Medishield-life turns out to be a scam that robs poor people in Singapore?

Medishield-life turns out to be a scam that robs poor people in Singapore?
http://www.straitstimes.com/singapore/he...ay-feature

Medishield-life should not be a loophole for the rich to rob the poor.

Only fair that PAP gahmen compensate all BASIC medishield-life premiums by 60%; Integrated Medishield-life RIDERS are Antithetical to concept of Pre-funding.

The concept of any form of insurance is about insuring against the unpreventable and the catastrophic: i.e. the damage must NOT be self inflicted due to negligence like the lack of exercise resulting in a low muscle mass and accordingly a low basal metabolic rate resulting in high body fat % (meaning that all fat cells are already so saturated with fat that they cannot accommodate any more energy absorption in the form of glucose): resulting in insulin resistance and high blood glucose: aka T2 Diabetes Mellitus. The purpose of the insurance deductible and copayment are thus blunt/ minimal forms of controls upon the abuse of these restrictions/ liabilities that ALL members of the national healthcare insurance scheme must adhere to without exception (just like national service (NS) or obeying laws and rules such as returning one's library books before their due date arrives).

Poor subsidise the rich in Singapore healthcare costs landscape:

Poor subsidise the rich in Singapore healthcare costs landscape:
Gahmen subsidises medishield-life premiums based upon residence type based on registered IC address, but many rich Singaporeans can circumvent this categorization by owning a private residence under either a relative's name or else a corporate registration ownership vehicle so that the gahmen has the WRONG idea how rich one is, being deceived by the IC address declared by the citizen.

Singaporeans just LOVE the 'privilege' of SERVING NS so much... they actually want more.

[Letter to Today] NS a duty, not a job — thus no ‘salary’: Mindef

Overpaid? Singapore court judges very idle, listen to boliao* issues to kill time?....

As I understand, before any case can be allotted court time, the court registra will examine the complexity/validity of the case before scheduling an amount of court time before well paid judges to hear out a case.

In the b/m case of 'Ng Huat Seng and another v Munib Mohammad Madni and another', I cannot understand why the court would even have to focus on the issue of vicarious liability if the said contractor who damaged a neighbour's building was insured and would agree to compensate for the damages. Instead of focusing on whether Mr Munib Md was vicariously liable, wouldn't justice be more economically achieved if the courts focused upon placing an injunction on continuing any further damaging works and compelling the rectifications/ immediate compensation of damages caused to neighbouring buildings, especially if the contractor is not only solvent but also insured?
Shouldn't the issue of vicarious liability only arise if the contractor is either bankrupt or disputes the damages caused?
Perhaps the issue of vicarious liability would NOT EVEN HAVE OCCURRED if Singapore court judges (instead of dawdling on ivory-tower type superfluous issues), had heard the case at short notice an issued immediate stop work order injunctions so that the damages would not have grown so immense and severe at first instance.
It seems to me that Singapore judges have a lot of free time to kill (just churning out work for themselves) and thus perhaps, the Minister of Finance might consider REDUCING the funding to the Judiciary for the coming work year.

SG gahmen rolls out long overdue insurance coverage for UNSALARIED NSmen and sugarcoats it as manna from heaven.

Shouldn't this 'free' (conditional) life insurance coverage have been provided to abused and ill-treated NSmen eons ago???!!! Certainly so considering the fact that PAP in 2011 (viz MP Lim Wee Kiak) revealed that high "payouts" give Ministers "dignity": suggesting that hard cash would be a critical measure of dignity where persons performing important 'duties' is concerned.

 And whereas Wee Shu Min, daughter of PAP MP Wee Siew Kim, in Oct 2006 called fellow Singaporean Derrick Wee a "'stupid crackpot', belonging to 'the sadder class' and overreliant on the government. Her post also called for Derek to 'get out of my elite uncaring face'".

Singapore: Medishield-life= terminal life support for a BANKRUPT healthcare system?

Singapore: Medishield-life= terminal life support for a BANKRUPT healthcare system?

