Writing Task 2:
A much debated
issue these days is whether citizens should take out private health
insurance or not.
The cost
of providing free medical care for both the wealthy and the poor is
far too great for any government,
and
most people agree that
if
you can pay for insurance, you should.
In this
essay, I will argue that
all who
can afford it should be insured,
but
free medical care must be made available for those too poor to
do so.
The most important
reason
for encouraging people to take out private health insurance
is
the cost to the government of health care.
Free health
cover for people who are able to pay for it is a waste of public money.
Of course, people will only pay health insurance premiums
if
they know that they are getting good value for their money.
If
they get sick, they should pay very little or nothing at all.
In addition,
the privately
insured are entitled to special benefits
such as
having
the choice
of their own doctors,
and
being
able to avoid long waiting lists for hospital beds.
On the other
hand,
those who really cannot afford to pay private insurance premiums,
which are often very high, are still entitled as citizens to the best
medical care available;
they cannot
be expected to pay their own medical bills.
However,
if
they are
working, they should still pay a percentage of their wage (say
1 to 2%) as a tax which pays towards the cost of providing "free" medical
services.
In conclusion,
most people
should privately insure their health,
but
it is unreasonable to suppose that all citizens can afford it.
Therefore,
a safety net in the form of a basic free health care system must
exist for the very poor and the unemployed.