What insurance model did the INSS adapt?
Nicaragua drew from the Chilean model (which is also similar to the German health coverage plan). Key features include: no co-payments, full drug coverage, and a standard package of covered benefits, regardless of salary. e) Are dependents covered? Yes, spouse is covered (for maternity benefits) and children covered up to age 12. f) What are revenue sources of the plan? Formal sector workers contribute 6.25% of their salaries to the integral health regimen, and employers contribute 15%; government contributions account for approximately .25% although this is not always made. The plan covers retirement, health and professional risk. The real income for the health insurance branch is 8.25% (taken from the total of 21.5%) of which 6% is from the employer, 2.25% by the employee, and the theoretical 0.25% by the government. g) Are there any differences in their contracts with public vs. private providers? No differences. The INSS is moving towards ‘performance-based’ contracts that tie paym
