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Program Planning

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Introduction

For any company to achieve the operational objectives set during the beginning of every fiscal year, the employees must be in a position to disseminate their functions in the right physical, psychological and mental state. Employee productivity is dependent on how the company ensures that their workers are in the right health state to perform. From the survey conducted by the human resource department at the company , it is clear that implementation of a new wellness program is paramount in ensuring that the firm does not incur high costs in terms of medical insurance in the future. Besides, an employee wellness program is the most suitable method that can be implemented by company executives to ascertain that their workforce is healthier and happier. Therefore, I intend to develop, implement a suitable wellness program that will be beneficial to the workers and the company’s bottom line.

Program Planning

In the planning phase, my task is to design a plan of action. However, it is imperative that the top executive and the employers work closely and corporate in this phase to ensure that a suitable program is selected. The program design progress is a step-by-step process that involves data collection, evaluation and systemic preparation of the wellness program.

Health assessment

A clear and objective health assessment is important in obtaining data on specific health requirement of employees and will aid in designing of a program which is customized to their specific needs. The data obtained enables the wellness program director to formulate a viable strategy to mitigate against future health risks, hence reduce costs and improve productivity. An efficient tool of assessment should be employed, for accuracy of data.

Health assessment will be conducted by the use of a survey form in form of web-based and physical questionnaire. The privacy and confidentiality of the employees is an important ethical consideration in health assessment. CITATION CDC20 l 1033 (CDC, 2020) To eliminate fear of judgement and discrimination, confidentiality will be maintained while conducting the health assessment by excluding employees’ names in the survey forms. Outsourcing a survey coordinator and initiating privacy precautions for web-based surveys will ensure comfort of employees in relaying sensitive health information, which will improve the reliability of information provided. The surveys once filled, will be inserted into unmarked envelopes and submitted in drop boxes placed in different part of the organization premise.

Management support

Management support is significant to the success of a wellness program. Management is the link of the program director to the organization in terms of funding, and formulation and implementation of the relevant policies to ensure adoption of the program. The management is also responsible for ensuring the wellness program adheres to the business’ financial obligations. This is done by aligning the cost of the program to the profit margin and ensuring these costs don’t affect the profit creation of the business. It is crucial that the strategies suggested by the program be aligned to the business’ existing structure and future maneuvers.

Taking advantage of factors that influence managers’ support on suggested policies will be useful in getting them to support the program. Managers are crucial in building organizational cultures. Visible support and involvement in the wellness program would be highly significant in creating an organizational culture that supports employee wellness. (Parsey et al, 2018)The managers will therefore be informed of their crucial role in developing such an organizational culture through a series of meetings.

Since the program is geared towards general welfare of the employees, management support of the program implies consideration of employee welfare by management rather than profit maximization. This improves the perception of employees towards management and can in turn, increase employee morale and commitment. This is a useful tool in convincing the management to support the program. By aligning the firm’s mission and goals with the leadership methods of managers, I intend to convince the latter that the wellness program will effectively influence positive outcomes after it is fully implemented in the company.

Establishing an employee wellness committee

The employee wellness committee will be constituted once the needs of the employees have been understood. Additionally, the committee will be comprised of workers from different corporate levels and division such as human resource and information technology. The functions of the committee will be to assess different policies under the program and to evaluate their effectiveness. Additionally, the committee will help steer the program into success by taking part in policy creation based on frequent progress data presented to them for discussion. Besides, the wellness committee will be instrumental in creation of the vision, goals and mission statements of the program and will therefore drive the program objectively towards attainment of its set goals and objectives. Moreover, frequent and periodic assessment of progress will be discussed by the committee to evaluate the effectiveness of developed policies. The period in which each member will serve in the committee will be outlined and the criteria of appointment of committee officials clearly stated. Shuffling of members and officials will enable the committee exploit different perspectives.

Employee input

Employee input in the creation of a program determines employees’ engagement in the wellness program. The employees of the organization should get involved with the program, not only to avoid certain penalties or to receive rewards, but for their genuine improvement of health. (CDC, 2018) The success of any wellness program is highly dependent on the involvement of the employees in the creation process, since they are the intended users of the program.

The employees should be involved in step to step design and implementation of the program and this should happen under conscious effort by the program director and the management of the organization. The employees will be urged to volunteer into the wellness committee to ensure their needs are considered in the programs plans. Employees’ involvement in the program will be instrumental in the attainment of management support by the program. The program works better when employees are invested in it and therefore this is a convincing tool for management support.

The program ‘director will also seek employee input and participation in drafting an interest and needs survey and also reporting on the same. These interests will include sporting activities, various cardiovascular fitness exercises and other activities. The program will then incorporate these interests into the different routines that the wellness committee decides on, to encourage participation by employees. Thus, emphasis on employee needs will ensure that the program serves their interests fully will increase the number of workers willing to participate in the wellness program.

External support

To increase the effectiveness of a wellness program, external support in form of partnerships should be sort. These partners can be pharmaceutical, sporting or food and beverage companies These partnerships offer support towards the programs course by provision of funding and also expertise in different areas of the program’s policy inclination. (Wipfli, 2018). Funding from external sources eases the financial burden placed on the organization and therefore provides the program with the required money to meet the proposed budget with little or no hurdles. This ensures that the program created is the intended one and is therefore highly effective.

Partners can also provide expert advice to the program coordinators, which helps in tailoring the program into an effective one and can also hold educative seminars where experts interact with employees and pass on valuable knowledge. These partners mostly offer input during the implementation phase but this is not always the case. The wellness program director will seek to partner with different external organization, including the state to to create more awareness of healthy living and mental health. The program will also include commercial banks and insurance companies in creation of wellness systems that are geared towards financial wellbeing of employees and rewards for goals achievement.

