REACH 587 - What are your views on Minister Ong’s comments on health insurance? What else can we do to promote a more informed citizenry on healthcare costs?
(SK)
15 Jul 2024 (10am - 7pm)
REACH
15/7/24, 9:45 am - +REACH: *Dear Contributors,*
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Megan 😊
15/7/24, 10:00 am - +REACH: 📢 *Topic*📢
Minister of Health Ong Ye Kung, speaking at the Securities Investors Association (Singapore)’s – Sias – 25th anniversary members’ night, said that Singapore needs to break the health insurance vicious circle or the escalating healthcare costs it creates will make paying for healthcare very painful.
Minister Ong added that the Ministry of Health (MOH) needs to rein in the current unhealthy buffer syndrome enabled by generous insurance policies and that this will be done through the Claims Management Office, set up in 2022 to ensure that claims are appropriately made.
💬 *What are your views on Minister Ong’s comments on health insurance? What else can we do to promote a more informed citizenry on healthcare costs?*
📌 *Insurance as a driver of rising costs*
Naming insurance as a key driver of rising costs, Minister Ong said companies need to take a hard and realistic look at their product design, and rein in generous and unsustainable benefits such as no limits on claims and very low co-payments. He added that competition among insurance companies has aggravated the buffet syndrome and is pushing up healthcare costs, yet the latest financial reports of these companies show they are hardly making profits on their health insurance portfolios.
📌 *Reviewing MediShield Life and Integrated Shield Plans (IPs)*
Minister Ong said the work of reviewing the current healthcare insurance schemes to ensure they provide adequate coverage without encouraging over-consumption is one of the Health Ministry’s main priorities today. This would entail a major review of MediShield Life, as well as looking at IPs and riders offered by insurance companies.
📌 *Changing Consumer Behavior*
Minister Ong said aside from action being taken against errant doctors and insurers redesigning their coverage, consumers also need to be educated on healthcare security. For many, the basic MediShield Life may already be enough. And those wanting higher coverage should understand the kinds of insurance products they actually need.
👉https://www.straitstimes.com/singapore/ip-insurers-risk-a-race-to-the-bottom-as-they-compete-to-win-market-share-says-ong-ye-kung
15/7/24, 10:00 am - ~ REACH Singapore changed this group's settings to allow all members to send messages to this group
15/7/24, 10:04 am - ~ REACH Singapore changed the group description
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15/7/24, 10:07 am - +Frankie Wee: Keep paying rising cost age groups 80-100 years old. Can be $3k per yearly
15/7/24, 10:07 am - +Thank You Woman: 自导自拍自演
Ownself director ownself flim ownself act lol
15/7/24, 10:08 am - +Frankie Wee: There are no lifetime
15/7/24, 10:08 am - +Frankie Wee: Yes
15/7/24, 10:09 am - +Frankie Wee: Wages need to adjust incrementally standard living cost level inflation
15/7/24, 10:11 am - +SQ: Should let us use cpf to pay... few k a year for insurance is not cheap
15/7/24, 10:11 am - +Frankie Wee: When paying insurance ward A public hospital and saving CPF need to mind $200k and above
15/7/24, 10:11 am - +Thank You Woman: 1. They cut the 100% coverage
2. they came out with MediShield life
3. now they said this cannot claim that cannot claim
In medical, every pt(patient) reacts differently to same medication. They(insurance/MOH HOD) say/talk very easy only Doctors knows best.
A very simple example recently was COVID JAB is “safe” hahaha
It turns out it was not!!!!!
15/7/24, 10:12 am - +Frankie Wee: Doctor want more money invested and wealth
15/7/24, 10:12 am - +SQ: Need to cap the insurance comission also.. some FAs just sell those that have higher commission and also upsell <This message was edited>
15/7/24, 10:13 am - +Frankie Wee: Between private and public hospitals I have checked insurance all in Singapore ward A overprice within age group.
15/7/24, 10:16 am - +Frankie Wee: <Media omitted>
15/7/24, 10:21 am - +Frankie Wee: I think it’s unfair to other who had to pay overprice when retire saving not enough.
15/7/24, 10:23 am - +Rama: Zero subsidy for class A in public hospital!?
15/7/24, 10:24 am - +Frankie Wee: Yes drop down ward C
15/7/24, 10:24 am - +Frankie Wee: Upper class rich first serve come first.
15/7/24, 10:24 am - +Rama: Subsidies across all categories need to be adjusted upwards
15/7/24, 10:25 am - +Frankie Wee: Many year when paying insurance premiums will become no value
15/7/24, 10:25 am - +Rama: 👍
15/7/24, 10:26 am - +Frankie Wee: CPF Medisave has mins limit how to support pay hospital insurance
15/7/24, 10:26 am - +Frankie Wee: They ask extra cash overlay price
15/7/24, 10:26 am - +Frankie Wee: Hmmm impossible there will be level inflation increase
15/7/24, 10:31 am - +Frankie Wee: Some people work hard to save up and paying insurance many years till retirement saving and then reach age group 80-100 years with little saving. End up paying a lot money. Can’t compare from richest. Who are not standard living.
15/7/24, 10:34 am - +Frankie Wee: https://www.channelnewsasia.com/singapore/budget-2024-workfare-income-supplement-wis-4128796
15/7/24, 10:35 am - +Frankie Wee: $3,000 still lower
15/7/24, 10:45 am - +Thank You Woman: What ppl say in SINGAPORE can die cannot SICK it had been said a decade ago
15/7/24, 10:46 am - +Thank You Woman: My neighbour a PR in Macau their medical is FREE
15/7/24, 10:46 am - +Frankie Wee: Money no enough how to survive but keep contuine work hard till old age
15/7/24, 10:46 am - +Thank You Woman: Give birth also FREE
15/7/24, 10:46 am - +Frankie Wee: 🫨
15/7/24, 10:47 am - +Frankie Wee: Govt support Only for low income families and rental HDB.
Those who are unable to afford
15/7/24, 10:48 am - +Thank You Woman: myself experienced like 6yrs ago 1 day stay in SGH private rates vs ME Orchard lol ME Orchard was $2K SGD cheaper
15/7/24, 10:48 am - +Thank You Woman: TRUE LIFE CASE
15/7/24, 10:48 am - +Thank You Woman: My spouse
15/7/24, 10:48 am - +Frankie Wee: In future age group different price range
15/7/24, 10:48 am - +Thank You Woman: I was so terribly upset and email MOH
15/7/24, 10:50 am - +Thank You Woman: OK THE $2K difference was not in Dr/specialist fee it is the charges for the “FACILITIES” 🤬
15/7/24, 10:50 am - +Frankie Wee: I rather not buy insurance hospital plan then I stay to choice class C ward. Because keep paying many years rising premiums and less than saving for retirement not enough
15/7/24, 10:50 am - +Frankie Wee: Doctor alway think rich ppl come first premium
15/7/24, 10:52 am - +Thank You Woman: My question is we all know SGH, NUH and etc….are “GOVERNMENT” hospital!!!! BIG PLAYER they order stock qty was enormous hence should be given a cheaper/better price vs Mt E and yet they are charging SO MUCH MORE
15/7/24, 10:52 am - +Frankie Wee: Why not rich ppl can choice private hospitals instead public hospitals
15/7/24, 10:52 am - +Frankie Wee: Private and public sector companies different standard ppl affordable
15/7/24, 10:54 am - +Frankie Wee: This can policy can revise anytime price rising due to cost inflation level.
