Brief Analytical Comments In Q1 2015 Were Acting A

Brief Analytical Comments In Q1 2015 Were Acting A

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Brief analytical comments
In Q1 2015 were acting a total of seven health insurance companies in
the CR (managing general health insurance) that employed in total 5825
persons (FTE). Average number of employees in Q1 2014 was recorded in
the amount of 5 800 persons, which in comparison with the Q1 2014 was
less by 0,4 %.
The average monthly wage (calculated from wages excluding other
personnel expenses and from the above number of employed persons)
achieved CZK 31 053 and in comparison with Q1 2014 it was less by CZK
79 and decreased by 0,3%
Premiums written (claims - excluding payments for insured persons by
the state from the state budget) make up a substantial part of total
revenues of health insurance companies amounted in the reported period
to CZK 44,1 bn. and it was by 2,9 % higher compared to the
corresponding period of Q1 2014. The data are reported on the accrual
basis, which means that unpaid premium is included in accounts
receivable of the health insurance companies.
According to data from the Ministry of Health of the CR (MoH), on the
beginning 1Q 2014 the frequency of payments for the state insured
persons was changed (it was advance payment from the state budget in
compliance with the point 2, §12 of the Act No. 592/1992 Coll.) in the
amount of CZK 4800 million. Similar situation occurred in the
beginning of the previous year when in the 1st redistribution 2013 was
also included advance payment from the state budget CZK 4000 mill.
Since the 7 redistribution in 2014, the amount for the state insurance
persons increased from CZK 787 to CZK 845 per person/ per month.
From the above description, it is clear that in the Q1 2015 were
redistributed sources in the amount of CZK 60 538 m; compare to the
same period in 2014, when real revenue amounted to CZK 62 682 mil. the
available resources decreased by 3,42 % (information from the MoH from
the results of the 1st to the – 3rd reallocated of the public health
insurance premiums in 2014 and 2015 – available resource).
The real revenue of health insurance companies in the amount CZK 60
538 mill (i.e. collected health insurance including payments for the
state insured persons) and reduced by payment of advance achieved
57 882 in Q1 2015. In comparison 1Q 2014 it means increasing by 4.59 %
(information from the MoH from the results of the 1st to the – 3rd
reallocated of the public health insurance premiums in 2014 and 2015 –
available resource).
Of the total costs of health insurance companies in Q1 2015 (from the
corresponding funds of health insurance companies), health services
costs paid from the basic health insurance fund and the prevention
fund or possibly from the preventive care fund made up 93.6 % point.
These health services costs increased (in comparison with the same
period of the year 2014) by 3,5 % (see Table 3). Costs of in-patient
services made up a key proportion of health service costs (52,7,%);
they were also increased by 4,5 % - compared to the corresponding
period of 2014.
The balance sum of the health insurance companies (the total of assets
or liabilities) reached CZK 58,5 billion at the end of the Q1 2015 and
compared to the end of 2014, it increased by CZK 2,6 billion. Within
the assets - tangible fixed assets, land and intangible assets were
reduced by CZK 179 million and they were accounted in the amount CZK 4
842 million and receivables against health insurance increased in Q1
2015 in comparison with the Q1 2014 by CZK 329 million (from the
amount CZK 35 253 million to CZK 34 924 million). At the same time
funds recorded on accounts in financial institutions increased. Also liabilities
of health insurance companies - trade credits (incl. advances and
liabilities of health care providers) - increased from CZK 31 405
million to CZK 35 008 million), in the same period.