Development of goals and objectives

The primary goal and objective for the development of the wellness program by the organization is improve the health of its employees hence improving their productivity, and to reduce the cost of health insurance coverage. The program however has many additional benefits that should be included in its vision statement. Therefore, thorough assessment of these benefits and their development into goals and objectives of the program is key to the success of the program.

These goals and objectives should be long-term and should be achievable. They should be clearly stated to enable ease of interpretation, evaluation and commitment. After receiving the health assessment report, the committee will discuss the results and brainstorm milestones to be achieved by the program. In general, the policies of the program will be directed towards health optimization and cost reduction.

Since most of the diseases highlighted in the report are as a result of lifestyle choices, one goal of the program will be to change poor lifestyle habits of the employees such as smoking. The program will set a time limit within which it will target to reduce the number of smokers in the employee population by a significant percentage. Given the existing number of health related absenteeism, the program will seek to cut down on that figure by a specific future date.Through its fitness and dietary programs, the program will make it a mission to reduce the number of obese or overweight employees by a specified year. Since cost cutting is part of the primary goals of the program, the organization’s yearly expenditure will also be reduced by a certain percentage within a specified amount of time. These goals and objectives will determine the proclivity of the program and ensure the program remains committed to its purpose.

Wellness program budget

The wellness program budget is determined by what the employer is offering the employees through the wellness program. In other words, the budget will be constituted according to what the company is willing to invest in the wellness initiative. These include the incentives given to members, the cost of rewards, the infrastructural modification that the program initiates, the cost of various awareness campaigns which includes cost of merchandise, online resources, program incentive costs, fitness trackers, committee members’ compensation and cost of outsourcing services. Most importantly, coming up with a suitable budget permits the committee to deliberate on the most suitable wellness program available.

The program director is tasked with ensuring the program is financially feasible and manageable. The program budget should be aligned to other financial responsibilities of the organization to be effective. The program director will seek partnerships to increase the program budget thereby implementing the program plans with ease. Funding by these partners will provide the program with the tools necessary to achieve its objectives.

The program will also seek to cut its budgetary expenditure through various methods. Reducing the budget without compromising the quality of the program will be key to attaining a cost friendly but highly effective program. This can be done conducting a survey to determine whether the employees are willing to pay for some of the services in the program. The program can also research for free community wellness events that it can participate in.

Wellness program components

The wellness program will offer general health benefits in three forms; frequent screening activities, preventive methods and health promotion methods.

i) Frequent screening

The program will conduct frequent screening of employees’ health conditions. This includes both biometrical screening of medical information, such as, blood pressure, sugar levels, lipid levels, weight and height, and lifestyle surveys such as smoking habits, dietary information and exercise frequency. This information will then be used to tackle these complications. Most importantly, workers are guaranteed that their private data collected from the screening process will be protected.

ii) Preventive methods.

This method involves management of negative conditions present among the employee population. This includes lifestyle adjustments and diseases control. Employees are then urged to make positive changes towards attainment of a healthy lifestyle. These tools of wellness creation will involve educative seminars that promote awareness of health risks such as smoking cessation seminars. It will also be done through forums and campaigns that promote adoption of healthy eating habits. The program will also offer counseling services to employees (Mattke, 2013)

iii) Health promotion methods.

This involves measures taken by the program to boost the fitness levels of the employees. This includes building an on-site fitness center and hiring a personal trainer. The fitness center being on the premise will encourage enrollment. The program will also launch different sporting activities and encourage participation by hosting frequent organizational games with cash prizes and other rewards to be won. It will also introduce healthy food and snacks in the cafeteria and snacks vending machines.

Wellness program incentives

Wellness programs should make it easy for employees to report progress and should in turn offer incentives to motivate them to stay committed. Wellness incentives contribute significantly to the cost of the wellness program. They are however a very important way of increasing the effectiveness of a program. The program will therefore provide a range of incentives depending on the budget and the magnitude of the milestone achieved.

To get employees started, the program will provide employees with low cost incentives such as exercise clothes, pedometer, water bottles, elastic bands, low cost exercise equipment such as racquets and yoga mats. These incentives are cost less than $100 and will not inflate the cost of the program. For achievement of bigger milestones such as cessation of smoking habits, reductions of weight or cessation of gambling habits, the program will offer much more expensive incentives such as trips to tourist destinations, cash prizes, electronic rewards, family welfare programs such as tuition payment and home exercise equipment. These incentives cost more than $100 and will be a huge source of motivation.

Communication of wellness plan to employees

Communication of the wellness plan to the employees is when marketing of the wellness plan is done to the employees. This should be done in such a way that in encourage employees to take part in it and makes them want to lead a healthy lifestyle. The program director will ensure that the methods used to communicate the wellness plan are cost friendly and highly effective (Hart, Paetow & Zarzar, 2019). The plan will be communicated to the employees through sending them newsletters through emails with brief and clear information about the plan.

The coordinators of the program will also print flyers with information about the wellness plan and place them in strategic points in the organization premise. The flyers could be about a competitive race, walking races or cook-offs. In written material of the wellness plan, a hypothetical example will be used to bring out an image of the plans applicability in real life. This will attract employees to the plan. The committee will also host a brief impromptu meeting with the employees where a representative will introduce the wellness plan and the employees will get a chance to inquire about it.

Program Implementation

After outlining the vision of the wellness program to the relevant executives and employees at the company, establishing timelines for implementation requires focusing on both the long term and short term objectives for the program.

