Serious GOOD ARTICLE. SINGAPORE HEALTHCARE MODEL SHOULD NOT BE FOLLOWED. SIBEH HO AH!

[ahleebabasingaporethief]

https://international.thenewslens.com/author/Justin%20Hugo%20


https://international.thenewslens.com/article/68844

 

[greedy and cunning]

not worry , 70% still approve and support the regime.

 

[batman1]

Honestly,the pro-business model is to ensure the insurance companies are profitable,guaranteed by govt ,XO durian guarantee.

 

[po2wq]

tis clearly shows wat idiots non-skolars r! ... dat fler who wrote ze article is clearly n idiot! ... ze model was painstakingly crafted by big deal skolars ... peasants wil never haf ze capability 2 understand iz profundity ...

 

[bic_cherry]

One reason is current iteration of medishield-life, which has morphed the NUS medical school into the most premier and profitable BUSINESS SCHOOL in Singapore :

24yrs MOH Mistake to use Public Insurance System to fund Private Hospitalization costs.

And the expansion of medishield into medishield-life (2015) just magnified and aggravated these mistakes...

Isn't medishield-life like a form of National Service / income tax, with fixed parameters (e.g. 2yrs duration)/ universally applied income tax scale designed to be fair and equitable to all citizens?

source : https://www.moh.gov.sg/content/moh_...medishield-life/medishield-life-benefits.html

Medishield-life by definition and reason for conception, is as an insurance against extremes of PUBLIC hospitalization costs and intrinsic to its design is the need to pay deductible and co-insurance (3-10%) as a deterrent against people living unhealthy lifestyles and thus requiring AVOIDABLE hospitalization for AVOIDABLE lifestyle diseases.

This deterrence effect against unhealthy lifestyles should apply across the board and like NS, cannot be shortened/ waived with the payment of a bribe/fee.

Whether officer or private rank in NS, all NSF serve the same 2yrs. NS also applies to all Singapore citizens even if they reside/study abroad/ plan to migrate in future.

Ditto income tax for all income earned in the world (except for the case where Singapore has mutual agreements with foreign governments to tax based on earned income location).

In the case of BOTH medishield-life AND NS, non-compliance will result in a jail term as well as compensation payment to the government in lieu of default.

As such, Medishield-life ought operate upon the same universal principles as NS, which means all integrated medishield-life plans should adhere to the same deductible and co-insurance requirements as basic medishield-life, meaning that anyone who wants to enjoy the blank cheque/buffet style benefits of 100% cover (free from deductible /co-insurance)/ private hospitalization cover should buy their own separate private hospitalization policy but first pay medishield-life basic premiums.

Integrated medishield-life plans should only be used to cover A and B1 ('private') wards in PUBLIC hospitals (deductible and co-insurance rates unchanged across all medishield-life based plans) and should NOT apply to private hospital use.

Just as all national taxes are pooled to support public transport, police/ fire service, people have the option of using private car transport/ attend private schools /home school/ private security at their own personal costs but that doesn't discount their national duty to pay personal income tax etc to fund these public goods.

Likewise, those who want private hospital (or 100% as charged public hospital A/B1 ward) cover should buy their own private health insurance at own costs and medishield-life should be treated like a form of income tax/national service which they have to contribute to (even if medishield-life only covered PUBLIC healthcare costs) because it is classified as a public insurance / necessity /public good. Claims from private insurers or medishield-life should be mutually exclusive: i.e. a bill can be claimed vz either process but not both (just like home schooling/ pte transport use doesn't afford one discounts from NS/ income tax payment).

The consequence of MOH policy mistake is seen today in the fact that rich people with riders are exploiting the poor by making double (approx 2.04 times* or even more ) as much as is claimed by the average medishield-life policy holder: akin to broad daylight robbery of poor Singaporeans.

Riders providing a blank cheque/ promoting buffet syndrome amongst private sector doctors and patients respectively only causes more public sector doctors to abandon public hospital patients for the lucrative private sector because the MOH (PAP gahmen) is complicit in robbing the poor to make private sector doctors rich by allowing rich people (exploiting the rider and ABSENCE of public healthcare limitation loophole), to evade fundamental location, co-insurance and deductible rules which are a main pillar in the design of medishield originally and its subsequent expansion into compulsory medishield-life- i.e. to misuse/ exploit a highly structured and focused national PUBLIC hospitalization insurance program into one that offers blank cheques and buffet style PRIVATE healthcare consumption for the privileged few who exploit glaring loopholes of a public hospitalization insurance plan for their limitless private hospitalization buffet syndrome demands.

PAP thus needs to admit its 24yrs old MISTAKE of allowing an essentially public hospitalization cover to be misused/ misdirected for private hospitalization use in order to make medishield-life sustainable and affordable for the common man on the street.
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References:
Medishield was started in 1990 and integrated plans with riders allowed in 1994 https://www.todayonline.com/singapo...l-new-integrated-shield-plans-full-riders-moh

"rich people with riders are exploiting the poor by making double (approx 2.04 times* or even more ) as much as is claimed by the average medishield-life policy holder" see article 'PAP gahmen is SQUANDERING tax payers $$$ and IRRESPONSIBLE with Medishield-life funds.'