Compared to Taiwan, our Medisave and medishield seem like gross failures

Click to enlarge

In an article Channel NewsAsia wrote yesterday, it talked about a Ms Serynn Guay who said that “one of her worries is “unpredictable” healthcare bills”.

She said: “We don’t know how much we’ll need when we’re older … Will we be able to retire comfortably? Will our savings be enough?”

She added: “It’s likely that we’ll continue working for at least the next two decades. Even after my child completes university, we still need to continue saving for retirement and other living expenses.”

I just want to let you know what it is like in Taiwan.

In Taiwan, healthcare is free and for someone who starts work today and works for 40 years, he/she would be able to retire with at least 60% of his/her salary, under the current national health and retirement schemes.

As such, the worries that Singaporeans have are not felt in Taiwan. People know they can see a doctor when they are unwell and receive quality healthcare. They do not need to be scared, or choose not to see a doctor because they cannot afford it.

People also know that when they reach retirement age, they can retire and many of them do actually look forward to retirement, because they can actually retire.

In Singapore, Singaporeans pay tax and also into Medisave and MediShield, and they pay a hell lot of money into these, but they still have to be scared about seeing a doctor, and many therefore choose not to do so.

To give you the context, in Taiwan, employees only pay about 1% plus of their wages into health insurance, and they get free healthcare. In Singapore, we pay 8% to 10.5% of our wages into Medisave but we still cannot get free healthcare. Instead, we still have to pay for one of the most expensive out-of-pocket expenditure for healthcare.

In Singapore, we pay 37% of our wages into the CPF retirement fund, but we still cannot be guaranteed a fixed minimum amount of retirement funds. In 2011, the median CPF payout was only S$260 and in 2014, the median CPF payout was only S$394. Compared to median wage, the payouts are only 10% of median wage.

In Taiwan, the Taiwanese pay a small amount of their wages into the national schemes to receive free healthcare and guaranteed retirement.

In Singapore, Singaporeans pay one of the highest contributions in the world into Medisave and and the highest contribution into CPF, but still have to pay for one of the most expensive out-of-pocket healthcare and cannot even be guaranteed retirement, and in fact, earn one of the least adequate retirement funds around.

Sure, the Taiwanese earn lower wages but what this means is they cannot travel as much as they would want to.

In Singapore, we think that Singaporeans earn higher salaries but do you know that there are still Singaporeans who earn lesser than the minimum wage in Taiwan, and for the bottom 30% to 50%, they might not even be able to save as much as the Taiwanese and might be worse off. Singapore’s wages are only truly “high” among the top 20% to 30%.

What low-income earners in Singapore earn is lower than the minimum wages in all the Western European and Anglo-Saxon countries and in Japan and South Korea, where the cost of living is similar. Singapore’s median wage is also lower than almost all the Western European and Anglo-Saxon countries. And so, many Singaporeans have to live like Ms Serynn Guay quoted in Channel NewsAsia’s article, who have to worry incessantly about basic social protection.

In Taiwan, I earn lower wages so what I miss is being able to travel to further away places for holidays. But what I gain is the peace of mind that when I fall sick, I can see a doctor or go to the hospital anytime because even I, a foreigner, is covered under the National Health Insurance scheme, and am able to obtain free healthcare. And if I am Taiwanese, I would be able to know for sure that I can retire.

Needless to say, if you are in one of the Western European countries, or in countries like Canada, Australia and New Zealand, not only are wages high, but the social protection citizens are able to enjoy means that in their societies, they are able to truly have a good quality of life.

Reason why Singaporeans can’t? You don’t push back against the PAP. Many Taiwanese ask me: why do Singaporeans take this sitting down, all the crap that the PAP is doing to them?

I say: because they don’t dare to protest. Because we are scared.

And so, we continue fearing for our lives, when we could have the world.

 

Roy Ngerng

 

 

 

Sponsored Content

32 Responses to “Compared to Taiwan, our Medisave and medishield seem like gross failures”

  • Boh Kia See:

    When the channels of mass communication are owned by the PAP, then you will always hear the good things about the PAP. So if you keep hearing the good things about the PAP, then you will automatically vote for them. That is logical. that is why dictators all over the world want to control all the news and television outlets in their country.