15/7/24, 10:54 am - +Thank You Woman: SO I really wonder 🤔 should there be a stand alone accountancy to “CHECK” on the govt charges lol
When no one check and the mindset that they are always cheaper till I personally experienced it and was shocked
15/7/24, 10:54 am - +Thank You Woman: Hence never really believe in whatever they say
15/7/24, 10:54 am - +Thank You Woman: Heard of the stories of the boy who cried wolf
15/7/24, 10:56 am - +Thank You Woman: 恶人先告状(the bad guy always says others bully them )
15/7/24, 10:56 am - +Thank You Woman: God sent ppl like me who dare to speak bluntly about nothing but the truth.
15/7/24, 10:58 am - +Frankie Wee: No like other countries they have unfair.
Only Singapore willingly to bear pay and pay
15/7/24, 10:59 am - +Frankie Wee: https://www.businesstimes.com.sg/property/luxembourg-eus-richest-country-grapples-housing-crisis
15/7/24, 11:00 am - +Frankie Wee: Luxembourg is top rank GDP and population very small but wage and taxes inequality
15/7/24, 11:03 am - +Thank You Woman: I learned 1 thing, Government is not always “right” 🤣🤣🤣🤣🤣
15/7/24, 11:07 am - +Rama: Stop a certain category of people from enjoying Subsidies at public hospital based on their tax and cpf contributions
15/7/24, 11:08 am - +SQ: I got a shock when I went to national dental center... the consultant rates for a inexperienced dentist is 100 plus... after SG subsidies it is 60
Everything she need to check with the more senior doctor, might as well go to private better
15/7/24, 11:09 am - +Frankie Wee: I have been long waiting appointment delayed because of short manpower then decide go to private dental cost me $100+
15/7/24, 11:09 am - +Ah Heng: the operating cost went up
15/7/24, 11:09 am - +Ah Heng: if you want to go to pte is going to be more
15/7/24, 11:09 am - +Frankie Wee: Use CHAS card
15/7/24, 11:10 am - +Ah Heng: unless you have chas card den yes pte is faster
15/7/24, 11:10 am - +Frankie Wee: Doctor said there is no room and if u willing to go private dental make short time
15/7/24, 11:10 am - +Ah Heng: else the wait for national services is long
15/7/24, 11:10 am - +SQ: Yeah and this NDC dentist said I need to make appoint 3 months later to see a specialist..I made a complaint and the head of that NDC dept said
These are MOH approved rates 🙄
15/7/24, 11:10 am - +Rama: Which the rich doesn't have
15/7/24, 11:10 am - +Frankie Wee: Have
15/7/24, 11:10 am - +Frankie Wee: Green card
15/7/24, 11:10 am - +Frankie Wee: There have blue, orange and green
15/7/24, 11:20 am - +Thank You Woman: Oh ya my precisely, my Prince went to the school dentist to make a mould and got vomited twice whole short and short got it….not to let him suffer we went private and was surprised there technology so advanced yet make children suffer 👍
15/7/24, 11:22 am - +Rama: 🤦♂️
15/7/24, 11:32 am - +~l or Smiley face: _...When you expect more, you need to pay more!"_--anonymity_
15/7/24, 11:33 am - +~l or Smiley face: _"In One Injection: The financing of healthcare is a complex and intricate issue that necessitates the collective involvement of various stakeholders,...
15/7/24, 12:36 pm - +REACH: *Dear Contributors*
We want to *HEAR MORE* from you!
💬 *What are your views on Minister Ong’s comments on health insurance? What else can we do to promote a more informed citizenry on healthcare costs?*
We have had good feedback from this group, and we hope that we can keep the discussion robust and active!
Megan 😊
15/7/24, 12:39 pm - +KL: Actually I know where the hole but I not pay . What I can share U got time go to look at all hospitals and take a look will do .the problem is what I see and think may not be same as U due to social status difference <This message was edited>
15/7/24, 1:03 pm - +KL: Include polyclinic and medical centre
15/7/24, 1:11 pm - +Liang Wei: 1) Min Ong's comments need more details. Eg when an insurer collects premiums, was the money invested by them for profits and was that factored into their profit and loss when he mentioned that they don't earn much?
2) When Min Ong says the insurance companies don't earn much from these products, I assume it is after paying their agents and staff. Have these staff costs been escalating very quickly over the years compared to other industries? Think he needs to share data to make his case more convincingly. Overconsumption may just be one of many.
3) Overconsumption. What is the cost of eg a MRI spine ten years ago versus the same test now? If the cost of the same test has risen a lot, then the issue is not just Overconsumption but services planning.
4) Are there plans to limit/manage medical litigation claims which can trigger doctors to order more tests? In some countries, the Gov shoulder a portion of these items so patients don't have to sue as often to get compensation.
5) Is there data to show that in private hospitals for the same condition, doctors order more or less investigations for the same condition? If there is, that gives a sense of overconsumption. If on the other hand, public sector hospitals order more tests for the same condition, then it may well be that the care handing over processes contributed to over ordering. A friend had to be admitted, discharged and then readmitted and wait in a public hospital for surgery for a fracture because of no availability of surgical slot recently. The extra time n cost is not due to overconsumption in this instance.
6) If consumption is reined in to a certain degree, what is the improvement to our premiums that he is expecting?
Overall, am glad that Min Ong is tackling things head on. But it would be good if this focus on overconsumption is part of a broader strategy and if he shares more data to make his case
15/7/24, 1:44 pm - +KL: Actually boil down is the greed of doctors or Dr status <This message was edited>
15/7/24, 1:45 pm - +Rama: And insurance companies
15/7/24, 1:46 pm - +Jimmy Chew: Hahaha every profession has. Maybe School should teach values. Start them young 🌱
15/7/24, 1:46 pm - +KL: LOL now school taught rubbish, not sure about good school if any . U don't believe u go ask the kids about moral. <This message was edited>
15/7/24, 1:47 pm - +KL: Every intern I will ask same question , the ans is loyal is eat shit , volunteer without benefit are fools <This message was edited>
15/7/24, 1:48 pm - +KL: U check how many teachers and regulars start family before even they start teaching and serving ? why they teach ? <This message was edited>
15/7/24, 1:50 pm - +Rama: Cost of living and raising children too high even with subsidies, no quality time
15/7/24, 1:54 pm - +Frankie Wee: Insurance is save life or not enough money? Their option choice
15/7/24, 1:55 pm - +Rama: Margin of premium to coverage possibly too high
15/7/24, 1:56 pm - +Frankie Wee: Retire monthly payout $2.5k (ERS $300k+) deduction expenses spent left balance $1.5k saving
15/7/24, 1:56 pm - +SL: Maybe not… pls consider the equipment price:
https://www.blockimaging.com/bid/92623/mri-machine-cost-and-price-guide
15/7/24, 1:56 pm - +Frankie Wee: Option choice class B ward below half of price from class A ward
15/7/24, 1:57 pm - +Frankie Wee: Those whom don’t want odd class C or D ward without air con
15/7/24, 1:57 pm - +SL: https://www.made-in-china.com/manufacturers/mri-machine.html?acc=8642081837-lxy&cpn=15293010683-&tgt=&net=x&dev=m-&gid=EAIaIQobChMIjvmLpa6ohwMVt8c8Ah375gWsEAAYASAAEgJrnvD_BwE&kwd=&mtp=&loc=9197493-&gad_source=1&gbraid=0AAAAAD81TkrBFHIWk2r8W-SotDiyR0tFT&gclid=EAIaIQobChMIjvmLpa6ohwMVt8c8Ah375gWsEAAYASAAEgJrnvD_Bwe
15/7/24, 1:57 pm - +Rama: Medical expenses must not include air con comfort
15/7/24, 1:58 pm - +Frankie Wee: MRI allow use Medisave deduct fee is $500-$800 equipment
15/7/24, 1:58 pm - +Frankie Wee: SGH govt after subsidy
15/7/24, 1:59 pm - +Frankie Wee: Yes billed separately medical cost
15/7/24, 1:59 pm - +Frankie Wee: There are NDL (non drug list)
15/7/24, 1:59 pm - +SL: Medication price movement for cancer drug?🤔
https://www.fiercepharma.com/special-report/special-report-top-15-best-selling-cancer-drugs-2022
15/7/24, 2:00 pm - +Frankie Wee: With DL conditions seriously affecting side cancer can be most expensive cosy
15/7/24, 2:00 pm - +SL: The basis of pt using equipment such as mri in treatment is? Why expensive equipment is required for? 🤔
15/7/24, 2:01 pm - +Frankie Wee: Machines costly maintenance technician can read body searcher doctor able to find out condition
15/7/24, 2:02 pm - +Frankie Wee: Different X-ray cheap cost but not 100% search body
15/7/24, 2:02 pm - +Frankie Wee: Possible 3D and 4D
15/7/24, 2:03 pm - +Frankie Wee: Sadly I don’t have a choice so let it be and make sure daily healthy choices exercise and eat well <This message was edited>
15/7/24, 2:04 pm - +Frankie Wee: Do not smoke or drink overall regular
15/7/24, 2:05 pm - +Frankie Wee: One life = one litre
🙈
15/7/24, 2:07 pm - +Frankie Wee: Rich and poor are no different
If there survive heart disease or liver failure or kidney disease. Money can’t buy save live sometime must let it go.
