The drivers of catastrophic expenditure: outpatient services, hospitalization or medicines?
Background Paper, 21

Overview
Universal coverage and a reorientation towards primary health care is an international goal. Financial risk protection is a cornerstone of universal coverage along with access to care. Health spending through out-ofpocket payment (OOP) is not always easy to cope with. Households may encounter financial hardship and poverty as a result. Indeed, effective and equitable health systems and universal coverage ensures that citizens are able to access needed care without suffering financial hardship. As such all strategies in moving towards universal coverage need to fundamentally address financial risk protection.
This report is part of a series, The World Health Report 2010 Background Papers, which were written to inform the process of developing the key messages of the World Health Report 2010: Health systems financing: The path to universal coverage.