    With the internet, such controls become harder to achieve. So people are hearing the other side of the story. However, it would require educated people with access to computers and be computer literate to open up to differing opinions.

    If you analyse the news from the “leeders” in the PAP these days, it is always about the glories of the past. Very little new thinking is devoted to the present and the future. When people keep talking about the past then you know it is because there is no future to hope for. You often hear Ah Kongs talking about “when I was young…I did this….” but you rarely hear them talk about “tomorrow I will do this or that…”. The PAP is in that stage of life where they can only talk about the past. There is no future in the PAP.

    So Singaporeans can look forward to years of deprivation, unemployment, and suicides if they continue to vote for the PAP.

    VTO—we can do better than this lot.

    GD Star Rating
    loading...
  • why suffered in silence:

    Even Malaysia has a much better health care system, really care about citizens,than Sinkapore. I fully agree with you that Sinkies have something missing in between their legs, fear for everything. They continue to be in denial and oblivious to what their future generation would be facing. Who would vote for a callous gahmen except sinkies. Here in this unique planet, you can die but cannot fall sick, how pathetic. Hope that more will wake up from their deep slumber come this GE, just hope!

    GD Star Rating
    loading...
  • The Educated Dafts:

    The stark difference is that their people had voted to change the Taiwan government a few times, keeping the ruling parties on their toes and extracting accountability, at least the issues that mattered are voiced.

    The result is, rather than based on trust, the Taiwanese voted for results and made the government worked for them, which should be in the case for people of many other countries in the world.

    GD Star Rating
    loading...
  • Tom Lee:

    Singaporeans should stop using the term “Saving for Retirement”. In Singapore there is no retirement for the majority. It is working to survive, until you die.

    GD Star Rating
    loading...
  • MarBowling:

    Great article by Bro Roy.

    For most Sinkaporean esp the 80% of the population consisting MOST of the common folks WHO from starting working life till they kick the bucket, they ACTUALLY OWNSELF FINANCE OWNSELF. SO What are THE OWNSELF FINANCE OWNSELF STUFFS WHICH COME ABOUT thru the various schemes of the things SNEAKILY thought out by the MasterMind(MM)?
    1. Purchase of Artificially Highly inflated prices of New and resale based on “market rates”. Those MF call these flats as “AFFORDABLE and HEAVILY SUBSIDIZED”. The BULK of the purchaser’s CPF is DEDUCTED upon signing on the dotted line, LEAVING PEANUT$ for the Medisave and Retirement ACCs!
    2. Medisave aka MediShit and MediShield aka MediShift ARE COMPULSORY LOCK-UP Accs. Unless one is seriously ILL that need hospitalization and LOONG term health care, and if a HEALTHY person kicks the bucket w/o using a single cent from these Accs, and unless the NOK cum nominee write in to request for CASH payout, ALL the CPF amounts from the DECEASED go straight to the respective CPF accounts of the nominee…call SMELL only BUT cannot USE! This cycle of passing from one to another goes on and one and on!
    3. Retirement and Minimum sum scheme of things. The ORIGINAL and NOBLE AIM of CPF and PENSION funds IS MEANT to TAKE CARE Of THE NEEDS for those of us who start working till we retire at age 55! Period. Over the years, the MM started his SNEAKY plan of shifting the Withdrawal CPF age from 55 to you know WHEN! First he came out with the later withdrawal plan then followed by the Sneaky Minimum Sum stuff. All these schemes AFFECT GREATLY the WORKING LIFE of common folks. The filthy rich and the Ruling Class and their top gun$ who command obscene $millions salarie$$$$$$(10-20% of the population) are definitely NOT AFFECTED! Whether it’s Medisave, MediShield, MinimumSum, It’s PEANUTS to them.

    Looks like this the KIND OF Government most 69.9% WANT, when MOST of the NEEDS and CONCERN of the 80% of the POPULATION are to OWNSELF FINANCE OWNSELF aka OWNSELF TAKE CARE OWNSELF FROM BIRTH TO DEATH”! Like that it means the fiacking JOB of the Coverment is just to take care of the 20% only….the MOST EASIEST JOB ON PLANET EARTH! No wonder this Coverment is the ENVY of OTHER countries. And yet ex-seatwarmer Woody got the cheek to say that NO talented people want to JOIN the Coverment!