15/7/24, 2:08 pm - +Frankie Wee: Doctor are not perfect 100% save even they insurance high premium
15/7/24, 2:08 pm - +SL: https://www.aha.org/costsofcaring
15/7/24, 2:09 pm - +Frankie Wee: Can I ask is there a future possible I called IA?
15/7/24, 2:09 pm - +Rama: AI you mean!?
15/7/24, 2:15 pm - +Frankie Wee: Human’s brain heart and kidney use machine make of AI
15/7/24, 2:16 pm - +Frankie Wee: Half human and half machines
15/7/24, 2:16 pm - +Frankie Wee: https://easy-peasy.ai/ai-image-generator/images/human-robot-hybrid-perfect-balance-technology-biology
15/7/24, 2:17 pm - +Frankie Wee: Have you heard heart save life use replaced machine into body
15/7/24, 2:18 pm - +~l or Smiley face: "Optimising Healthcare Financing"
_"Government intervention in healthcare financing is crucial for ensuring universal access to healthcare, but it's essential to strike a balance between government control and market forces. A well-designed government-funded healthcare system can promote efficiency, quality, and innovation in healthcare delivery."--anonymity_
The rising costs of healthcare, particularly in cancer treatment, pose a significant challenge. While advancements in medications and technologies have improved outcomes, they also increase expenses. Insurance and reinsurance play a critical role in managing risks and providing financial protection to policyholders. The insurance business model has evolved, now employing sophisticated data analytics, artificial intelligence, and machine learning to assess risks, predict claims, and optimise portfolios.
However, the growing number of tests, diagnostics, and treatments can drive up healthcare costs, making it essential to strike a balance between necessary interventions and cost-effective care. Value-based healthcare focuses on outcomes, quality, and patient-centred care, ensuring optimal protocols and case-by-case management.
Let's put it straight, _*"You need to pay for your consumptions!"*_
15/7/24, 2:18 pm - +SL: https://group.pingan.com/media/perspectives/a-new-model-of-healthcare-services-in-China.html
15/7/24, 2:18 pm - +~l or Smiley face: Hello SL ...long due!
15/7/24, 2:20 pm - +SL: Hi ~I , i long time dint appear, busy with some stuff. 🙏
15/7/24, 2:20 pm - +Frankie Wee: I heard China doctor are paid cheap because they don’t have high cost of living
(Example Xi leader salary US$15k annual)
15/7/24, 2:21 pm - +SL: That economic environmental topics which may be out of our reference. 😅
15/7/24, 2:24 pm - ☸️ Danny 心:
1. !stly I want to address the issue of :-
Whether private hospitals/private clinics charges are cheaper than public hospitals//polyclinics - based on :-
a. What I know - based on my relatives experience in private hospitals/private clinics vs public hospitals//polyclinics
b. What I have used and experience
c. My relative who is a doctor
d. I search the web to compare private hospital/clinics charges are multiple times that of public hospitals//polyclinics -
2. I hope the correct facts are established and not misled the forums - because if the discussion are based on untrue facts - then participants and government will be misled.
15/7/24, 2:24 pm - +Jimmy Chew: Oh but they have perks. Like I heard in US senator paid low but got other perks. Trump paid $1. But the amount of time he travel travel to Mar a Lago hahaha is costing tax payers money
15/7/24, 2:25 pm - +Jimmy Chew: Government not do dumb I hope,🤣
15/7/24, 2:25 pm - +~l or Smiley face: Communism vs Capitalism
15/7/24, 2:25 pm - ☸️ Danny 心: <Media omitted>
15/7/24, 2:26 pm - +Rama: 🤷♂️
15/7/24, 2:26 pm - +Jimmy Chew: Yeah. In China corruption is death or disappearance . In Singapore jail time or suicide because cannot take shame
15/7/24, 2:27 pm - +Frankie Wee: Punishment penalty sentence
15/7/24, 2:27 pm - +Frankie Wee: Is there China has Human right
15/7/24, 2:27 pm - +Jimmy Chew: Aiyoh if you work private your aim is to make Money. Public healthcare is to break even or earn less not earn more
15/7/24, 2:27 pm - ☸️ Danny 心: <Media omitted>
15/7/24, 2:28 pm - +SL: Govt healthcare institute subsidies sgprean, mot sure about private do the same.
15/7/24, 2:29 pm - +Frankie Wee: Yes a bit same cost because use CHAS card are in recorded MOH
15/7/24, 2:29 pm - ☸️ Danny 心: <Media omitted>
15/7/24, 2:30 pm - ☸️ Danny 心:
Polyclinic charges $35.
Private clinic $126.
15/7/24, 2:30 pm - +Rama: No
15/7/24, 2:30 pm - +Jimmy Chew: I think it's the mechanism of charging. I remembered I was called by a hospital doctor. I said I saw someone on the report because I was at the pplyclinic. He charged me $50 for tele-consult. I only saw the bills many months later <This message was edited>
15/7/24, 2:31 pm - ☸️ Danny 心:
So it prove that public hospitals and polyclinics are cheaper than private hospitals and clinics.
I hope this right fact is established.
15/7/24, 2:31 pm - ☸️ Danny 心:
"Amid long hours and low pay, junior doctors say more among them are breaking their bonds to move to private sector".
https://www.todayonline.com/features/amid-long-hours-and-low-pay-junior-doctors-say-more-among-them-are-breaking-their-bonds-move-private-sector-2444831#:~:text=Amid%20long%20hours%20and%20low%20pay%2C%20junior%20doctors%20say%20more%20among%20them%20are%20breaking%20their%20bonds%20to%20move%20to%20private%20sector
15/7/24, 2:31 pm - +REACH: 📢 *Topic*📢
15/7/24, 2:32 pm - +Jimmy Chew: Yes because their parents are willing to chip in. Problem of elitism
15/7/24, 2:32 pm - ☸️ Danny 心:
This article further prove that very high salaries are paid to private doctors as compared to public doctors.