How, when, starting date

The plans will take effect one week after being given a heads up by the top executives and all other relevant stakeholders. The first action would be to offer healthy food products and drinks at all staff meetings. In other words, offering healthy options during such meetings is a vital step in ensuring that healthy eating behaviors are championed within the workspace. The healthy food program initiative is anticipated to be for a short term between 14th July 2020 and 13th July 2021. During this period, morning hour meetings that occur between 9- 11 am will have water that has been flavored with fresh cucumber and citrus pieces, which will be more appealing to workers as compared to unflavored water (Johnston, 2019). Moreover, breakfast meals will consist of fresh fruits such as oranges, apples and bananas. Apart from being healthy, serving fruits during morning meetings is also very budget friendly. For those who prefer yogurt, it will be low fat with numerous topping alternatives like fruits or sliced nuts.

The snacks offered at the company cafeteria will mostly consist of whole-grain crackers with peanut butter fillings that increase the fiber content in the meal. For lunch, the company could make use of locally available restaurants that provide options for low-calorie meals. For dessert, fresh fruits such as cherries and berries will be provided in place of conventional desserts to provide healthier options (Johnston, 2019).

Which Chronic diseases will be targeted?

This particular wellness program will target obesity and hypertension because the intervention is focused on implementing best practices that promote the welfare of the participating individuals.

Tell us about each one those diseases, why you choose them, and their cost (direct and indirect) to society 

Research indicates that workers dealing with obesity tend not showing up at work majority of the time. In such scenarios, the company runs the risk of losing out on the productivity of its employees, particularly because majority of workers in the firm are dealing with obesity more than any other chronic condition. Besides, obesity affects the ability of an employee to offer their best during working hours. For instance, obese workers have a higher probability of suffering from high blood pressure, back issues and sleep apnea. Thus, the company will suffer significant loss in productivity if their obese employees experience such conditions. Moreover, obese individuals have a high probability of sustaining injuries at work, which leads to limited productivity and heightened treatment costs.

Hypertension has also been targeted in the wellness program because the condition is mostly caused by lifestyle choices such as tobacco use and consumption of fast foods which are high in cholesterol. Moreover, the condition results from social and environmental determinants. Thus, hypertension increases the stress blood vessels by increasingly raising pressure.

The wellness program is designed to make the most of preventive measures and efficient management of the condition through providing team-based care and implementation of strategies efficient at managing the blood pressure of employees.

. What kind of activities you’ll develop to address those diseases.

Obesity will be tackled through conducting frequent counseling sessions with obese employees or individuals at risk of suffering from weight issues. The discussions will be centered around providing guidance on the best exercise routines and encouraging healthier eating habits, particularly at home (Mazur & Mazur-Małek, 2017). The healthy meals that will be provided by the company will be at a subsidized price in a bid to encourage workers to be more conscious of what they eat. Besides, any individual who works more than 40 hours every week on an office desk will be encouraged to participate in physical exercises in order to reduce chances of becoming obese, particularly for young employees (Richardsen, 2017). Additionally, company employees will be encouraged to participate in 15 minutes walking sessions every Monday, Wednesday and Friday after lunch to encourage workers who need to be motivated. Most importantly, rewards in terms of free fitness training and cash prices for individuals who realize their fitness goals will be provided to encourage more employees to participate. Besides, contests between various departments within the company can be arranged in order to determine which one has realized their objectives (Richardsen, 2017). However, of importance is ensuring that the expectations set during this phase can be achieved by the workers in accordance to their level of physical fitness.

The wellness initiatives aims at preventing and managing hypertension in the company will include promoting healthier eating habits within the workplace setting to encourage lifestyle changes. Through partnering with local fitness centers and nutrition clinics, the firm will ensure that their employees get to access such services at a discounted rate to ensure that the health of the employees is prioritized (Richardsen, 2017). Such initiatives guarantee that emphasis is placed on nutritional and physical activity to manage hypertension and obesity. Most importantly, partnerships with health care facilities ensure that employees get to be frequently screened to evaluate the chances of workers being affected by the two chronic conditions. All these initiatives will be tailored according to the needs of the workers to ensure that they are efficient regardless of the ethnicity, age, gender and socio-economic status of the employees (De La Torre & Goetzel, 2016). Besides, the simplicity of the program makes it easy for me to explain to everyone so that no one is left out.

Write short health education lesson plans. What time of the day you’ll be offering them to the employees? Would you use health education videos? Would you invite expert speakers? Would you offer the classes? 

Health education is imperative as it ensures that the wellness program is effective in influencing positive outcomes. Tuesday and Thursday afternoon after lunch will be reserved for promoting health education in the company. Moreover, the health information will be presented through the use of slides and projectors in the conference room. By using videos, employees can be guided on the step to step actions that must be applied daily to ensure that employees get to comprehend the importance of maintaining healthier lifestyles through recommending physical exercises and nutritious diet. Experts on matters diet, nutrition and exercise will be invited regularly to provide insights and analysis of the various health issues affecting employees. Moreover, the experts would provide a continuous assessment regarding the efficacy of the wellness initiative and provide valuable advice regarding how the company can enhance capacity, what it should prioritize and provide a correct assessment of the specific needs of the workers in the firm (De La Torre & Goetzel, 2016). I would offer the health classes because it enhances the knowledge and skills of workers regarding health issues affecting them. The curriculum used will include the use materials in locations that participating workers deem convenient.

Cost of those activities.

This comprehensive wellness program must be implemented for the company to realize a positive return on investment. Moreover, the wellness program will incorporate incentives, continuous health risk assessment and behavior change initiatives. Thus, the wellness program will cost $ 70 per employee every year.