    GD Star Rating
    loading...
  • rukidding:

    Bottomline conclusion….Pap “must go” !

    GD Star Rating
    loading...
  • Bapak:

    Taiwanese soldiers will fight and die for the country. Their soldiers know if they are injured, they get free medical service. In Singapore? Use your own Medisave or Medishield? Not enough how? Enough also cannot use all. Not worth it. Who are we protecting? FTs! We are shortchanged.

    GD Star Rating
    loading...
  • 格凌兰:

    乱说的!

    台湾目前的医疗退休制度是不能持续的!

    据了解,如果不大刀阔斧的改革,台湾为劳工建立起来的劳保制度到2027年就会破产,永远翻不了身。

    如果要这制度持续下去,改革的方向必然是导至退休后的所得大大减少,现在必须缴纳的款额就必须大大提高。所以,台湾现在还没有政党敢踏出改革的第一步。

    不懂台湾却要说台湾,哈哈哈!

    GD Star Rating
    loading...
  • Christopher Bong:

    I have always said that Singaporeans are timid like sheep. Too afraid of changes and not wanting to rock the boat. They deserved to get what they stupidly voted for.

    GD Star Rating
    loading...
  • Kingdom:

    Singaporeans are tht most stupid creatures in the whole world. That’s a;;/

    GD Star Rating
    loading...
  • Asd:

    Roy.. you only say half truth.. there are people paying themself well and this is not a problem for this group of people you no say… so you cant say whole of nation is in this predicament… ha ha..

    GD Star Rating
    loading...
  • 格凌兰:

    Bapak:
    Taiwanese soldiers will fight and die for the country. Their soldiers know if they are injured, they get free medical service. In Singapore? Use your own Medisave or Medishield? Not enough how? Enough also cannot use all. Not worth it. Who are we protecting? FTs! We are shortchanged.

    又是一个胡说八道的!

    自从小蒋移民阴国,李登辉接过领导权之后,台湾的军队就有“不知道要孝忠谁,不知道要为谁打仗”的困扰!

    GD Star Rating
    loading...
  • NotMyProblem:

    Christopher Bong:
    I have always said that Singaporeans are timid like sheep. Too afraid of changes and not wanting to rock the boat. They deserved to get what they stupidly voted for.

    I just don’t understand how Singapore voters are afraid of voting PAP out! PAP itself is not afraid at all. It has 40% guarantee voters from new citizen and 10% votes from those treated PAP as oxygen. So minimum PAP already got 50%.

    Why I say PAP is not afraid? PAP already tell you before the GE there will be 2% GST increase, carbon tax, sugar tax and etc. If PAP is afraid you think it would tell you all these? It is a challenge to you Singaporeans. The massage is “what can you do?” !!

    If PAP is not afraid, why should Singaporeans be afraid?!!

    So my conclusion is that Singaporeans are not afraid but just plan stupid!!!

    GD Star Rating
    loading...
  • WhyWeSoLikeDat?:

    How did sgs end up like cowards?
    This is a question we have to ask ourselves.
    One is the 50 year rule with fear factor.
    If not Fine, jail or both.
    So much of suppression that people have become afraid to think for themselves.
    They just let the G tell them what to do.
    We truly need to sit back and access this phenomena thats uniquely SGs.

    GD Star Rating
    loading...
  • Greater & lesser mortality:

    Of the people, by the people, for the people… Class war is not the cause of social progress; it is a disease developed in the course of social progress. The cause of the disease is the inability to subsist, and the result of the disease is war.
    - Dr. Sun Yat Sen

    GD Star Rating
    loading...
  • LIONS:

    These are scam$ to $uck poor sgs DRY so the gahmen need not worry about finding the MONEY THEY *OWE* to us?

    My 6 year-old grand-nephew also knows.

    GD Star Rating
    loading...
  • But:

    But Taiwan airline pilots all on strike.

    GD Star Rating
    loading...
  • HarderTruths:

    Taiwanese have balls. $G’s have pussies.

    GD Star Rating
    loading...
  • Grass Mud Mare:

    格凌兰: 又是一个胡说八道的!

    自从小蒋移民阴国,李登辉接过领导权之后,台湾的军队就有“不知道要孝忠谁,不知道要为谁打仗”的困扰!