Hence private charges are higher.
15/7/24, 2:32 pm - +Jimmy Chew: Yeap. Goes without saying
15/7/24, 2:33 pm - +Jimmy Chew: Free are the volunteer clinic
15/7/24, 2:33 pm - +Rama: Someone subsidised free clinics
15/7/24, 2:35 pm - +Jimmy Chew: I think it's not unhealthy to claim that more insurance companies want to make more and then complaint unreasonable procedure. I think they predicted wrongly and they keep changing their terms to earn more
15/7/24, 2:35 pm - ☸️ Danny 心:
1. As discussed previously, buffet style syndrome without co-payment - will lead to overused by patients and doctors.
I have previously discuss this in this forum - and it is confirm by Minister MOH.
15/7/24, 2:36 pm - ☸️ Danny 心: <Media omitted>
15/7/24, 2:36 pm - +Frankie Wee: Yes that’s right
15/7/24, 2:37 pm - +Jimmy Chew: Estimated 25% of singaporeans are below the poverty line. How can they co-share?
15/7/24, 2:37 pm - ☸️ Danny 心:
Hence I am glad Minister MOH acknowledged this is a problem that lead to escalating healthcare costs - and is now tackling it head-on.
15/7/24, 2:37 pm - +Frankie Wee: No fussy choice whatever cost of living crisis
15/7/24, 2:38 pm - +Jimmy Chew: Government did right by doing preventive measures of making Singaporean healthy
15/7/24, 2:38 pm - +Frankie Wee: Hospital buildings need upgrade in future where money come from collect billed
15/7/24, 2:38 pm - +Frankie Wee: Hospital is not an investment
15/7/24, 2:38 pm - +Rama: A necessity
15/7/24, 2:38 pm - +Jimmy Chew: This message was deleted
15/7/24, 2:39 pm - +Jimmy Chew: From GST
15/7/24, 2:39 pm - +Rama: And other forms of taxes
15/7/24, 2:39 pm - +Frankie Wee: 🤷♂️ where money get from
15/7/24, 2:40 pm - +Frankie Wee: Govt Sector hospitals use taxable money to investment building everything
15/7/24, 2:42 pm - +Frankie Wee: Let me said for rich people who have high premium insurance they enjoy luxury hospital before gone said last wish
15/7/24, 2:42 pm - +Frankie Wee: 😅
15/7/24, 2:44 pm - +Frankie Wee: Doctor said not 100% save life depends on conditions critical.
The patient said please…. I have money pay more
Doctor said no use, please ask God before you can make a donate
God will help you in heaven
15/7/24, 2:44 pm - +Frankie Wee: 🤣
15/7/24, 2:46 pm - +Frankie Wee: Most Singapore common have chronic diseases conditions
15/7/24, 2:46 pm - +Rama: These are getting younger!
15/7/24, 2:46 pm - +Frankie Wee: Yes true
15/7/24, 2:48 pm - ☸️ Danny 心:
Anyone in this forum experience private hospitals are cheaper than public hospitals?
All my private chatgroups say is this a joke?
So our experience is contrary to what one say here - Mount Elizabeth charges much more cheaper than our public hospitals.
Because my previous company send me to Mount E versus my stay in sgh - the charges in mount E is multiple times that of sgh. <This message was edited>
15/7/24, 2:49 pm - +Frankie Wee: My friend give new born baby in Mount Elizabeth hospital
Her husband pay billed total $16k
15/7/24, 2:49 pm - +Frankie Wee: If choice KKH most affordable <This message was edited>
15/7/24, 2:50 pm - ☸️ Danny 心:
So it prove what one say here is not true. <This message was edited>
15/7/24, 2:51 pm - +Frankie Wee: Maybe due inflation high cost
15/7/24, 2:52 pm - ☸️ Danny 心: <Media omitted>
15/7/24, 2:53 pm - ☸️ Danny 心: <Media omitted>
15/7/24, 2:53 pm - ☸️ Danny 心:
Facts don't lie.
15/7/24, 2:54 pm - +Frankie Wee: Wow so comfortable 😅
15/7/24, 2:54 pm - ☸️ Danny 心:
So imagine buffet style in private hospitals - healthcare insurance costs will rise exponentially if government don't do something about it.
15/7/24, 2:55 pm - +Frankie Wee: I believe the same like hotel hospitality <This message was edited>
15/7/24, 2:57 pm - +Terrie Wong: Hotel with medical facilities
Or hospital with hotel facilities?
15/7/24, 2:57 pm - +Frankie Wee: https://www.gleneagles.com.sg/
15/7/24, 3:00 pm - +Rama: Comfortable doesn't cure
15/7/24, 3:00 pm - +~l or Smiley face: *Today's Situations*
Singapore's healthcare system is grappling with significant challenges in controlling healthcare costs. To address these issues, it's essential to implement cost-saving measures, promote responsible healthcare utilisation, and draw lessons from comparative healthcare systems. By doing so, Singapore can create a more sustainable and cost-effective healthcare landscape that benefits all.
We will delve into the current challenges in healthcare, exploring targeted solutions and highlighting successful initiatives through case studies. By examining these aspects, we can:
- Identify key challenges in Singapore's healthcare system
- Discuss targeted solutions for cost control and responsible utilisation
- Analyse case studies of successful initiatives and comparable healthcare systems
- Explore strategies for creating a more sustainable and cost-effective healthcare landscape
15/7/24, 3:00 pm - +Thank You Woman: Too bad we experienced Government hospital so expensive
15/7/24, 3:01 pm - +Frankie Wee: True what I said they enjoy luxury
15/7/24, 3:01 pm - ☸️ Danny 心:
Pse present facts with bills to prove what you say.
We want facts not opinion not base on facts.
15/7/24, 3:03 pm - +Rama: Disagree
15/7/24, 3:06 pm - +Thank You Woman: lol will you keep hospital bill that’s 6yrs ago “S”
15/7/24, 3:06 pm - ☸️ Danny 心:
So no facts to back up what you say?
15/7/24, 3:15 pm - +Andy: 📢 Dear contributor
Thank you for filling up the Telegram migration feedback form! We have begun the Telegram migration process. Please join our Telegram group via the link below. *PLEASE DO NOT SHARE THIS LINK.*
https://
✨ REACH sincerely thanks all our WhatsApp contributors for your valuable feedback and support over the years! We look forward to your continued support and hope to see you at our upcoming engagements! 🙌🏽
15/7/24, 3:15 pm - +Andy: Anyone received this message?
15/7/24, 3:16 pm - +Telephone number: Yes
15/7/24, 3:16 pm - +Frankie Wee: Not yet
15/7/24, 3:16 pm - ☸️ Danny 心:
Yes this is the right link to join telegram.
But should not share your link.
15/7/24, 3:16 pm - +Telephone number: I don't think you were supposed to share the link as it is your own ID
15/7/24, 3:16 pm - +Frankie Wee: When WhatsApp will close?
15/7/24, 3:16 pm - +Telephone number: I suggest you delete this.
15/7/24, 3:16 pm - +Rama: Yes
15/7/24, 3:17 pm - +Telephone number: We will be shuffled and placed in different groups in Telegram.
15/7/24, 3:17 pm - +Rama: How come we are still on WhatsApp!?
15/7/24, 3:17 pm - +Rama: Really!?
15/7/24, 3:17 pm - +Telephone number: They will close it soon once everyone has migrated.
15/7/24, 3:17 pm - +Telephone number: Yes. For example, I am not in Group 2 now.