3. Program Evaluation

a. Utilization by employees 

Worker involvement is assessed from the initial point where are made aware of the program to the actual involvement in the initiative. To measure how employees have made use of the program, an assessment on the completion rates for physical exercises, health training initiatives, heath care evaluation and other everyday office functions (De La Torre & Goetzel, 2016).

b. Positive feedback from employees 

Employees will be handed with sample survey questionnaires for an evaluation of the performance of the wellness program and their level of satisfaction (Hart, Paetow & Zarzar, 2019). The questions will center on the level of fulfillment with the services offered, convenience of the program, the efficacy of the initiative and the positive experiences. Feedback is essential in determining how the wellness program can be enhanced in order to further promote healthier behaviors among workers.

c. Reduction of overall health insurance costs 

To assess if the program has managed to reduce the cost of health insurance, an evaluation of factors like heath care claims. Most importantly, top company executives will be able to predict financial savings on time through evaluating leading indicators such as commitment, medical observance and attainment of particular clinical targets (De La Torre & Goetzel, 2016).

The wellness program works efficiently to improve the health outcomes and well-being of the employees in office settings. As a result, the company will save a lot of money that would have been diverted in settling medical bills incurred by employees.

d. Overall improvement in employee satisfaction 

The wellness program evaluation process will assess the connection that exists between the program and their overall satisfaction with the initiative instituted by the company.

e. Requests for additional programs 

Any requests for additional health programs by employees will underscore the efficacy of the program in promoting the welfare and overall well-being of the employees at work.

g. Reduction in sick days and absentees 

Reduction in absenteeism will indicate that the wellness program has been effective in enhancing employee morale, thus enhancing their productivity and overall job satisfaction.

Employee’s likelihood to recommend the program 

The possibility of a worker to recommend the wellness program will stem from the benefits realized from participating in the initiative from its onset to the end of the evaluation process.

References

CDC. (2018, August 24). CDC Workplace Health Resource Center. Retrieved from CDC.gov: https://www.cdc.gov/workplacehealthpromotion/initiatives/resource-center/case-studies/engage-employees-health-wellness.html

CDC. (2020, January 22). Workplace Health Promotion. Retrieved from CDC.gov: https://www.cdc.gov/workplacehealthpromotion/tools-resources/workplace-health/assessment-tools.html

De La Torre, H., & Goetzel, R. (2016). How to design a corporate wellness plan that works. Harvard Business Review.

Hart, D., Paetow, G., & Zarzar, R. (2019). Does implementation of a corporate wellness initiative improve burnout?. Western Journal of Emergency Medicine, 20(1), 138.

Johnston, C. (2019). Retrospective Evaluation of a Dietitian-led Corporate Wellness Program.

Mattke, S., Liu, H., Caloyeras, J.P., Huang, C.Y., Busum, K.R. et al. (2013). Workplace Wellness Programs Study. Santa Monica, CA: RAND Corporation.

Mazur, B., & Mazur-Małek, M. (2017). Towards Corporate Wellness: Health Culture and Wellness Programs. Journal of Intercultural Management, 9(3), 45-61.

Passey, D., Hammerback, K.,Brown, M.C., Harris, J.R. (2018). Managers’ Support for Employee Wellness Programs: An Integrative Review. American journal of health promotion, 3-4.

Richardsen, A. M. (2017). Corporate wellness programs: do they increase employee well-being?. In Research Handbook on Work and Well-Being. Edward Elgar Publishing.

Wipfli, H., Zacharias, K.D., (Nivvy) Hundal, N. et al.(2018). Workplace wellness programming in low-and middle-income countries: a qualitative study of corporate key informants in Mexico and India. Globalization and Health .

WHO. (2018, February 5). WHO Ageing and health. Retrieved from World Health Organisation : https://www.who.int/news-room/fact-sheets/detail/ageing-and-health

Program Evaluation Daman Health Insurance Company

Program Evaluation: Daman Health Insurance Company

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PROGRAM EVALUATION OF THE NATIONAL HEALTH INSURER OF THE UNITED ARAB EMIRATES, DAMAN

Table of Contents

Abstract:…………………………………………………………………… 4Keywords:………………………………………………………………… 5

Introduction:……………………………………………………………… 6

Purpose of the report: ……………………………… ……………………..8

Overall evaluation…………………………………………………………..9

Methodology……………………………………………………………….11

Hypothesis…………………………………………………………12

Program design and theory………………………………………13

Discussion…………………………………………………………14

Design goals………………………………………………………………16

Conclusion and recommendation………………………………………….16

References…………………………………………………………………..18

Appendices…………………………………………………………………19

Abstract

Program evaluation will help comprehend and increase the use and benefit of a product to consumers or clients. It will reduce costs and improve service delivery mechanisms. In addition, it will facilitate management to conceptualize what the organization objectives are, how to fulfill the goals and the techniques to apply in determining if goals have been fulfilled or not. The aim of evaluation is to determine the quality of services offered by scrutinizing what works and what doesn’t and from this assessment decide what to perpetuate doing and what to change. The objective of performing a project evaluation on the National health insurance of the emirates is to outline the advantages of health insurance cards as well as determine the individuals’ points of view towards this insurance company.

Health cards entitle Emiratis to subsidized medical care and treatment in any public, government governed health insurance company.in UAE, employers and visitors who will prologue their stay to more than two weeks need to be ascertained a residency status. With a residency status come health standards and regulation such as banning anyone with Aids, TB or hepatitis from residing in the UAE. Failure to embrace the recommendation results to deportation or and detention. Health cards are applied for by submitting paperwork to hospitals or filling application forms available in the ministry of health. On submission, one must have the receipts of payment, two passport photos and a completed medical test for. All the details have to be filled in Arabic.it is important for every individual to have a health card.

