Commentary: To contain spiralling healthcare costs in Singapore, we must remove the original sin

POLITICAL Did

Removing” as charged” or changing it necessarily requires political does because it will be unhappy and provocative.

Most people do not want to compromise and opt for an inferior strategy if they believe a better one is available because care is their life and death issue. Some people end up choosing the less logical and less realistic option because it is an emotional issue.

For instance, 60 % of IP customers choose private medical plans, which are the priciest choice, but the majority of them choose to be treated in government hospitals when they become ill and need treatment.

Even though they already paid for a personal strategy, for the majority of them, a government clinic was adequate.

In the same way, the lot does not require the full functions that go with an” as charged” program. What may work similarly may be a less expensive strategy with limitations on what can be claimed. It would be a plan with a comprehensive list of procedures with different say limits for each, not just” as charged,” as it were. &nbsp,

My suggestion is to eliminate the” as charged” protection in IPs where MediSave resources are being used.

However, they should be entitled to this policy if they want to continue receiving it as part of a higher-end plan and are willing to pay the premiums. Just do n’t make it part of a national scheme for the majority. &nbsp, &nbsp, &nbsp, &nbsp,

This method of instantly addressing the issue is much more effective than the fragmented remedies that have been tried in recent years.

Restricting the selection of physicians in prescribed sections, as an example, is a patchwork method.

This was introduced to reduce expenses, but it quickly raised questions about how the selection of doctors was done and what happens when no members of the board are ideal.

For some patients, the physicians treating them were not even on the screen. &nbsp,

Another example: In 2018, the officials disallowed the order of users that compensate for the entire amount of the patient’s expenses.

Users are only apparent ties to the main item, which is the” as charged” program. Instead of its sidekick, would n’t it be more effective to deal with the main culprit? &nbsp,