15/7/24, 3:17 pm - +Andy: Thanks guys. As I'm not sure and don't want to click on any link without confirmation
15/7/24, 3:18 pm - +Frankie Wee: HQ admin call up group when it will ready start and move to telegram
15/7/24, 3:19 pm - +Christmas: There are some bad egg doctors in the healthcare sector who overcharge but that likely forms the minority, and the rest of the doctors are punished for it instead.
A lot of the healthcare costs are not due to the doctors or doctors’ fees, but a lot of the meds, investigations and facility fees. But doctors are the easy targets.
Insurance companies cannot control hospitals or labs or other big organisations that add to healthcare costs, so the easiest is to target doctors who are individuals. The insurers keep questioning care and why the doctor does this or that. Min Ong has given the insurance companies a whip to beat the doctors up.
As an example, drugs dispensed as in patient are multiples of the cost of the drug. As outpatient, the drug could cost $70, but as inpatient, it costs $400. But insurers don’t question this and if they do, the hospitals push back. So in the end, they end up questioning individual doctors with questions like ‘what time did you see the patient?’, then deduct from their fees.
So in general, there are profiteering doctors, but these are the minority. The real profiteers are the hospitals and labs and radiology, etc. And with the repercussions, it’s the doctors and patients who end up suffering.
15/7/24, 3:20 pm - +SL: I am in new group @ tg too
15/7/24, 3:20 pm - +Rama: Oh!
15/7/24, 3:21 pm - +Telephone number: I guess soon we won't be able to vigorously debate, Rama.
15/7/24, 3:21 pm - +Telephone number: You will also be moved to a new group.
15/7/24, 3:21 pm - ☸️ Danny 心:
WhatsApp group maximum is 250.
Telegram group can accommodate 1000.
Hence group number may change and aggregated.
15/7/24, 3:21 pm - +SL: Tg more secure in encryption
15/7/24, 3:22 pm - +Frankie Wee: Min Ong said treat like buffer what they pay unit no end
15/7/24, 3:22 pm - +Rama: Andrew not Rama. Anyway, heard in the past group five very good at hitting others 8n their group previously!
15/7/24, 3:22 pm - +Rama: Yes
15/7/24, 3:23 pm - +Telephone number: Andrew, my mistake.
15/7/24, 3:23 pm - +Frankie Wee: $100k for 65 years total paid in premiums
15/7/24, 3:29 pm - +~l or Smiley face: _Doctors' Roles_
Physicians play a vital role in mitigating the escalating costs of healthcare. By adhering to evidence-based medicine and rigorously evaluating treatment options, they can significantly reduce unnecessary expenditures.
- Ordering diagnostic tests and procedures with judicious discernment
- Prescribing medications and therapies that offer the best value
- Avoiding unnecessary hospitalisations and procedures that drive up costs
- Coordinating care with other healthcare professionals to eliminate redundancies
- Harnessing technology to streamline workflows and minimise administrative burdens
- Prioritising preventive care to prevent costly complications
15/7/24, 3:31 pm - +~l or Smiley face: _Insurance Roles_
It's becoming increasingly challenging to ensure policyholders receive fair coverage under each policy. Insurance companies play a crucial role in providing financial protection for healthcare services by pooling risks, negotiating prices with healthcare providers, and reimbursing individuals for healthcare expenses. Additionally, they can promote cost-effectiveness and quality improvement through utilisation review, case management, and quality improvement initiatives.
However, excessive reimbursement or overly generous coverage for long-term medical care can drive up insurance costs across all age groups, disproportionately affecting the elderly and vulnerable populations. This may lead to higher annual premiums, making coverage unaffordable for those who need it most.
15/7/24, 3:32 pm - +Thank You Woman: lol it’s ok after so many things happened 心知肚明 (your heart knows) is MORE than enough.
15/7/24, 3:32 pm - ☸️ Danny 心:
I hope people don't lie in a public forum.
15/7/24, 3:33 pm - +Andy: For my previous experience as an insurance agent where I helped with a few claims. The difference in private and government hospitals is a world of difference. My late mum died of lung cancer, when diagnosed by mount E doctor the 1st thing he said is have to operate and it'll cost 40k back in 1995. After a year, she relapsed and we went to sgh to see Dr Ang Peng Thiam. By then is stage 4 and he offered 2 options, chemotherapy or just live the remaining time without the side effects of chemotherapy. And Dr Ang was kind enough to help us to change to class c patient so that we won't have to pay a big amount again. Also Dr Ang asked why there is no follow up by the mount E doctor, I told Dr Ang he already went back to Hong Kong. So this is my own mum's case. There are few other customers cases for hospitals claim. I can vouched the difference is a lot.
15/7/24, 3:34 pm - +Thank You Woman: Our president during election was holding the WHO designation. Thereafter when he’s elected then the law changed to president can hold the “position” ……lol
15/7/24, 3:35 pm - +Rama: Perfect timing!
15/7/24, 3:35 pm - +Thank You Woman: Whereas the other guy who’s the founder of Harvey Norman was being slapped in the face that his assets was a combination of few companies so he is. Not eligible.
OBVIOUSLY BIAS
15/7/24, 3:36 pm - +Andy: For insurance shields plan, the commission at my time with NTUC income was 15% for 1st year, 2nd year onwards is 5%. When I moved to AIA, the commission is 15% through out. This was a long time ago not sure about now.
15/7/24, 3:36 pm - +Thank You Woman: 若要人不知 除非己莫为
（of u dun want ppl to know then u dun do even do it)
15/7/24, 3:37 pm - +~l or Smiley face: *Current Challenges in Healthcare*
Singapore's healthcare system faces challenges that need to be addressed. The ageing population, chronic diseases, and lack of patient engagement are significant concerns. Additionally, rising healthcare costs, driven by factors such as healthcare service, medical device, and pharmaceutical costs, exacerbate the issue.
Key Challenges:
_- Ageing Population:_ Singapore's population is aging rapidly, with the proportion of citizens aged 65 and above expected to increase from 13.1% in 2019 to 23.8% by 2030. This demographic shift poses significant challenges for the healthcare system, as older adults require more healthcare services and have higher healthcare expenditures.
_- Chronic Diseases:_ Chronic diseases, such as diabetes, hypertension, heart disease, and cancer, are prevalent in Singapore. These conditions require ongoing management and treatment, placing a significant burden on the healthcare system.
_- Rising Healthcare Costs:_ Healthcare costs in Singapore are rising rapidly, driven by factors such as the ageing population, chronic diseases, and technological advancements.
These challenges necessitate a comprehensive approach to healthcare reform, addressing the root causes of these issues and leveraging innovative solutions to create a more sustainable and cost-effective healthcare system for all.
15/7/24, 3:38 pm - +Thank You Woman: 凡走过必留痕迹
Every step you walk will have traces
15/7/24, 3:39 pm - +Thank You Woman: 问心无愧(conscious clear)
人在做天在看 (whatever we do even we think the god/buddha knows
15/7/24, 3:41 pm - +~l or Smiley face: On future of Digitisation, wouldn't middlemen, aka Agents be obsolete?
Thus the impact will be direct relationships between policyholders and insurers?
Two, will the saving in the middlemen fees help in reducing the Insurance premiums?
Three, it's going to happen sooner than later?
15/7/24, 3:43 pm - +~l or Smiley face: This message was deleted
15/7/24, 3:44 pm - +~l or Smiley face: *Financing of Healthcare*
The financing of healthcare is a vital component of the healthcare system, enabling individuals to access necessary healthcare services and ensuring that healthcare providers are reimbursed for their services. In this section, we will examine the roles of personal responsibilities, doctors, policymakers, and insurance in providing and ensuring the overall cost-effectiveness of healthcare and sustainable financial coverage for all age groups.