The program evaluation methodology used in my research was process and summative evaluation. Process evaluation is conducted to identify areas in the existing program in my case Daman health insurance. Summative individual Evaluation is an evaluation conducted by an individual or a team with no substantial connections with the evaluand, its designers, or its implementers and without any participation and without any participation in the evaluation process of organizational or program staff. I collected my data from relevant internet sites, questionnaires and interviews both online and face to face. I collected my data via audio recording, reading and note taking and stored it in recorded and note form.

KEYWORDS

Evaluand –Is the element evaluation for example a company program, policy, project, service or the organization itself. An evaluee is the personnel working under the evaluand being evaluated.

Client –a person commissioned and paying for evaluation services. This term is also used to refer to patients or customers.

Insurance – This is a promise, which is made by one party especially companies to their employees, for compensation regarding future losses and unexpected multiple realities but at a certain amount of money.

Insured- This defines the person, group, or property for which an insurance policy is has been issued to.

Cover- This term is used to refer to the type of insurance an individual applies for. There are different covers, which can be chosen depending on an individual’s financial capabilities.

The emiratization approach was initially initiated to uphold the Emirati identity especially in the workforce. It merely relies on the United Arab Emirates’ nationals who are willing to work or have the desire to work.

Emirati- is an individual possessing an Arab ethnic background particularly those Arabs originating from the United Arab Emirates.

Introduction

Daman is the national health insurance company of the United Arab Emirates, which is located in Abu Dhabi, Dubai. The corporation was established in September 26, 2005. It did not commence immediately until May 2006. The company boasts of a staff base of over approximately 1000 workers. It offers a wide range of health insurance policies and benefits amid wide geographical coverage. The company has become United Arab Emirates’ first specialized National Health Insurance Company. The section will provide of the benefits and convenience of the insurance card initiatives and its advantages to the stakeholders.

A health insurance has many benefits to an individual. It entails payment of a certain amount of money to a plan chosen. Each plan is different from the other in terms of the broad medical options entailed. An insurance premium includes the group insurance plan and an individualized insurance plan. The group insurance plan through an individual’s employment company normally offers the best coverage for the money. Individual health insurance plans offer alternatives for persons who do not have right to use to their employment corporation’s group plan (Frost, 2010).

An insurance card initiative aims at protecting the client from financial constraints especially in cases where one requires urgent medical attention. The extent, at which the patient stays in the hospital together with the hospital bills, accumulate altogether thereby giving one a hard time especially when it comes to payment using cash. A health insurance card is vital because it covers the essential medical invoices that have accumulated. In so doing, it gives you the satisfaction required without worries at all.

When it comes to medical care, a health insurance offers one the comprehensive cover. In most cases when an individual goes for a health appointment, majority of the health providers and consultant doctors require full payment of their services. If one does not have an insurance cover, paying for such services at times becomes difficult. With an insurance cover, you can have unlimited access to the doctor in case of health problems and without any money being paid up front.

In most cases, acquiring medicines may be difficult if the financial implications are considered. A majority of new drugs that have no imitation tend to be quite expensive. The advantage of having a health insurance is that they contain a free drug prescription policy, which lower the amount of money ought to be paid while purchasing such drugs. People without medical insurance have to pay the full amount of money in order to purchase the drugs while people with medical cover paid a small amount or in some cases, they do not pay anything.

One of the major roles Daman played as a leader in the MENA area is the enhancement of the level of quality of health care services rendered. Women who are under the Daman health insurance scheme enjoy a great deal from the company’s services. Daman as the national health insurer has ensured that all babies whose parents are under the Daman medical cover policy enjoy the unlimited services being offered (“UAE Interact”, 2011). The only requirement is the enrollment of the newborn baby into the mother’s insurance scheme. This move is to ensure the babies acquire the best medical care facilities just like the parents.

Daman has become the first of its kind to offer a large specialized and comprehensive health insurance policy to the nation’s visitors (“UAE Interact”, 2008). It has issued about twelve thousand visitor plans since late July 2008. This was after a law allowing it being initiated in line with the Ministerial Decision No. 322/2008. This decision affects all participants who are planning to apply for a visit to the United Arab Emirates (“UAE Interact”, 2008). An insured member is entitled to share a room in case of an inpatient emergency treatment, which is completely covered. Since date, the company has grown to have the highest market share of above 85% in Abu Dhabi (“UAE Interact”, 2008).

The study also aimed to determine the consumer satisfaction through interviews and questionnaires. Health insurance card initiatives have been beneficial to the majority of the population all over the world. These programs help the local and non-local people in the United Arab Emirates. This section will also deal with a synopsis of the health insurance card initiative in United Arab Emirates and the various policies and process undertaken by the Government.

Purpose of the report

In previous years, the purpose of program evaluation was solely to show whether a program was effective or not but today, program evaluating measures effectiveness as well as ensure perpetual quality improvements. The main aim and purpose of this study is to identify the useful, advantages of health insurance card; in other words, determine the individuals’ points of view towards this insurance company. According to the previous information, we hope to provide people with reliable information from the experiences of life and then introduce data that can be considered as beneficial one to others. This research paper will find out whether this health insurance card meets its objectives and goals or not. This report samples the evidence I collected my research. The evidence I collected indicates the impact of Daman health insurance cards to stakeholders, sponsors, clients, volunteers, employees and community at large. This information will be useful in determining what works and what needs to be changed or replaced; health needs of Emiratis and forecast the worth of health insurance. This report will also help compare different health insurance companies in UAE, highlight my study hypothesis and the outcomes and show the cost benefits of the research.

