Hospitals and Doctors - the real beneficiary in this stressful life

[greenies]

Sinkies are well known for hard working class.
Working life in S'pore is also known to be very stressful.

Some of my classmates/ friends worked for 20 years since graduated become expired (passed away).
Before expiring, they spent tons of money trying to cure sickness... infamous cancer, heart, various organs, etc.

Sometimes I think the real beneficiaries are hospitals and specialist doctors in this stressful life.
They collected all savings of desperate patients, including my friends.

 

[Sinkie]

Can you write properly? Dun know what fuck you trying to say here...

 

[greenies]

Can you write properly? Dun know what fuck you trying to say here...

Ok. to say in laymen terms...

You saved lots of money through hard working and under stress.
You do not know when the life threatening sickness arrives on you.
When it comes, you spend tons of money, all your saving for cure.
Then, your money appears channeling into pockets of hospitals and doctors.

 

[Gunslinger]

use some of that money from the hard work for a proper health insurance plan.

 

[greenies]

use some of that money from the hard work for a proper health insurance plan.

Good advice.
But, most of the cases, insurance money never enough.

Only riches can buy monthly insurance of closer to $1k to cover everything up to million dollars claim.
Common mere mortals could afford <$100k claimable insurance.

 

[Sinkie]

Ok. to say in laymen terms...

You saved lots of money through hard working and under stress.
You do not know when the life threatening sickness arrives on you.
When it comes, you spend tons of money, all your saving for cure.
Then, your money appears channeling into pockets of hospitals and doctors.

You're looking at the matter in an over simplistic manner. In the first instance, you can buy insurance to prevent yourself incurring huge medical bills.

But the real issue does not lie in channeling hard-earned money into the pockets of doctors and hospitals.

In the first instance, medical costs are artificially pegged too high so that it becomes costly and is continuously going up.

This should not be the case, for healthcare costs should be affordable, but it is not.

The most damaging aspect, IMO, is the unnecessary tests hospitals put you to when you get warded. All these tests are expensive. We should question the doctors why such tests are necessary. They seem to up-sell you on all kinds of tests. That is the real issue.

 

[songsongpunggol]

always ask for second opinions because some doctors may want to rip off your cpf medisave.

 

[Sinkie]

Good advice.
But, most of the cases, insurance money never enough.

Only riches can buy monthly insurance of closer to $1k to cover everything up to million dollars claim.
Common mere mortals could afford <$100k claimable insurance.

Nonsense. Your ability to understand the purpose of insurance is so appalling, I'm surprised.

Tell me, why do you need a million dollar claim for? And why do you buy a $100k insurance for? Are you treating insurance like an investment?

Just buy a private medical hospitalization plan to cover for your hospitalization reimbursements for catastrophic illnesses and you should be good to go.

 

[kopiuncle]

i think greenies has a valid point here
look at the clinics and the hospitals
all packed with sick people
look at all the doctors
all wealthy and rich
now look at the patients - rich and poor
their hard earned savings mostly gone
on long term expensive medications
many worked to pay their medical bills
many saved only to pay their hospital bills
some don't even have enough to pay for their coffins
medisave not enough
insurance not enough
co-payments gone up
deductibles gone up
so if you live to a good ripe age
better go peacefully
spare your children and depenedents
all this enormous financial drain
think about it...greenies is right....thank you

 

[kopiuncle]

some insurance schemes only pay you if you get a TERMINAL illness!!!

my aunty got breast cancer - early cancer
she failed to get anything from her insurance company
you are still alive and you are not terminal
what the fark is this!!!

 

[batman1]

Nonsense. Your ability to understand the purpose of insurance is so appalling, I'm surprised.

Tell me, why do you need a million dollar claim for? And why do you buy a $100k insurance for? Are you treating insurance like an investment?

Just buy a private medical hospitalization plan to cover for your hospitalization reimbursements for catastrophic illnesses and you should be good to go.

Most Singapore citizens have mandatory insurance under the Dependents ' Protection Scheme (affordable term life insurance) and Medishield (Low cost and lifelong solution when u cannot perform at least 3 Activities of Daily Living ) but they may not be protected financially and sufficiently if they have catastrophic illness e.g. cancer,so a separate private medical/hospitalisation/critical illness insurance policy will be necessary.
So that's why Khaw Boon Wan pay only $8.00 for his bypass surgery ?

 

[Sinkie]

Most Singapore citizens have mandatory insurance under the Dependents ' Protection Scheme (affordable term life insurance) and Medishield (Low cost and lifelong solution when u cannot perform at least 3 Activities of Daily Living ) but they may not be protected financially and sufficiently if they have catastrophic illness e.g. cancer,so a separate private medical/hospitalisation/critical illness insurance policy will be necessary.
So that's why Khaw Boon Wan pay only $8.00 for his bypass surgery ?

You don't need critical illness insurance if you cannot afford it. Like I said, just sign up for private medical hospitalization plan, which is the private enhanced medishield plan. If you wish to have the deductible and co-insurance covered, sign up for the "rider", if not, just leave it, no big deal.

If you've no dependent, opt out of the DPS. It's not necessary.

For long-term medicine, no choice, you've to fork out from your savings if medisave does not cover.

You can buy a strictly term insurance for total and permanent disability, with high cover and low cost.

All those life cover insurances with critical illness are expensive with low sum assured. For me, such insurances are rip-off.