15/7/24, 3:45 pm - ☸️ Danny 心:
1. Blanket coverage of all medical expenses will mean very expensive medical premium to be paid by all Singaporeans that many will find it hard to finance.
2. Co-payment will ensure people use hospitalisation wisely and not adopt buffet style medical treatment.
3. Even $100,000 medical fees - 5% is $5,000.
Not a figure that will is exorbitant but ensure people use medical expenses wisely.
15/7/24, 3:45 pm - ☸️ Danny 心:
4. If people want to use private hospital - be prepared to co-pay.
5. Don't expect the whole population to co-finance this small group of privilege people.
15/7/24, 3:45 pm - ☸️ Danny 心:
Also I don't agree that private hospital are more capable that public and restructured hospitals.
In fact, I discovered that doctors and specialists in public hospitals are very competent and my family have benefited from the service of public hospitals.
15/7/24, 3:45 pm - ☸️ Danny 心:
And public hospitals charges are reasonable.
15/7/24, 3:48 pm - ☸️ Danny 心:
My previous comments on buffet style medical treatment.
It is relevant to today's topic.
And hence reproducing it here.
I support the Minister MOH initiatives to keep Singapore overall healthcare costs in check - whether in public hospitals and private hospitals.
👍
15/7/24, 3:48 pm - +Thank You Woman: <Media omitted>
15/7/24, 3:49 pm - +Thank You Woman: 2014
15/7/24, 3:49 pm - +Frankie Wee: Very important for us Older age 50 and above
15/7/24, 3:50 pm - +~l or Smiley face: *Targeted Healthcare Solutions*
To tackle the challenges facing Singapore's healthcare system, targeted solutions can be implemented. Some potential solutions include:
- Personalised medicine
- AI-assisted diagnosis
- Virtual reality therapy
- Predictive analytics
- Community based care
- Gamification and engagement
- 3D printing and bioprinting
- Blockchain for health data
- Remote monitoring and telemedicine
- Value based care
These innovative solutions offer promising opportunities for improvement, but their implementation requires careful consideration, planning, and collaboration among stakeholders. In the next section, we will outline actionable recommendations for stakeholders to address the challenges and opportunities in healthcare financing, ensuring a more sustainable and cost-effective healthcare system for all.
15/7/24, 3:50 pm - ☸️ Danny 心:
Where is the bill?
15/7/24, 3:51 pm - +Frankie Wee: Expensive
15/7/24, 3:52 pm - +Frankie Wee: Govt clinic affordable
15/7/24, 3:52 pm - +Frankie Wee: https://www.snec.com.sg/patient-care/your-clinic-visit/outpatient-consultation-charges
15/7/24, 3:58 pm - +KL: Affordable but can u book a slot ? <This message was edited>
15/7/24, 3:59 pm - +Andy: My concern will be how much premium we need to pay for medishield life and elder shields plan if the premium keeps going up. And whether our medisave will be enough to pay for it.
15/7/24, 3:59 pm - +Frankie Wee: Hard then wait 2-3 months
15/7/24, 3:59 pm - +KL: Thank you , that the answer I am looking for
15/7/24, 3:59 pm - +Andy: U meant polyclinic? Or those specialists clinic?
15/7/24, 3:59 pm - +Rama: Polyclinic is possible through the health buddy app.
15/7/24, 4:00 pm - +KL: Let say polyclininc then
15/7/24, 4:00 pm - +Andy: Yes is always after 10pm then u can book for the next day appointment
15/7/24, 4:00 pm - +KL: yes ah once release 10 min gone liao .
15/7/24, 4:00 pm - +Andy: I'm now in geylang east polyclinic which I booked last night
15/7/24, 4:01 pm - +Andy: Agreed for those popular ones for example Queenstown
15/7/24, 4:01 pm - +KL: is there many paitent and doctors ?
15/7/24, 4:01 pm - +Frankie Wee: Normally polyclinic can make book on time
But for specialists will take longer
15/7/24, 4:01 pm - +KL: is there many paitent and doctors ?
15/7/24, 4:03 pm - +Andy: Yes my is last slot 340pm and the doctor was on time. I'm waiting for urine test result and doctor review again
15/7/24, 4:05 pm - +Rama: I am in group 5 on reach in Telegram
15/7/24, 4:05 pm - +KL: That mean u yesterday login around 10.30 pm if I not wrong but not key polyclinc if I not wrong <This message was edited>
15/7/24, 4:05 pm - +Frankie Wee: Last time I make an appointment Nation skin centre but delay next appointment 2 months. I can’t wait feeling itch eczema. So can’t wait and decide to go private cost me $80
15/7/24, 4:06 pm - +Sh Koh: Appt in public hosp normally super long wait.
15/7/24, 4:06 pm - +Frankie Wee: Yes
15/7/24, 4:07 pm - +Rama: Stejenn group admin. No more Megan!
15/7/24, 4:07 pm - +Thank You Woman: There was 2 member of parliament had relationship whose the two?
15/7/24, 4:07 pm - +Sh Koh: Also. Why can't medicine be at lower rate. Comparing prices in malaysia and Sg. I think many items are way overprice.
15/7/24, 4:07 pm - +Rama: Former speaker of parliament and a female tampines mp
15/7/24, 4:07 pm - +Thank You Woman: They are given chance to be seperated however even give chance also continue
15/7/24, 4:08 pm - +Thank You Woman: I thought once u r wrong means u are wrong no “Ignorance” of law haha
15/7/24, 4:08 pm - +Frankie Wee: In future self medical that you have been to doctor before which usually purchase outlet physical pharmacy.
Doctor told me if specialist will take longer. Common medical you buy outlets
15/7/24, 4:09 pm - +Andy: Agreed especially those non urgent case. Again I have experienced very fast appointment as the polyclinic doctor thinks my situation is serious enough to get the appointment next week. My case was low heart rate and high blood pressure.
15/7/24, 4:11 pm - +JC: 1) *Insurance as a driver of rising costs* - this is only partially true and quite misleading.
Singapore's economy has grown significantly in the past few decades, driving all cost inputs into health - including labor, land, technology, etc. these costs will increase whether we have private insurance or if we pay through other funding programs. At the same time, scientific advancements in healthcare has exploded in recently decades - with more expensive (and also much more effective) treatments becoming available. These costs will go up whether we have private insurance or not.
At the same time, while costs are increasing - the average income of Singaporeans have also increased significantly in the past few decades. This means that more Singaporeans are able to afford the more expensive insurance premiums that are being charged by our insurers - in exchange for better quality healthcare (e.g. less wait time, choice of specialist, etc.).
Furthermore, Singapore's private insurance market is quite fragmented for such a small country and lacks economies of scale. Our declining birthrate also means that a smaller proportion of total insured base are healthy, working individuals - which of course will drive up premiums.
While there has been many talk about the "buffet syndrome" and how bad it is, I have yet to see actual figures/data that demonstrates the size of the problem and that solving this problem will necessarily address our issues. If the govt would like to build trust with the people, I would strongly encourage that more data be released so that educated members of the public can scruitinize the analysis and understand the logic/rationale behind the policy move.
15/7/24, 4:12 pm - +Frankie Wee: If those whom adults having flu, cough, fever is common so buy outlet self medicine 💊
Don’t have to waste time going clinic if long queue
15/7/24, 4:12 pm - +Frankie Wee: But how to claim MC 😔
15/7/24, 4:14 pm - +Sh Koh: Some company covers these benefit as company welfare. So doctor just prescribe.