Overall Evaluation

The overall evaluation of the paper will be based on the actual mission and vision of the DAMAN Company. Damans visions, values, mission and goals are:

Goal:

Daman aims at being a leading health insurer in the MENA region by helping Health Care Providers achieve high quality standards of medical services delivered to patients (Agamy, 2009)

Vision:

Daman Insured Members have a free and easy access to a comprehensive Network of Healthcare Providers, which offer high quality of medical services at reasonable cost.

Provision of a long term necessity of medical insurance coverage to its citizens, protect its financial sector by attracting the best regional professionals in the insurance business and incorporate the best customer service in the region as well (Agamy, 2009).

Mission:

Building-up a professional Network Team that is capable of developing and maintaining an integrated network of public and private healthcare providers at a reasonable cost and providing continuous support to improve the quality of medical services by implementing appropriate management techniques (Agamy, 2009).

Values:

-High performance to meet customer satisfaction and professional friendly behaviors that ensure targets are reached on time

-Perpetual innovation and creativity reinforced by the ability to take risks

-Emphasis on consumer wants and concerns in a professional way.

-Contributing to societal health by being an example to other companies through adhering to work ethics and integrity.

-Being honest reliable and confident in relaying integral services to the public. There is good will in Daman.

The outcomes of the results indicated Daman health insurance company should needs to adjust some of its operation.as much as the information is relevant and informative to the company, implementing the required changes requires perpetual monitoring of improvements requires.in addition, the changes are expensive to manipulate and are unique to Daman insurance hence may not be compatible to other health insurance company’s.

Methodology

The section will list the method to be followed in the course of the paper to evaluate this program. The data collection techniques used were interviewing, questionnaires both open and closed ended as well as secondary information sources like the internet, newsletters periodicals and journals. The program evaluation methodology I adapted was process evaluation. From this technique I was able to track quality, number and nature of population the program supports, a description of how the services are offered, quality of services provided and implementation evaluation. I attained information to perform my process evaluation from secondary sources like websites and book. I also applied summative evaluation. Summative evaluation evaluates programs that are underway or completed. Daman health insurance was established in September 23rd 2005 and commenced operations in May 2006 and has operated since then rendering it a complete program.

The tools I used in summative evaluating are changes in attitudes, knowledge and behavior, number of people served, cost efficiency and of the program, changes in policies and impact assessments.in order to measure the changes in attitude, I had to conduct interviews at intervals for the purpose of comparison. I collected both qualitative and quantitative data via audio recording, reading and note taking and stored it in recorded and note form.it is important to choose evaluation that will encourage voluntary participation, use multiple approaches, address real community issues, utilize a participatory process as much as possible and allow for flexibility.

The relevant stakeholders included Daman clients from whom I gained information regarding consumer satisfaction, my sponsors who funded my research, and fellow colleagues undertaking similar project with which we shared interest. Persons interested in the program were I and my doctor who issued the assignment to me. Stakeholders are vital to program evaluation as the evaluating cannot be done in seclusion. The evaluation information I gathered was important in stressing the importance of health insurance to individuals. The information will also inform the potential clients on the services offered by domain as well as offer employment opportunities to job seekers.

Based on the finances I use to travel to the Daman headquarters to seek audience with the Chief Executive Officer as well as the clients thus the research was very costly. In addition, I encountered unresponsive respondents, which was a major setback due to the limited time. I also experienced dramatic weather changes that affected my health negatively. I also felt that the research was involving and the time stipulated was little. However, my research was a success because I managed to accomplish my purpose for the study.

HYPOTHESIS

The purpose of evaluating Daman health insurance was to:

To collect evidence on the effectiveness of a Daman health insurance

To be accountable to my and Daman’s stakeholders, sponsors, clients and community.

To identify ways to improve a program:

Determining services that are good, those that need to be eradicated or replaced assessing the needs of Emiratis and Daman members

To sensitize Emiratis on importance of health cards.

To compare Daman with other health insurance companies.

To assess the profitability and income analysis of Daman.

To check the accuracy of my research hypothesis

PROGRAM DESIGN AND THEORY

The research design was longitudinal as opposed to cross sectional because I obtained the information at different locations and at different times. My appointment with Daman’s Chief Executive Officer was on a different day from the day I conducted the customer’s online interview. All this was done within the stipulated time allocated for the project. There was a day I interviewed Daman clients face to face, a visit to their offices and a different day to conduct the online interviews and a different day to read press news about the organization and a separate day to read the periodic Daman newsletters

Discussion

Based on the data I collected Daman health insurance is currently the largest UAE health insurance Daman has a clientele base of about 2,240,000 persons and increase from 253,000 in 2006(Rohte, 2012). The program targets to provide insurance covers to persons of all ages and genders. Some of the company’s services are specific but not limited. Quantity of services offered is high. There are covers for newborns, young adults and expectant mothers.in addition, all visitors of Dubai residing there for more than two months are supposed to get a health insurance. Services offered include medical covers, billings, funds and benefits. The shares of Daman are 80% Abu Dhabi government and 20% MunichRe (Rohte, 2012).

How services are provided

Forms of compensation or claims can be filled via the internet or dropped in any of Daman branches countrywide. There are 35 branches and service points across the UAE. The Daman staff is highly qualified and with many years of experience. There are 430 claims processors at Daman. Daman is in partnership with MunichRe, Assist America and Europe Assist (Rohte, 2012).

