**6. Conclusion**

The functions of the universal health insurance coverage–Bismarck Model were formulated according to SDG 1, 2,3,6 and 10 targets after the desired outcomes of health-related SDGs and the UHC framework were synthesized. Those functions were designed to protect insured populations from financial risk, and to finance health promotion, disease prevention, treatment, and palliative health care services, and equity in low-density-population districts. The existing three-dimension pooling risk framework of the health insurance scheme-Bismarck Model was transformed to the six-dimension pooling risk framework, based on the functions of the universal health insurance coverage–Bismarck Model. The existing cross-subsidization of the three-dimension pooling risk framework is built on the rich subsidizing the poor, healthy people subsidizing sick people, and the young subsidizing the elderly. In contrast, the innovative cross-subsidization of the six-dimension pooling risk framework was created based on the rich subsidizing the poor, healthy people subsidizing sick people, the young subsidizing the elderly, the healthy people subsidizing for their own health promotion, and disease prevention, and high-density-population district subsidizing for equity in low-density-population districts. The innovative crosssubsidization of the six-dimension pooling risk framework shifts the health insurance from disease funding to human capital investment, to remobilize healthcare resources toward WHO frameworks, theoretical UHC frameworks, and national frameworks for accelerating the progress on the health-related SDGs, particularly in low-income countries, the world's least developed countries, and the Member States in the WHO African Region. The premium equation of health insurance–Bismarck model is required to restructure based on probability of health and illness, and equity in lowdensity-population districts, for implementing the framework in health insurance schemes.
