Terms of Reference
Conduct of the inquiry
Acknowledgements
Notes on references
Structure of the report

Introduction
Current out-of-pocket healthcare expenditure
Key areas of expenditure
Committee view

Introduction
Impact of co-payments on consumers ability to access health care
Impact on health outcomes and costs
Effect of co-payments on other parts of the health system
Introduction
Appropriateness of current safety nets and other offsets
Recommended changes to the safety nets
Committee view

Market drivers
Access to comprehensive health data
Sustainability of the health system
Committee view

Introduction
Private health insurance in primary healthcare
Role of private health insurers to reduce out-of-pocket costs
Out of pocket costs associated with the private health system
Ensuring a high level of information disclosure
Committee view

Health Expenditure
Out of Pocket Health Expenses
International Comparisons
Government Measures addressing out-of-pocket expenses
Recommendations