Numbers

On average, 1,600,000 Daman insurance members process claims at Daman every month. There are 430 staff with specialty in claim processing (Rohte, 2012).In case of inquiries the company operates a twenty-four hour, seven days a week customer care service. About 40, 000 calls are received in the contact center each month (Rohte, 2012). Daman customer care services offer consultation, guidance and counseling as well as listen and address customer problems. To acquire a medical cover, individuals visit any of the branch offices and fill in the details required. Those in need of health cards must have the receipt of payment, passports and a medical form bearing test results from a credited hospital or doctor. Over 190,000 membership cards are printed every month (Rohte, 2012). The health card is easy to apply and it only takes a few days if not weeks to be processed.

Quality of services

Based on my interviews with Daman insurance clients, the quality of service offered there is above average (Rohte, 2012)

Changes in attitudes, awareness or deeds;

Emiratis attitudes towards insuring their health has improved over the years. More and more people are number of persons applying for health insurance within the institutions have progressed from recent years.my results also indicate that the population is more aware of the health insurance and its benefit(Rohte, 2012).

Number of people served;

About 68,000 customer’s visit Daman branches every month whereas 156,000 members are enrolled every month in Daman retail and corporate branches (Rohte, 2012).

Cost-benefit analysis;

In the year 2011, Daman insurance company had a net profit of 4% (Rohte, 2012)

Cost-effectiveness analysis;

Ninety nine percent of interviewed customer of Daman was content with the amount fee charged to support services like medical text or getting a health card. On average, the clients were content with the premium charges in the year 2011.

Achievements

Daman received the Corporate Social Responsibility Award by the insurance industry four times since (2008-2011) and also chosen as the Health Insurer of the Year five times by the insurance industry from 2007-2012.

Currently, Higher Colleges of Technology (HCT) is joining with Daman the national health insurer to embark on a project to establish a new institute of health economics by name Daman Institute for Health Economics(‘HCT Partners with Daman to develop new cadre of health insurance professionals,2012)

Based on my research statistics, the company needs to improve on the relationship management of its 360 degree policy, underwriting guidelines, service schemes and pricing, inflation in the medical forecast, value added services, stock and bond optimization, provider management, rate debates, medical charges and preventing fraud (Rohte, 2012).

DESIGN GOALS

At the end of my research, I had managed to gather all necessary information I hoped to acquire. I fully utilized all equipment’s for example a voice recorder rendered to me. I was able to skillfully spend the finances set aside for the research and completed my research on time.

Conclusion and recommendation

My research was successful. I was able to assemble the outcomes, which would encourage non-members of Daman health insurance Company to join and impart the existing customers with knowledge regarding the services rendered by the company .I was also able to offer information about the company’s readiness to form partnership with willing parties that have concrete and worthwhile proposals.

In the process of my research, I encountered several setbacks including unresponsive participation, cost implications, adverse language barriers, which required one to have a translator and the harsh reception received from various departments within the company.

In my own opinion, I would highly recommend citizens to acquire health cover with Daman as it is ranked the United Arab Emirates chief health insurer and in addition the company is service oriented as opposed to other profit-oriented private insurance companies.

To ensure an effective evaluation, one must capitalize in planning, sum up materials analysis with summative pretest adequately use fellow students and volunteers and internal resources.

REFERENCES

‘Daman Asset Management Funds continue to outperform benchmarks’ (2010) Retrieved November 21, 2012, from http://www.ameinfo.com/news/Company_News/D/Daman_Asset_Management/Daman (n.d.). Retrieved November 21, 2012, from http://www.damanhealth.aeDaman (n.d.). Retrieved November 21, 2012, from http://www.damanhealth.ae/eDamanApp/en/home/index.html?version=R110.12.12‘HCT Partners with Daman to develop new cadre of health insurance professionals’ (2012). Retrieved November 21, 2012, from http://www.ameinfo.com/hct-partners-daman-develop-cadre-health-316607Agamy, M. E. (2009). Daman Evaluation Standards- Initiative to Give Quality Health Care. Retrieved November 24, 2012, from http://www.google.co.ke/url?sa=t&rct=j&q=&esrc=s&source=web&cd=1&cad=rja&ved=0CDEQFjAA&url=http%3A%2F%2Fwww.damanhealth.ae%2FeDamanApp%2Fen%2FPDF%2FEventsCampaigns%2FRegionalConference_Ezzat.pdf&ei=AS2xULb7GIinrAfVo4DACw&usg=AFQjCNFNMbxO9uqB9eflSffgzf3jyAFt3QFrost, S. (2010). Importance of Health Care Insurance. Retrieved November 24, 2012, from http://www.livestrong.com/article/127278-importance-health-care-insurance/UAE Interact. (2008). DNRD unveils the new ‘Traveller Health Insurance Policy’ for visitors to the UAE. Retrieved November 24, 2012, from http://www.uaeinteract.com/docs/DNRD_unveils_the_new_Traveller_Health_Insurance_Policy_for_visitors_to_the_UAE/31537.htmUAE Interact. (2011). Newborns are now automatically covered under Daman’s Enhanced Plans. Retrieved November 24, 2012, from http://www.uaeinteract.com/

Rohte. S. (2012)6th Middle East Healthcare: Insurance Conference Dubai. Retrieved November 24,2012 from http://www.google.co.ke/url?sa=t&rct=j&q=&esrc=s&source=web&cd=4&cad=rja&ved=0CEQQFjAD&url=http%3A%2F%2Fwww.damanhealth.ae%2FeDamanApp%2Fen%2FPDF%2FWhitepaper%2F121007_Daman_Success_Factors.pdf&ei=TqexUIOfL62b1AW624DwCA&usg=AFQjCNGtj4AnOHjcDElwdv8zZFJM8wn_HgAPPENDICES

