Not for love of money, but of Humanity. "Greater is he who works for the good of all, then he who works for the good of himself only" ~ Matthew 25:40: "The King will reply, 'I tell you the truth, whatever you did for one of the least of these brothers of mine, you did for me.'"- (NIV). I live in Singapore where the Emperor must not be disturbed.
Wednesday, March 7, 2018
MOH should stop sponsoring the rich at the expense of the poor.
It is unjust for Ministry of Health (Singapore)(MOH) to be blindly subsidising medishield-life premiums REGARDLESS of whether a person has an integrated (upgraded/ enhanced) medishield-life healthcare insurance plan (+/- riders) because many integrated-life plan holders are actually/ relatively much more wealthy people who DO NOT DESERVE any medishield-life subsidies even if they satisfy the MOH sole 2 criteria towards their award: namely: low income and low annual value of residence address (the latter 2 criteria are easily faked by under-declaring one's salary scale and replacing one's residential address with a relative who stays in a cheaper/ smaller public housing unit).
In addition, it is reported that person's with medishield-life integrated plans, with or without riders submit 20-25% higher claims on a per-capita basis upon the common pool medishield-life insurance fund. (see report: 'Insurers want all patients to pay part of hospital bills' as appended below).
MOH must thus establish equitability and be prudent in its use of government funds by DISALLOWING any citizen owning ANY integrated medishield-life healthcare insurance plan from receiving ANY form of medishield-life insurance subsidy whatsoever at all, regardless of how low their income level or registered residential address (which at times may be outdated or deliberately faked (so as to obtain increased undeserved benefits other government subsidy schemes such as the annual GST credits, CHAS healthcare subsidies scheme for instance)).
In fact, those who own any form of enhancement over and above the plain vanilla basic medishield-life national healthcare insurance plan should either have their medishield-life basic claims payouts reduced by 20-25% or have their basic premiums raised by 20-25% in line with this cohort increased claims record in order not to place an excessive economic burden upon the poor who in comparison, make 20-25% REDUCED claims upon the basic medishield-life insurance fund pool as compared to the well-insured rich who leverage the generous payouts of their integrated (enhanced/ private) healthcare insurance plans to make 20-25% higher claims out of the national common pool.
A person who can afford to UPGRADE his basic compulsory medishield-life national healthcare insurance plan into an integrated (enhanced) one and even more so, add on riders to afford either 100% waiver of all medical costs or special VIP privileges cannot possibly be described as poor even if he claims to live in a small house or reports a low income. In a police state like Singapore, all insurers have to be licensed to operate in Singapore and the government knows exactly whom and how many people own integrated medishield-life healthcare insurance plans: it is thus unconscionable for the Singapore government to continue upon its immoral ways of sponsoring the rich at the expense of the poor.
I would thus like to propose that the MOH:
Firstly: suspend all medishield-life basic level subsidies to anybody owning an integrated medishield-life plan or higher,
Secondly: monitor the claims records submitted by the 6 healthcare insurance providers of the integrated medishield-life insurance plans for their claims record per-capita upon the common basic medishield-life insurance pool to see if the claims per capita remain 20-25% higher: if so, then perhaps a levy upon all private insurers (e.g. Prudential, Great Eastern, NTUC, AIA etc) equal to the increased claims history of their customers should be imposed so as not to burden the majority poor who are by compulsion, also forced to pay premiums to the common pool only to benefit the rich who leverage upon integrated/ enhanced insurance plan riders to make larger claims to the detriment of the remaining poor.
Over generous subsidies by MOH to the rich and wealthy is the main reason why Singapore's GST (/VAT) (a regressive tax) is scheduled to increase between 2021 and 2025 from 7% to 9% http://www.straitstimes.com/singapore/si...1-and-2025 MOH should stop just throwing $$$ at the problem, use medical subsidies as a vehicle for vote buying or medishield-life subsidied as a siphon of $$$ to the rich. Excessive healthcare consumption shouldn't be encouraged and instead of incentivising the purchase of healthcare insurance plans, MOH should incentivise heath and fitness attainment in society by providing subsidies based upon IPPT scores, % body fat levels, resting heart rate levels etc, all of which are parameters correlated with REDUCED healthcare costs claims. MOH should thus stop navel gazing and its wasteful, regressive, inequitable and ineffective policies involving the throwing of good money after bad.
'Insurers want all patients to pay part of hospital bills' ST pg A1, 7 March 2018.
Proof that MOH uses only the blunt and inaccurate measure of declared income for the disbursement of subsidies, these criteria can easily be satisfied by false/ under-declaration of income and residential address. The ownership of coverage enhancements such as an integrated plan and even riders should be considered a sign of wealth on par with the weightage of annual value of residence by residential address being the current approximate measure. The ownership of enhanced insurance plans is also less likely a measure subject to fake/ corrupt reporting since insurance companies are audited and also by protocol forward proportionate claims to the MOH medishield-life basic fund pool, unlike the easily achieved misrepresentation of relative's HDB address as personal residential address to corruptly receive increased government prescribed welfare credits.
Singapore MOH medishield-life 2015 age specific premium, subsidy table for various income group brackets.
Alt img source URL: https://imgur.com/QybxnEM.jpg