<P> Insurance companies are not allowed to have co-payments, caps, or deductibles, or to deny coverage to any person applying for a policy, or to charge anything other than their nationally set and published standard premiums . Therefore, every person buying insurance will pay the same price as everyone else buying the same policy, and every person will get at least the minimum level of coverage . </P> <P> Since 1974, New Zealand has had a system of universal no - fault health insurance for personal injuries through the Accident Compensation Corporation (ACC). The ACC scheme covers most of the costs of related to treatment of injuries acquired in New Zealand (including overseas visitors) regardless of how the injury occurred, and also covers lost income (at 80 percent of the employee's pre-injury income) and costs related to long - term rehabilitation, such as home and vehicle modifications for those seriously injured . Funding from the scheme comes from a combination of levies on employers' payroll (for work injuries), levies on an employee's taxable income (for non-work injuries to salary earners), levies on vehicle licensing fees and petrol (for motor vehicle accidents), and funds from the general taxation pool (for non-work injuries to children, senior citizens, unemployed people, overseas visitors, etc .) </P> <P> Rwanda is one of a handful of low income countries that has implemented community - based health insurance schemes in order to reduce the financial barriers that prevent poor people from seeking and receiving needed health services . This scheme has helped reach 90% of the country's population with health care coverage . </P> <P> Healthcare in Switzerland is universal and is regulated by the Swiss Federal Law on Health Insurance . Health insurance is compulsory for all persons residing in Switzerland (within three months of taking up residence or being born in the country). It is therefore the same throughout the country and avoids double standards in healthcare . Insurers are required to offer this basic insurance to everyone, regardless of age or medical condition . They are not allowed to make a profit off this basic insurance, but can on supplemental plans . </P>

A definition of health policy includes which of the following elements