The concept of health insurance was proposed in 1694 to Hugh the Elder Chamberlen Peter Chamberlen family. In the late 19 th century, "accident insurance" began to be available to function as a modern disability. This payment model continued until the early 20 th century in some countries (eg, California), where all laws regulating health insurance actually referred to the disability.
Personal accident insurance offered in the U.S. of Franklin Healthcare Provision Company of Massachusetts. The company, founded in 1850, offers insurance against injuries arising from accidents and steam trains. Sixty organizations offering accident insurance in the United States since 1866, but the industry consolidated rapidly soon thereafter. Despite the fact that there was no previous experience, the origin of disease, coverage of the United States, beginning with the date 1890. The first working group under the auspices of policies on disability, was released in 1911.
Before the development of medical expense insurance, patients will pay all medical expenses of their own pockets, in what is known as the speed of service business model. In the mid to late 20 th century, traditional disability has become a modern health insurance program. To date, most comprehensive health insurance program to cover the cost of routine, preventive, primary care and emergency procedures, and most prescription drugs, but it is not always the case.
Medical expenses and hospital policies were introduced in the first half of the 20 th century. During 1920, hospitals began offering services to the population in paid for the development of Blue Cross organizations. The ancestors of today's health care organizations (HMOs) originated from the 1930 through 1929 and during the Second World War.
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