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Strategie Plans to Address Challenges
Limit the rangę of people whose care is fully funded by the State.
• Under the existing Legislative frame work, migrant workers can register one day and receive coverage the same day. These individuals may only be resident in theTCI for relatively short periods of time, and in the case of the domestic workers, and laborers, are only making minimal payments for coverage of themselves and their dependents. A two tier policy differentiating long term residents and short term residents with different benefit packages might be an option.
Cap or limit NHIP benefits.
• The NHIP regulations already outline which services are offered to its members on a limited basis or totally excluded. However, one of the greatest risks to the sustainability of the NHIP fund is the open ended and unlimited naturę of its treatment abroad policy. Medical treatment overseas is available to all members without a cap, deductible, or duration.
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