15/7/24, 4:14 pm - +REACH: 📢 *Topic*📢
15/7/24, 4:16 pm - +Frankie Wee: https://www.straitstimes.com/singapore/healthcare-professionals-explore-ways-to-tap-artificial-intelligence-in-patient-care
15/7/24, 4:17 pm - +JC: 2) *Public consultation* - Healthcare financing in Singapore is very complex - as such, I would strongly encourage the ministry to NOT just listen to the advice of a small circle of advisors but consult widely to ensure that a full range of perspectives and broader ideas are considered. Cost of healthcare is not the only consideration here - we need to consider the impact on the number and quality of people/investments that would want to enter the healthcare sector if cost containment measures become too overbearing. This will have the reverse effect of what we want to do - which is to build a efficient, high quality health system, this is affordable. If young people no longer see a career in healthcare as rewarding (e.g. social services), we will face a major backlash with fewer people studying medicine, pharmacy, nursing etc. - remember, these smart young people have options to pursue much more lucrative careers in finance, etc.
15/7/24, 4:17 pm - +Thank You Woman: We see the specialist there hence his fee is the same as Dr Leo Mt E, however the charges for the hospital facilities was expensive
15/7/24, 4:18 pm - +Frankie Wee: Yes
15/7/24, 4:19 pm - +Thank You Woman: Dr Leo said her fees and admission everything is $5K
15/7/24, 4:19 pm - +Thank You Woman: However our insurance only cover till government hospital
15/7/24, 4:20 pm - +Thank You Woman: Hence we go SNEC and admit SGH
15/7/24, 4:20 pm - +Frankie Wee: I wish insurance hospitals plan policy maker lifetime age 85 instead keep rising premiums unit age 100
15/7/24, 4:20 pm - +Thank You Woman: Astonishing when we see the bill was $7K
15/7/24, 4:20 pm - +Frankie Wee: Too old no working and less saving retire why must pay premium expensive
15/7/24, 4:21 pm - +Andy: <Media omitted>
15/7/24, 4:21 pm - +Andy: Now doctor send me to A&E for further check
15/7/24, 4:23 pm - +Frankie Wee: Time to say goodbye insurance premium hospital plan.
15/7/24, 4:23 pm - +Frankie Wee: 😅
15/7/24, 4:24 pm - +Frankie Wee: So I accepted class C ward
15/7/24, 4:24 pm - ☸️ Danny 心:
Pse show bill to proof.
15/7/24, 4:26 pm - ☸️ Danny 心:
Pse show bill to proof.
15/7/24, 4:26 pm - +Frankie Wee: Use Medisave?
15/7/24, 4:27 pm - ☸️ Danny 心:
Also got bill
15/7/24, 4:27 pm - ☸️ Danny 心: <Media omitted>
15/7/24, 4:27 pm - ☸️ Danny 心: <Media omitted>
15/7/24, 4:27 pm - ☸️ Danny 心: <Media omitted>
15/7/24, 4:28 pm - +Frankie Wee: Must go for operation surgery?
15/7/24, 4:28 pm - ☸️ Danny 心:
Same eye treatment in public hospital $105.60.
I didn't photo all the eye scanning shots, only 2 shots.
Go through similar treatment.
Recover already.
15/7/24, 4:29 pm - ☸️ Danny 心:
No need.
Medication good enough.
15/7/24, 4:29 pm - +Frankie Wee: 👍
15/7/24, 4:29 pm - ☸️ Danny 心:
That's why public hospitals doctors are very good.
15/7/24, 4:32 pm - +Thank You Woman: U have hospital bill 10yrs ago if have show me ha ha
15/7/24, 4:32 pm - ☸️ Danny 心:
That's why I only believe in facts and proof.
Mouth say I don't believe.
15/7/24, 4:32 pm - +Thank You Woman: I wanted if they ask LHL if he have proof haha
15/7/24, 4:33 pm - +Thank You Woman: lol u yourself also dun have
15/7/24, 4:33 pm - ☸️ Danny 心:
Isn't the bill attached proof?
15/7/24, 4:34 pm - +Frankie Wee: https://www.channelnewsasia.com/singapore/public-service-division-civil-servants-flexigrow-annual-benefit-medical-dental-well-being-4469671
15/7/24, 4:35 pm - +Thank You Woman: I can go back SGH and ask for it is it necessary to waste my time just to show an “I” lol
15/7/24, 4:36 pm - ☸️ Danny 心:
Better than a liar.
15/7/24, 4:36 pm - +Thank You Woman: Liar like him disgrace
15/7/24, 4:37 pm - +Thank You Woman: My philosophy
15/7/24, 5:04 pm - +~l or Smiley face: This message was deleted
15/7/24, 5:06 pm - +~l or Smiley face: _Current Practices_
_1. Value-Based Healthcare_
A significant shift is underway, prioritisng outcomes and quality over volume and fee-for-service. This approach ensures patients receive comprehensive care, while optimising resources.
_2. Digital Health Technologies Innovative:_ Digital solutions are revolutionising healthcare, enhancing access, efficiency, and patient engagement. Telemedicine, AI, and data analytics are leading the charge.
_3. Social Determinants of Health:_
A growing recognition of the critical role social determinants play in shaping health outcomes has emerged. Addressing poverty, education, housing, and other key factors is crucial for improving overall wellbeing and reducing health disparities."
*Lessons Learned*
_1. Importance of Universal Coverage:_ Many countries have achieved universal coverage, leading to better health outcomes and reduced financial risk for individuals.
_2. Role of Primary Care:_
Strong primary care systems improve health outcomes and reduce costs in many countries.
_3. Need for Healthcare Workforce Planning:_
Ensuring an adequate supply of skilled healthcare professionals is crucial for delivering high-quality care.
_4. Value of Data and Analytics:_
Using data and analytics to track health outcomes and system performance helps identify areas for improvement and optimise resource allocation.
_5. Importance of Patient Engagement:_ Encouraging patients to take an active role in their care leads to better health outcomes and improved patient satisfaction.
_6. Role of Technology:_
Telemedicine, electronic health records, and other digital health technologies expand access to care and streamline clinical workflows.
_7. Need for Ongoing Quality Improvement:_ Regularly assessing and improving quality of care is essential for maintaining high-performing healthcare systems.
_(Note: These are general trends and figures, and specific details may vary depending on the country and context.)_
15/7/24, 5:09 pm - +~l or Smiley face: 15 July, 2024
*Shifting The Paradigm of Tomorrow: Targetted Healthcare to Optimisation- A Patient-Centric Model*
_"In One Dose: The financing of healthcare is a complex and intricate issue that necessitates the collective involvement of various stakeholders, including individuals, policymakers, insurance companies, and healthcare providers. This report will provide a comprehensive analysis of the roles and responsibilities of individuals and policymakers in financing healthcare, with a focus on the importance of personal savings, health promotion, and disease prevention. Through investigating these key aspects, we aim to identify evidence-based solutions for improving the healthcare financing system and promoting better health outcomes. With the present trajectory of the global inflation, the age-old adage rings true! "When you expect more, you need to pay more!"_--anonymity_
15/7/24, 5:22 pm - +Frankie Wee: Will the future make thing difficult for Singaporean who has low income expect more to pay insurance healthcare? On the other handle will govt support more subsidies to them but public hospitals won’t upper class ward without air con.
15/7/24, 5:25 pm - +Frankie Wee: By 2050 hospitals will have developing and better improved health is there a better cost suitable price.
For can’t predict the future but believe something will make better healthcare affordable.