    偉大的台灣國軍、自由民主的捍衛者、保國衛民的正義之師

    https://www.youtube.com/watch?v=-tN6aMsItkE

    GD Star Rating
    loading...
  • Grass Mud Mare:

    格凌兰:
    乱说的!

    台湾目前的医疗退休制度是不能持续的!

    据了解,如果不大刀阔斧的改革,台湾为劳工建立起来的劳保制度到2027年就会破产,永远翻不了身。

    如果要这制度持续下去,改革的方向必然是导至退休后的所得大大减少,现在必须缴纳的款额就必须大大提高。所以,台湾现在还没有政党敢踏出改革的第一步。

    不懂台湾却要说台湾,哈哈哈!

    如是利益人民百姓而破產, 值得!
    國以民為本, 黨以民而存!

    GD Star Rating
    loading...
  • Pro Ah-long Party:

    If I were PAP, I will make Singaporeans the minority. A country needs strong people, not the kia see, kpkb in coffee shops types, give them some election goodies, and they take the bait, time and time again.

    GD Star Rating
    loading...
  • 格凌兰:

    Grass Mud Mare: 偉大的台灣國軍、自由民主的捍衛者、保國衛民的正義之師

    https://www.youtube.com/watch?v=-tN6aMsItkE

    伟大的台湾国军,勇敢的台湾国军,好感动!

    但是。。。。
    南沙的敦谦沙洲是怎样丢的?
    南沙的中业岛是怎样丢失的?
    日本人的军舰在台湾近海追赶台湾渔民时,台湾国军在那里?
    台湾渔民在钓鱼台被日本人捕抓时,台湾国军在那里?
    台湾渔在兰嶼附近被菲律宾人枪杀时,台湾国军在那里?
    。。。。。。。。????

    GD Star Rating
    loading...
  • 格凌兰:

    Grass Mud Mare: 如是利益人民百姓而破產, 值得!
    國以民為本, 黨以民而存!

    神罗辑!

    一个不理智的制度拖垮一个国家还在得意洋洋的自我感觉良好!

    太可怕了!

    GD Star Rating
    loading...
  • Grass Mud Mare:

    格凌兰: 伟大的台湾国军,勇敢的台湾国军,好感动!

    但是。。。。
    南沙的敦谦沙洲是怎样丢的?
    南沙的中业岛是怎样丢失的?
    日本人的军舰在台湾近海追赶台湾渔民时,台湾国军在那里?
    台湾渔民在钓鱼台被日本人捕抓时,台湾国军在那里?
    台湾渔在兰嶼附近被菲律宾人枪杀时,台湾国军在那里?
    。。。。。。。。????

    今天的台灣國軍也應同於70年代時期把為避颱風而把敦謙沙洲中業島“丟失”的台灣國軍吧!
    那,別愣了?就武統吧?

    日本硬把海礁當海島來實行200裡經濟海域而追趕台灣漁民, 要台灣國軍用武?
    釣魚台問題不靠外交政治, 而是要台灣國軍以武力解結?
    台灣漁被菲律賓人槍殺之後,台灣海巡署巡防艦護漁不行, 硬要台灣國軍動武?

    台灣國軍是這樣用的嗎?
    別忘了,要令台灣國軍要出戰可沒老鄉那裡那麼簡易方便哦!

    GD Star Rating
    loading...
  • Grass Mud Mare:

    格凌兰: 神罗辑!

    一个不理智的制度拖垮一个国家还在得意洋洋的自我感觉良好!

    太可怕了!

    在一人一票民選制度,還不算是理智,還真能“拖垮”一個國家,那是民意,沒話說.
    在一票人終身免選制度,還能算是理智,還真不“拖垮”擴大基層人民,那是才神羅輯,也可怕到沒話說.

    GD Star Rating
    loading...
  • 格凌兰:

    Grass Mud Mare: 今天的台灣國軍也應同於70年代時期把為避颱風而把敦謙沙洲中業島“丟失”的台灣國軍吧!
    那,別愣了?就武統吧?

    日本硬把海礁當海島來實行200裡經濟海域而追趕台灣漁民, 要台灣國軍用武?
    釣魚台問題不靠外交政治, 而是要台灣國軍以武力解結?
    台灣漁被菲律賓人槍殺之後,台灣海巡署巡防艦護漁不行, 硬要台灣國軍動武?

