Page 175 - GHES-2-4

Global Health Economics and
Sustainability
Evaluation of mental health law in Chile

Table 9. Average effective financial coverage (%) of telemedicine medical consultations in plans without restricted coverage by
Isapre (2022)
Health service Colmena Cruz Vida Nueva Banmédica Consalud Whole
Blanca Tres Masvida system
Teleconsultation of medical specialty in adult psychiatry 46.2 61.4 62.0 31.0 38.5 50.7 48.3
Specialty medical teleconsultation in pediatric and adolescent psychiatry 42.3 42.5 80.0 54.7 36.9 39.7 49.4
Teleconsultation of medical specialty in adult neurology 60.9 73.8 48.5 57.2 65.2 71.6 62.9
Specialty medical teleconsultation in internal medicine 66.8 76.7 53.1 78.8 58.1 68.4 67.0
Teleconsultation of medical specialty in pediatrics 67.1 80.3 48.8 69.1 65.3 75.4 67.7
Specialty medical consultation in adult gastroenterology 67.9 76.1 66.7 77.5 64.3 59.2 68.6
Teleconsultation of medical specialty in obstetrics and gynecology 65.5 81.3 56.5 71.3 63.8 73.7 68.7
Telerehabilitation: clinical psychologist (45 sessions) 68.0 73.1 66.5 76.2 60.9 68.4 68.8
Teleconsultation of medical specialty in dermatology 66.6 81.2 66.1 68.6 67.5 73.6 70.6
General medicine teleconsultation 72.3 86.1 62.6 66.4 63.2 74.7 70.9
Source: Superintendence of Health, Claims Services Master File.

Table 10. Average effective financial coverage (%) of telemedicine medical consultations in plans with restricted coverage by
Isapre (2022)
Health service Colmena Cruz Vida Nueva Banmédica Consalud Whole
Blanca Tres Masvida system
Specialty medical teleconsultation in pediatric and adolescent psychiatry 29.7 27.7 42.4 27.0 36.7 51.6 35.9
Teleconsultation of medical specialty in adult psychiatry 33.7 35.4 36.0 40.0 35.8 57.3 39.7
Telerehabilitation: clinical psychologist (45 sessions) 39.5 44.8 42.3 34.9 43.2 38.7 40.6
Teleconsultation of medical specialty in adult neurology 63.4 69.2 64.1 56.4 62.3 65.2 63.4
Teleconsultation of medical specialty in internal medicine 66.8 68.7 65.1 59.5 62.1 69.5 65.3
Teleconsultation of medical specialty in obstetrics and gynecology 66.4 75.0 63.5 60.2 64.6 72.9 67.1
Specialty medical consultation in adult gastroenterology 69.1 71.2 69.1 62.2 67.1 65.7 67.4
Specialty medical teleconsultation in pediatrics 68.6 75.1 64.5 60.9 65.0 73.9 68.0
Teleconsultation of medical specialty in dermatology 67.6 76.0 69.4 60.2 65.6 72.0 68.5
General medicine teleconsultation 73.4 79.4 63.4 64.6 63.7 77.2 70.3
Source: Superintendence of Health, Claims Services Master File.

Comparing MH consultations by telemedicine between considering plans without coverage constraints; however,
plans without coverage restriction versus plans with 2022 more than doubles the 2021 coverage. Furthermore, the
restricted coverage shows consistently increased coverage MH bed day again has the lowest effective financial coverage
in plans without coverage restriction (excluding Nueva among all beds in plans without coverage constraints and
Masvida for adult psychiatric consultations). Here, the restricted coverage. In contrast, the MH bed day in the plans
opposite occurs in Consalud since individuals using without coverage restriction exhibits an average coverage
plans with restricted coverage obtain the highest average 79% higher than those with restricted coverage.
coverage in adult and pediatric psychiatrist consultations.
3.2.2. Sick leaves
Analyzing plans without coverage constraints shows
that although the gap narrows with the other specialties, In 2022, curative sick leaves (Table 13) related to mental
disorders (ICD-10 group F) were again first in the number
medical consultations by MH telemedicine again have of sick leaves processed (457,038, or 24.4% of the total).
the lowest average effective coverage among specialty In contrast, in all diagnostic groups, there is a decrease
consultations. (2022 vs. 2021) in the proportion of authorized sick leaves

The analysis of bed days (Tables 11 and 12) shows an (concerning those processed), where the most significant
increase in average coverage in 2021, especially when decrease occurs in mental disorders.

Volume 2 Issue 4 (2024) 9 https://doi.org/10.36922/ghes.3408