15/7/24, 5:31 pm - +Frankie Wee: https://www.channelnewsasia.com/cna-insider/reasons-watch-series-dying-alone-singapore-elderly-lonely-deaths-4459596
15/7/24, 5:32 pm - +Frankie Wee: Sad how they dead alone at home even they have enough saving money.
15/7/24, 5:32 pm - +Rama: This message was deleted
15/7/24, 5:43 pm - +~l or Smiley face: Subsidies.
15/7/24, 5:43 pm - +~l or Smiley face: This message was deleted
15/7/24, 5:45 pm - +~l or Smiley face: It's real and going forward as our society ages, we need to look out for each other. That means our circle of friends, colleagues and neighbours!
15/7/24, 5:46 pm - +REACH: 📢 *Topic*📢
15/7/24, 5:46 pm - +~l or Smiley face: The first checkpoint, let's earmarked 2030, followed by 2040.
15/7/24, 5:58 pm - +Frankie Wee: Hopefully 🙏
15/7/24, 6:24 pm - +Khuan Yew: I’m confused by Minister Ong’s statement where he seems to blame consumers for having a buffet mentality. For those that go to the public hospitals, it is not that easy to ask for all sorts of tests. There is no “buffet” at public hospitals. So I assume he is referring to insurance plans that cover private medical treatment. It is not clear in his statement how this increases the cost of healthcare at public hospitals.
15/7/24, 6:24 pm - +Rama: I sincerely hope so!
15/7/24, 6:40 pm - ☸️ Danny 心:
He refer to private hospitals.
Indeed there are buffet style in the private hospitals.
15/7/24, 6:41 pm - ☸️ Danny 心:
That's why the charges are so exorbitant.
And need to rectify.
15/7/24, 6:48 pm - +REACH: *Dear Contributors,*
⏰ We will be closing the chat in *15 minutes* ⏰
Thank you very much for being part of our WhatsApp chat and participating actively.
Goodnight!
Megan 😊
15/7/24, 6:50 pm - ☸️ Danny 心: <Media omitted>
15/7/24, 6:52 pm - +Frankie Wee: IP can be public or private there two type plan
15/7/24, 6:52 pm - ☸️ Danny 心:
Only private hospitals will do this.
Public hospitals won't do this.
Appropriate treatment - not over treatment.
Public hospitals also don't ask whether you take up insurance or not.
Private hospitals will ask and overtreat.
15/7/24, 6:52 pm - +Frankie Wee: I see
15/7/24, 6:53 pm - ☸️ Danny 心: <Media omitted>
15/7/24, 6:53 pm - ☸️ Danny 心: <Media omitted>
15/7/24, 6:53 pm - +Rama: Agree
15/7/24, 6:53 pm - ☸️ Danny 心:
Hence I applaud Minister MOH efforts to rein in the unhealthy practices and curb the escalating runaway healthcare costs.
15/7/24, 6:54 pm - +Frankie Wee: Why nurse need to ask before go in hospital
15/7/24, 6:55 pm - +Rama: Payment issues
15/7/24, 6:56 pm - +Frankie Wee: Actual I checked public hospitals will transfer to private hospitals billing paid 60% of claim before agreement price
15/7/24, 6:56 pm - +Andy: Ya totally agree with the unnecessary tests or procedures. I'm now in CGH to check on a possible kidney infection only a blood test is called and I'm on antibiotics drip.
15/7/24, 6:56 pm - ☸️ Danny 心:
Else all the Singaporeans are paying big premium to subsidize a few privilege people to abuse the use of overtreatment and unnecessary treatment in private hospitals.
This is what MOH want to curb and I hail the move. <This message was edited>
15/7/24, 6:56 pm - +Frankie Wee: They have high premium insurance claim more than instead asking
15/7/24, 6:58 pm - +Frankie Wee: Must be insured big issue policymakers
15/7/24, 6:58 pm - +Andy: My father in-law is a pioneer. When he goes for dental, the clinic will get him to do all sorts of procedures since he no need to pay.
15/7/24, 6:59 pm - ☸️ Danny 心:
This is human nature.
When he knows he can be "kertoh", private hospitals will "kertoh" him - because it is buffet style.
15/7/24, 6:59 pm - +~l or Smiley face: <Media omitted>
15/7/24, 7:00 pm - +~l or Smiley face: *Additional Quantitatively Methods*
_(For our Policymakers, Healthcare experts, Academia and Individuals)_
I. Basic: A mathematical model for optimising costs and patient-centric care.
_Variables:_
1. Patient characteristics (age, health status, preferences)
2. Treatment options (medications, surgeries, therapies)
3. Resource utilisation (hospital beds, medical equipment, staff)
4. Cost structures (fixed, variable, direct, indirect)
5. Quality metrics (patient satisfaction, health outcomes, readmission rates)
*Cost Optimisation Model*
Minimise:
∑ (Cost_direct + Cost_indirect) / Patient_satisfaction
_Variables:_
1. Patient_satisfaction ≥ Target_satisfaction
2. Health_outcomes ≥ Target_outcomes
3. Resource_utilisation ≤ Available_resources
4. Cost_direct + Cost_indirect ≤ Budget
*Patient-Centric Model*
Maximise:
∑ (Patient_satisfaction + Health_outcomes) / Cost_total
_Variables:_
1. Patient_satisfaction ≥ Target_satisfaction
2. Health_outcomes ≥ Target_outcomes
3. Resource_utilisation ≤ Available_resources
4. Cost_total ≤ Budget
II. The following two refined models incorporates more specific variables and constraints to better capture the complexities of healthcare cost optimisation and patient-centric care and system to system.
*Refined: Cost Optimisation Model*
Minimise:
∑ (C_t + C_o + C_p) / (PS_t + HO_t)
_Variables:_
1. PS_t ≥ T_PS
2. HO_t ≥ T_HO
3. RU_t ≤ A_R
4. C_t + C_o + C_p ≤ B
Where:
- C_t = direct treatment costs
- C_o = overhead costs
- C_p = patient-related costs (transportation, accommodations)
- PS_t = patient satisfaction at time t
- HO_t = health outcomes at time t
- RU_t = resource utilisation at time t
- A_R = available resources
- B = budget
- T_PS = target patient satisfaction
- T_HO = target health outcomes
*Refined: Patient-Centric Model*
Maximise:
∑ (PS_t + HO_t) / (C_t + C_o + C_p)
_Variables:_
1. PS_t ≥ T_PS
2. HO_t ≥ T_HO
3. RU_t ≤ A_R
4. C_t + C_o + C_p ≤ B
Where:
- PS_t = patient satisfaction at time t
- HO_t = health outcomes at time t
- C_t = direct treatment costs
- C_o = overhead costs
- C_p = patient-related costs (transportation, accommodations)
- A_R = available resources
- B = budget
- T_PS = target patient satisfaction
- T_HO = target health outcomes
III. Other pssible mathematical techniques to solve these complex and volatile models.
1. Linear programming (LP)
2. Integer programming (IP)
3. Dynamic programming (DP)
4. Stochastic programming (SP)
5. Machine learning (ML) algorithms
_in progress_
15/7/24, 7:00 pm - ☸️ Danny 心:
But who pay, all the Singaporeans are paying high premium - for the privilege few.
That's why must stop this.
15/7/24, 7:01 pm - +REACH: *Dear Contributors,*
We will be closing the chat for today.
Thank you very much for being part of our WhatsApp chat and participating actively.
Goodnight!
Megan 😊
15/7/24, 7:03 pm - ~ REACH Singapore changed this group's settings to allow only admins to send messages to this group
====
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