As admitted by Health Minister Gan Kim Yong: “If you look around, our investments in health promotion and diseases prevention, I think... it is actually significantly lower than the amount of money we spend on treating diseases... ... .. We need to take a holistic approach towards health promotion, taking into account how can we empower consumers so that they make the right choice” ['Empower consumers with holistic approach to healthcare: Gan Kim Yong', TODAY, 11 Feb,2015]

The consequence of lifestyle/ preventive healthcare lapse: dire statistics:
- "Singapore has the second-highest proportion of diabetics among developed nations, a new report by the International Diabetes Federation (IDF) revealed...10.53 per cent of people in Singapore...Only the United States fared worse..."['Singapore 'has 2nd-highest proportion of diabetics''; ST, 2nd Dec2015]

How Exercise trumps Medishield-life as key to good life.

Changi General Hospital started housing patients waiting for beds in this large air-conditioned tent this week. The 800-bed CGH, along with Tan Tock Seng and Khoo Teck Puat hospitals, has resorted to sending patients to Alexandra, one of the few public hospitals here with spare beds. Health Minister Gan Kim Yong said last night that he was aware of the problem - hence, the push to add 1,900 more acute hospital beds and 2,600 community hospital beds by 2020. -- ST PHOTO: DESMOND FOO - See more at: http://www.straitstimes.com/breaking...steps-20140108


- exercise will not drain your medisave unlike Medishield-life life and if everyone keeps fit, then waiting along corridors/ under tent for a proper hospital ward bed will never happen (except in case of disaster/ war).

Like private insurers, Medishield-life should also give freebies and discounts to encourage citizens to keep fit....

"Those who pass all four health markers — Body Mass Index, blood pressure, fasting blood glucose and cholesterol — and are currently insured under NTUC Income’s IncomeShield or Enhanced IncomeShield will receive a S$50 CapitaMall shopping voucher each year that they take the test. Singaporeans who are not yet insured with NTUC Income will receive a S$50 discount off their first year premiums if they decide to sign up for Enhanced IncomeShield."[Rewards await healthy NTUC Income clients (TDY, 28May2015)]

For one thing, I believe that medishield-life premiums are probably going to increase exponentially no matter how much 'prefunding' premised deductions are made from individual CPF medisave accounts if there is no policy effort at promoting/ rewarding healthy lifestyle adoption amongst (compulsory) insurance policy holders.

Medishield-life: A Missed Opportunity to Shape Unhealthy/Kiasu Singaporeans up.

Oki, sorry to have now made a majority of Singaporean readers UPSET by reminding them of their Kiasuism flaw, but folks, isn't seeing many kiasu Singaporeans join a queue EVEN WITHOUT KNOWING WHERE THE QUEUE LEADS TO: quite a frequent sight? (Visit to casino/TOTO, Hello Kitty toys from McDonalds, Korean Boy band at Airport, Gold certificate/ Land-banking ponzi schemes, tution classes sufficient to make any kid go berserk?)[reference: Top 10 Things Singaporeans Will Willingly Queue For | scene.sg].

Amongst all this queueing for what is deemed 'ideal', isn't personal health an important asset too?: both for country and self (as in the context of medishield-life: Singapore's planned compulsory national health insurance plan whereby those who fail to pay premiums could well find themselves in jail (even after paying up hefty fines)): falling sick early could well raise premiums for all: so shouldn't medishield-life incentivise healthy lifestyles: not least disincentivise smoking/ unhealthy lifestyles/ the avoidance of health check-ups (as is the current situation) so as to keep overall premiums/ health care costs low.

Proof that Medishield-life is squandering public money, sponsoring people to spend/consume way beyond their means:

Firstly, if stay HDB and low income automatically = poor? Haha, Minister must be a joker/fool. What about those either holding foreign PR or even Singaporeans secretly holding foreign citizenship (illegal I know: they just didn't declare to anyone) and either (i) deceptively use poor relative's house as residence address, (ii) sold their pte property at property mkt peak and bought 2-rm HDB as single to use as chalet for the rare occasion of stopover to check out property mkt (can sell the 2-rm open mkt at profit after 5 yrs kept empty for a profit; they stay in luxurious mansion in their newfound country of residence (planning to return to SG for medical treatment to exploit medishield life A class IP benefits to the max if need be (max GST credits after fooling the stoopid SG gahmen into believing the deceit: whoopee!!!))).
PS: a single/ childless couple staying in a smaller unit has a better quality of life compared to some large multigenerational families staying in larger sized units but too small relative to occupant residing there. 