1. PROFIT CHARACTERISTICS

27717753581402466975358140172402535814019431003581401200150358140030023001840

103822521082053340021082002000

280

442912541402042100504140203638550393700326707539370280180

NRP Loading insurance claimsOPEX profit

premiums

• NRP raised by 1% to 20 AED resulting to 11% profit

• admin loading increased by 1% to 3 AED resulting to (2%) profit • OPEX decreased 1% to 2.8 AED triggering a (2%) profit

• claims lowered by 1% to 18.4 AED initiating a 10% profit

2. EXPERIENCE

Number Experience

68,000 clients who stopover Daman branches every month

35 outlets and service centers clients can seek services across the UAE

298 staff attending to clients in Daman branches and corporate offices

156,000 Average number of members registered every month in Daman retail and corporate outlets

1,600,000 claims administered by Daman every month

430 claims processing employees working at Daman

5,100,000 AED average sum of individual re-imbursements unconfined each month

81,000 Requests of sanction approvals acknowledged each month

190,000 Number of membership cards processed each month

40,000 Number of calls per month received by the daman contact center

98 % Rate of customer problems and concerns resolved with the first call.

4 Total times Daman was honored with the Corporate Social Responsibility Award by the insurance industry. From 2008-2011

5 Number of times Daman was elected by the insurance industry as the ‘Health Insurer of the Year’. From. From 2007- 2012

3. SERVICES OFFERED

NATURE EXPLANATION/TYPE

Billing A billing rule defines the minimum requirements to make a claim for a Daman beneficiary in terms of regularity and duration Billing rules exist for Long Term Care, General Ophthalmological Services, Injections, Infusions and Hydrations, Nebulization, Obstetrical Ultrasounds, Cardiac Catheterization and Coronary Angiography, Vaccination Administration and Wound Care Management.

Medical coverage Coverage of treatment of Common Cold, treatment and prevention of Flu, Vitiligo & Other Dyschromias, Strabismus Surgery, Strabismus Surgery, Hemodialysis, LASIK, Obesity & Morbid Obesity, Allergy Tests & Desensitization, Acne, Alopecia, Nocturnal Enuresis, polycystic Ovarian Disease, Antenatal Care & Screening, Daycare Procedures, Keratoconus, Echocardiography, Septoplasty

Pharmaceutical coverage Coverage in Neurobion, Growth Hormone, Montelukast, Statins, Clopidogrel, Proton Pump Inhibitors and Anti-Tumor Necrosis Factor Alpha.

Products Coverage of Hepatitis B and C, breast Reconstruction Post-Mastectomy, Dental Coverage of Orthodontic, General Examination, Orthodontic Specific Examination, Dental Examination and Dental Radiographs,

4.INTERVIEW QUESTIONNARE

1.Rate the services of daman insurance company

[poor][ good][ very good][ average] [ above average][Excellent].

2. Since the first time you experienced daman, has your knowledge on the services they offer intensified?

[yes][no]

3. Ask to make changes on the current services offered, what would you change?

4. Would you refer other persons to daman or other insurance companies?

5. What is your general view on the premium rates of daman?

6. Do you own a health card? [yes] [no]

7. Describe to me how your encounter with the daman staff was.

4.MEMBERSHIP DEPLOYMENT JULY 2006-2011

KEY:

Basic-

•Monthly total salary package less than or equal to 5,000 AED housing included.

•a Daman only service with 600 AED annual premiums.

• Abu Dhabi government is the only risk carrier

Cover is fully reinsured until 2016

Enhanced:

•wide range of benefits and territorial coverage restrictions

• Daman is the risk carrier while MunichRe reinsures

Thiqa:

•particularly for UAE Nationals

•Abu Dhabi Department of Finance is the only risk carrier

The Fungal Biomass Pre-treatment Techniques Concept, Mechanism, and Application

The Fungal Biomass Pre-treatment Techniques: Concept, Mechanism, and Application

CHAPTER 2: LITERATURE REVIEW

2.1 Overview of the Topic:

In this section, the researcher will provide an overview of the key factors, which affect the rate of biological degradation of the fungal biomass.

2.2 Pre-treatment of the Fungal Biomass:

Description of the pretreatment methods that can be used to fractionate, solubilize, hydrolyze and separate cellulose, hemicellulose and lignin components.

2.3 Physical treatment methods:

Mechanical comminution Processes

Extrusion

2.4 Physico-Chemical pretreatments

The application of the steam explosion, or the autohydrolysis process

Use of the liquid hot water

Application of the ammonia-based pre-treatments

CO2 explosion

Oxidative pre-treatment

Wet oxidation

Micro-wave pretreatment

2.5 Chemical-pretreatment processes

Acid pretreatment

Alkali pretreatment

OzonolysisOrganosolventsIonic liquids

2.6 Biological Pre-treatments

2.7 Potential of the Fungal Pre-treatment and increase in the overall efficiency of bio-ethanol production from the marine algae

2.8 Cost-Effective Approach of Fungal Pre-treatment and Biomass Recovery

2.9 Economic and Environmental Optimization of Bio-Ethanol Production

2.10 Impact of Increasing Key Parameters such as Sugar Yield, Sterilization Requirements and Pretreatment Time on Techno-Economic Performance of the Fungal Pre-treatment of the Ligno-Cellulossic Biomass

2.11 Conclusion