Private medical insurers should NOT induce patients to clog up public hospitals beds by rewarding them with $250/ day.

[bic_cherry]

Private medical insurers should NOT induce patients to clog up public hospitals beds by rewarding them with $250/ day of stay.

source: https://www.straitstimes.com/singapore/hospitals-facing-severe-bed-crunch-take-unusual-steps

AIA is GUILTY of this, and so are probably many other Singapore insurance companies. (About AIA Healthshield gold max, a medishield-life integrated plan: https://www.aia.com.sg/en/our-products/medical-protection/aia-healthshield-gold-max.html )

If AIA wants to encourage insured patients to stay in public hospitals rather than private hospitals in order to improve it's insurance company profits, then in consideration of the fact that medishield-life is a public scheme, the public coffers e.g. medishield-life basic should also receive the same benefit in order to prevent over congestion in public hospitals.

I would like to suggest that for every cent of benefit paid out to medishield-life integrated plan holders as inducement to use public hospitals, the same shall be contributed to the central pool of medishield-life basic: this is to benefit public hospital care and also to prevent them from getting overcrowded consequence of the AIA daily S$250 daily incentive scheme for staying in public hospitals. After all, it is already proven that these medishield-life integrated plan users with the highest class riders also claim more than 2x the amounts as medishield-life integrated plan users without riders which allow for zero dollar deductable and co-insurance.

from: https://www.aia.com.sg/content/dam/...a-health-shield-gold-max-english-brochure.pdf

Otherwise, these rebates should be banned altogether.

Actually all medishield-life integrated plans should NOT be valid at private hospital use at all.

All Singaporeans should contribute to basic medishield-life just like all Singaporeans serve NS.

Those Singaporeans who wish to have private insurance coverage are like those who buy property in foreign jurisdictions: they still have to serve NS in Singapore. But if they have robbers inside their foreign properties, they will call the police of the foreign country in which their home is burgled; the Singapore police force cannot help them on foreign soil. Likewise, all medishield-life related insurance policies shall ONLY apply in PUBLIC hospitals. Those who want private healthcare, they have to buy additional/ separate insurance coverage and only AFTER they have paid up their annual medishield-life premiums.

The original URL for this post is at https://forums.fuckwarezone.com.sg/...er-public-hospital-5946636.html#post117894184

 

[bic_cherry]

Stay longer is subjective la. U stay too short u confirm u recover bo?

I am just saying that because they are zero out of pocket (or less out of pocket than the 'daily incentive benefit' $ amount), some people may decide to demand to stay for much longer inside public hospitals/ treat it like a hotel or even a 'job' because they get paid for staying in a lower class than what their insurance policy had originally allowed them to.

Thus, I am suggesting a tax on the insurers to reduce the amount of daily incentive $$$ inducement paid out, at 50% of the incentive so that the inducement does NOT get so high that patients give every excuse to remain in hospital just to receive a generous incentive $$$ pay out.

The 50% tax on the 'hospital incentive benefit' should be channeled back to medishield-life because according to my post 'Medishield-life: Rich people ROB poor people's life savings in Singapore.', the rich are exploiting medishield-life loopholes to inadvertently rob poor people's CPF medisave life savings.

from: https://www.aia.com.sg/content/dam/...a-health-shield-gold-max-english-brochure.pdf

 

[bic_cherry]

At the EXPENSE of the public hospital because u cannot deny that the longer he stays in a lower class public hospital ward, the higher incentive $$$ reward he is entitled to receive.

Firstly the patient can't stay longer than he is supposed to because public hospitals will minimize overstayers, compared to private hospitals.

Secondly the public hospital will get subvention from MOH for every subsidized case it manages.

Thirdly what's wrong with receiving $$ rewards? The patient pay high premiums to enjoy coverage, in thousands for riders if they get old. They are receiving cheaper "services" while having paid more for higher end "services". This payouts are just compensation for the downgrades.

Apparently for the way you have written, you probably have little experience with people staying in private classes.

To prevent such collateral damage , medishield-life integrated plan insurers should share half of the incentive payment with the government in the form of a 50% tax on the respective payments, preferably as a tax contribution to the common basic medishield-life capital pool.

Like others who have said before, why are you taxing people who paid for insurances compared to "free loaders" who enjoy subsidies without paying at all. Insurance companies do pay taxes to the govt, even if they cut costs to increase their profits.

Really unique thinking.:s22::s22::s22:

Firstly, the patient can exaggerate his problems to deliberately make the public healthcare doctors investigate further, and thus inevitably prolong the stay in public hospitals.

That public hospitals get MOH subvention is besides the point. Perhaps, in order to get MOH subvention, all patient should pay deductable and co-insurance when in public hospitals and medishield-life integrated insurance schemes which don't conform shouldn't be allowed at all.

On your third point, basically the private insurers are abusing the system, trying to cream a profit by using the public healthcare system as their backdoor escape route. Strict rules should apply to public healthcare usage and as my post about rich ROBBING THE POOR vz medishield-life insurance loopholes, the government needs to close this loophole to protect the poor.

Since by definition that everyone is nowadays a medishield-life subscriber, your mention about "free loaders" is misplaced or moot.