Medishield-life licenses smokers to smoke EVEN MORE than ever before.

As I understand, where critical illness insurance is concerned, smokers have to pay premiums upwards of 50% loading. With the appended website stating: "At age 20, the percentage difference is 50%, while at age 65, the percentage difference increases to 71%."

Premiums for prudential's 'Early Crisis Cover Provider' which can be found @http://s1123.photobucket.com/user/PR...arges.png.html and seems to follow the same loading trend thereabout.

However, for medishield-life (compulsory health insurance scheme), there is zero loading for smokers. Indeed, there is zero incentive awarded to Singaporeans who strive to keep healthy and fit, suffice to say, those with pre-existing disease not already covered by medishield are charged an extra 30% in premiums for the first 10 years. (30% is only half of the market rate loading for a currently 'healthy' smoker of 50-71% btw).

Blunt home value based means testing divides families and dampens birth rate of Singaporeans.

Oddly, when challenged, Ms Sim Ann (SMS Finance) said "... targeted schemes form “only a small part” of the total benefits that Singaporeans, including private-property dwellers, receive"...

Is she bending the truth when we all know that GST credits, utilities rebates, education bursaries, medical subsidies (ward charges, CHAS card/ medishield-life premium subsidy), workfare, workfare transport concession, silver support scheme and almost ALL community support schemes (nursing home, home nursing foundation etc) are means tested with 'Annual value (AV) of home' being a core criteria in means testing?

In today's computer age whereby (CNA, 25Feb2016) 'Satellite-based ERP to be ready by 2020, with S$556m contract awarded', surely, a more appropriate per-capita AV calculation cannot be too much to be expected from a "first class political leadership"?

(per capita AV of home is the AV of residence divided by the number of Singaporeans/ PRs residing at the address (owner, family + tenant etc)).