[Parody]: MediShield Life: Must take medicine but won't? Jail, fine on the cards

The following is a parody of 'MediShield Life: Can pay but won't? Jail, fine on the cards',grey=delete, red = added new text.
Feedback welcomed, pls enjoy.

PS: The old Singapore nanny state is now becoming a police state, Singaporeans, please be prepared.

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MediShield Life: Can pay Must take medicine but won't? Jail, fine on the cards
Wednesday, Jan 21, 2015
My Paper
By Salma Khalik

[Meritocracy]= 86% discount off Medishield-life premiums for the health conscious.

- In line with national productivity campaign: U don't need to see GP or specialist to take medicine to be healthy by making daily efforts in staying healthy: (healthy diet, moderate alcohol consumption, a smaller waist circumference, regular exercise and not smoking according to study.)
- Meritocracy: those who are health conscious and a reduced BURDEN on gahmen healthcare subsidies ought to be rewarded. Since their chance of heart attack is 86% less, chances are that they will be employable/ productive for longer: thus, these responsible folks should be rewarded with 86% discount in premiums under the new/ compulsory Medishield-life scheme.

Of course, cheats like Jover Chew (etc): pls be warned: U must do annual cholesterol, diabetes, blood pressure, BMI, CO levels for smokers etc (if not a 2.4km IPPT test/ equivalent as substitute for cholesterol etc levels/ to get maximum discount of 86% off annual premiums payable): just attaching the fit-bit exercise tracker to your pet-dog's leg will NOT count as valid lifestyle improvement (objective cardiovascular risk calculators such as Framingham Risk Score - Wikipedia, the free encyclopedia will have to be used {alt calc. site})

For all accidents, insurers in Singapore compensate 3rd party victims first, reclaim eventual financial liability later.

ponpokku wrote:

Re Thread:[Ferrari accident] Should assets of Ma Chi be frozen immediately for (re-)compensation?
u r making a mountain out of a molehill.
and no, personal pocesssions shall not be trespassed. if we allowed the govt to do that to ma chi's properties, it would happen to us one day with some dumb reasons. i can never under-estimate how low the govt can go.

[Ferrari accident] Not reclaiming compensatory costs from Ma Chi's estate would be symbolism that in Singapore, crime does indeed pay.

Hospital/ Insurers not recovering compensatory costs from Ma Chi's (>S$3.4M) estate would be admission that crime in Singapore does indeed 'pay'.

MediShield: Adding Life to Years of All Singaporeans?

Quote:

Originally Posted by sock_min Re: 'MediShield burden: Add no-claims discounts and Remove age limits.' Different compare. Motor car can not Lena (sic) cancer, human can.

Give way to buses scheme is dangerous and disingenuous

Give way to buses scheme is dangerous and disingenuous (Ver5.1; 31Dec09):

The conception behind this new policy is not only contradictory, it's also extremely dangerous and quite unenforceable as I shall describe:

- The LTA concept: see 1^st large heading at 'How the Scheme Works')-
“The Mandatory Give-Way to Buses Scheme is similar conceptually to a zebra crossing, except that it is meant for buses.
When nearing a bus stop under this scheme, motorists will first see triangular give way markings on the road. These markings indicate that motorists approaching these bus stops need to slow down and watch in case buses are pulling out of the bus bay. Motorists come to a complete stop before the give way line and give way to buses exiting the bus bay at the location. Motorists may continue their journey once the bus has successfully exited the bus bay and no other buses are pulling out from the bus bay.
It will be a traffic offence if motorists do not give way to buses exiting from bus bays where the new road markings are drawn. The penalty for each offence is a fine of $130 (no demerit points). ”http://www.onemotoring.com.sg/publish/onemotoring/en/on_the_roads/traffic_management/mandatory_give_way.html

- The give way to buses scheme is likely to contravene the Geneva Convention on Road Traffic [1949] (GCRT1949)http://en.wikipedia.org/wiki/Vienna_Convention_on_Road_Traffic which Singapore is signatory to, (and by which agreement are international driving permits issued and recognized in Singapore).

Better protection for clients

Just make sure insurance has enough liquid$$capital to guarantee the worth of the ALL insurance sold... THAT'S ALL. (Derivatives do not count).
"'the problem we have now is that insurance being sold by people w no capital" ~Martin Wolf. 
Discuss: http://comment.straitstimes.com/showthread.php?t=28377