    台灣國軍是這樣用的嗎?
    別忘了,要令台灣國軍要出戰可沒老鄉那裡那麼簡易方便哦!

    草泥蟆,你的神智有大大的问题!

    用军队去护渔,那是许多国家都在做的事,根本就不需要到打仗的程度。况且,在自己领海,经济水域,国际水域保护自己渔民的利益和生命安全是军队的重要任务之一!

    现在的台湾国军还能打仗吗?

    自从阿扁把l服军役期从两年减到一年,再要把徵兵制改成募兵制,台湾国军素质已快速滑坡。再加上废除军法,军纪已蕩然无存。不久前台湾国军就发生过一个普通士兵 触犯军规被少校营长斥责,士兵竟然反呛:你有本事就办我吧!

    我们的老乡爱好和平,也深黯孙子兵法,他们现在要做的是“不战而屈人之兵”。毕竟战争是很残忍的!

    GD Star Rating
    loading...
  • 格凌兰:

    Grass Mud Mare: 在一人一票民選制度,還不算是理智,還真能“拖垮”一個國家,那是民意,沒話說.
    在一票人終身免選制度,還能算是理智,還真不“拖垮”擴大基層人民,那是才神羅輯,也可怕到沒話說.

    不知道勤先生一直要拿台湾来做例子。其实周边有很多比台湾好很多的傍样。不知道是不是他不知道,还是对台湾情有独钟?

    在台湾还有自由民主?

    当80%的台湾人民反对废除死刑的时候,执政民进党却或明或暗的进行废除死刑之实!
    当80%的台湾人民反对同性恋的时候,执政的民进党却或明或暗的在支持同情同性恋!
    当最近的九合一选举显大部份的人民主张以核养禄的时候,执政民进党却公然的把现役核电厂除役!
    当贪汚的前总統还没服完刑期却能用特别关系出獄做自由人的时候。。。。。。
    。。。。。。!!!

    最可怕的是现执政民进党要员竟然说他们是东厂(明朝皇帝的特务机构)对九合一选举要进行政治操作,以期赢得选举。

    台湾还是民主自由的保壘?太可笑了!

    好啊!新加坡的草泥蟆和勤先生却对这样的政治作为很推崇,太好了!

    GD Star Rating
    loading...
  • Lye Khuen Way:

    Great write up, Roy.

    Only one clarification.
    As a Foreigner working there and covered under Taiwan National Health Scheme, do you get totally free medical care?

    What about a visitor, a tourist who needs medical attention?

    GD Star Rating
    loading...
  • Grass Mud Mare:

    格凌兰: 草泥蟆,你的神智有大大的问题!

    用军队去护渔,那是许多国家都在做的事,根本就不需要到打仗的程度。况且,在自己领海,经济水域,国际水域保护自己渔民的利益和生命安全是军队的重要任务之一!

    现在的台湾国军还能打仗吗?

    自从阿扁把l服军役期从两年减到一年,再要把徵兵制改成募兵制,台湾国军素质已快速滑坡。再加上废除军法,军纪已蕩然无存。不久前台湾国军就发生过一个普通士兵 触犯军规被少校营长斥责,士兵竟然反呛:你有本事就办我吧!

    我们的老乡爱好和平,也深黯孙子兵法,他们现在要做的是“不战而屈人之兵”。毕竟战争是很残忍的!

    貴孫子如真能“不戰而屈人之兵”那不虧也是件好事。反正維持現狀,個表個的,自管自的,和樂不為?

    但泥蟆愛草老鄉愛鈔,到時沉不住氣的,借題發揮的,節外生支的,恐怕不是被認為不能打仗的台灣國軍吧?

    GD Star Rating
    loading...
  • Grass Mud Mare:

    格凌兰: 不知道勤先生一直要拿台湾来做例子。其实周边有很多比台湾好很多的傍样。不知道是不是他不知道,还是对台湾情有独钟?

    在台湾还有自由民主?