 

[BuiKia]

The doctors nowadays are all into profit. They will be questioned by the hospital if they do not bring in enough money. If the hospital get a new machine, the doctor will always ask you to do the test. No to be safe, but to make sure the machine generate profit for the hospital.

 

[greenies]

i think greenies has a valid point here
look at the clinics and the hospitals
all packed with sick people
look at all the doctors
all wealthy and rich... ...)

Thank you, kopiuncle.
You help to make my points clear and more emphasis.

 

[greenies]

You don't need critical illness insurance if you cannot afford it. Like I said, just sign up for private medical hospitalization plan, which is the private enhanced medishield plan. If you wish to have the deductible and co-insurance covered, sign up for the "rider", if not, just leave it, no big deal.

If you've no dependent, opt out of the DPS. It's not necessary.

For long-term medicine, no choice, you've to fork out from your savings if medisave does not cover.

You can buy a strictly term insurance for total and permanent disability, with high cover and low cost.

All those life cover insurances with critical illness are expensive with low sum assured. For me, such insurances are rip-off.

Dear Sinkie
Most sinkies are not expert in insurance policies.

Me, worse than any other sinkie.
I bought life policy, monthly premium paying $250. It is a saving one, return me back when I withdrawn.
I also bought hospitalization and major sickness plan, which I pay $500 yearly. It is one time payment and money never return me back.

But I still do not understand how those insurance policies worked?
Many cases I heard they cannot claim back... reasons given by insurance companies were so complicated.

Anyway, my real point as TS is that our life style is indirectly making hospitals and doctors extremely rich in Singapore!

 

[Sinkie]

Dear Sinkie
Most sinkies are not expert in insurance policies.

Me, worse than any other sinkie.
I bought life policy, monthly premium paying $250. It is a saving one, return me back when I withdrawn.
I also bought hospitalization and major sickness plan, which I pay $500 yearly. It is one time payment and money never return me back.

But I still do not understand how those insurance policies worked?
Many cases I heard they cannot claim back... reasons given by insurance companies were so complicated.

Anyway, my real point as TS is that our life style is indirectly making hospitals and doctors extremely rich in Singapore!

You expect doctors to be paid how much? As low as a clerical staff? Get real. The specialists in hospitals drive ferrari and jaguars and they deserve it for the skill they possessed in curing patients. The hospitals are the ones that are making the doctors recommend all kinds of unnecessary tests which are costly to the patients and PROFITING from it. The doctors could be in cahoot with the hospitals but they've no choice if they're working within the hospital's expectations of them.

If you do not want to benefit the hospitals and doctors, then dun get sick and live a healthy life-style and just buy the basic shield plan to cover for catastrophic illnessess. What is so complicated about that?

If you do not understand insurance, then educate yourself and stop complaining, instead spend more time analyzing the subject matter.

You buy insurance and yet try to make it into an investment, where you lose not a single cent. You think there really is a free lunch with the insurance company?

Already when one sees a private GP, every consultation is minimum $30 and a GP makes at least $30,000 per month on an average.

Such professions like doctors always make alot of money but they're more justified than hawkers, who make $30,000 per month on an average too and yet pretend to be poor and provide fuckup customer service and food.

 

[greenies]

Ha ha... I respect all layers, doctors, engineers, hawkers, prostitutes, beggars...
They are human, trying to play their roles in society.

What is so special about doctors in Sinkies land earning astronomical paycheck, compared with that professionals in Japan, Taiwan, S.Korea.

 

[greenies]

What will happen if we import unlimited FT doctors?

You can see the effect in other sectors... Engineering, construction, F&B, accounting etc.
In the past 10 years,
Engineer salary/ package ---> no improvement.
Construction (supervisors, foremen) ---> no improvement.
Accounting ---> no improvement.
F&B ---> no improvement. They even approved on non-English speaking FTs to be employed.
Sales ---> no improvement. Lots of non-English speaking staff.

 

[Sinkie]

Ha ha... I respect all layers, doctors, engineers, hawkers, prostitutes, beggars...
They are human, trying to play their roles in society.

What is so special about doctors in Sinkies land earning astronomical paycheck, compared with that professionals in Japan, Taiwan, S.Korea.

You're talking rocks here. I'm not siding doctors and you think doctors are not special? Think again. You think it's so easy to become a doctor? It's easier to be a hawker and earn much more and yet spit on customers with poor customer service and uncouth manners.
You think you're served well by our hawkers here? I rather give my hard-earned money to doctors than to hawkers or other professionals like lawyers or engineers.

And dun give me crap references like prostitutes and beggars....and one more thing, stop pretending to write broken English here.

 

[Sinkie]

What will happen if we import unlimited FT doctors?

You can see the effect in other sectors... Engineering, construction, F&B, accounting etc.
In the past 10 years,
Engineer salary/ package ---> no improvement.
Construction (supervisors, foremen) ---> no improvement.
Accounting ---> no improvement.
F&B ---> no improvement. They even approved on non-English speaking FTs to be employed.
Sales ---> no improvement. Lots of non-English speaking staff.

You can import as many FTs in other industries for all I care. For doctors, you can refuse to consult with an FT import if you do not think he or she is qualified. No one is stopping you as your health is more important to yourself. I've never come across an FT doctor that is successful in Singapore. Have you?