    当80%的台湾人民反对废除死刑的时候,执政民进党却或明或暗的进行废除死刑之实!
    当80%的台湾人民反对同性恋的时候,执政的民进党却或明或暗的在支持同情同性恋!
    当最近的九合一选举显大部份的人民主张以核养禄的时候,执政民进党却公然的把现役核电厂除役!
    当贪汚的前总統还没服完刑期却能用特别关系出獄做自由人的时候。。。。。。
    。。。。。。!!!

    最可怕的是现执政民进党要员竟然说他们是东厂(明朝皇帝的特务机构)对九合一选举要进行政治操作,以期赢得选举。

    台湾还是民主自由的保壘?太可笑了!

    好啊!新加坡的草泥蟆和勤先生却对这样的政治作为很推崇,太好了!

    没问题呀!,反正不是終身免選制
    現執政民進黨要東廠東廠還是東東東廠的
    民選制度就一人一票当下就把它换掉咯!
    民主自由的台湾就是那么简单的嘛!

    換是老鄉們,哇瞎耶!太可怕了! 想都不敢想
    颤抖啊!
    颤抖颤抖,颤颤颤抖啊!!

    GD Star Rating
    loading...
  • 格凌兰:

    Grass Mud Mare: 没问题呀!,反正不是終身免選制
    現執政民進黨要東廠東廠還是東東東廠的
    民選制度就一人一票当下就把它换掉咯!
    民主自由的台湾就是那么简单的嘛!

    換是老鄉們,哇瞎耶!太可怕了! 想都不敢想
    颤抖啊!
    颤抖颤抖,颤颤颤抖啊!!

    东厂东厂东东东东厂厂厂厂厂厂。。。。。!

    太好了!这个烂的下去,另一个烂的上来。

    这就是为什么台湾会从四小龙之首变成四小龙之尾了!看样子,台湾如果继续再这样玩下去,亚洲四小虎很快的都会超越台湾!

    新加坡真的不好学台湾,天佑新加坡。

    GD Star Rating
    loading...
  • Grass Mud Mare:

    哎喲!唱戲的不唱了,當起了道士和尚起壇做起法來了噢?
    太好了!這個爛下去,看看那一個又爛上來.

    如果當今亞洲四小虎真能超越當時以出口製造組裝業起家的四小龍,
    到時恐怕該天佑的是不是龐大的老鄉素民們啊?

    格凌兰: 东厂东厂东东东东厂厂厂厂厂厂。。。。。!

    太好了!这个烂的下去,另一个烂的上来。

    这就是为什么台湾会从四小龙之首变成四小龙之尾了!看样子,台湾如果继续再这样玩下去,亚洲四小虎很快的都会超越台湾!

    新加坡真的不好学台湾,天佑新加坡。

    GD Star Rating
    loading...
Member Services
Self-SupportMembers Login
Sponsored Advertisement

Search On TR Emeritus
Sponsored Advertisement

Most Recent Comments
  • LIONS: At least,on the ROADS,THE LAWYERS CAN APPLY THE TRAFFIC LAWS REGARDING TEAFFIC OFFENCES IN A CLEAR-CUT MANNER....
  • Regime change is the solution.: What is not right is Singaporeans suffering from an extreme case of Stockholm...
  • Regime change is the solution.: Public services in other countries are privatized so they can be run by better by...
  • LIONS: Yep,pandas n other animals have better life than MANY ELDERLY N OTHER NEEDY sgs. Besides REGULAR MEALS N GOOD...
  • Regime change is the solution.: I am not surprised or sorry for Singaporeans. They got what they voted for. It is...
  • PLPGFws ST justice: ST reported on family Justice. They must be out of their mind n focus as now cabin-ministers are...
  • Went to Japan: Last GE, the young generation voted PAP for a brighter future, guess this is what they have voted for.
  • SIN Daylight Robbers: SIN has been blessed by LKY 70% Daft Singaporeans n the packed of greedy hungry n aggressive...
  • HarderTruths: Pandas are counted as FT’s. So they are always better off than $G locals. $G local will always be...
  • HarderTruths: @ Beware of this $G has always in the past been NEUTRAL to both USA and China. Look up how the old man...
  • HarderTruths: In prison under ISA
  • HarderTruths: Brad – there is nothing ‘sold off’. It is just one pocket transferring the loot to...
Announcements
Advertisements
Visitors Statistic
Latest Statistic
Advertisements