SDP’s Alternative Healthcare Plan will Lessen Burden on S’poreans

Do away with the 3Ms (Medisave, Medishield and Medifund) and introduce a single-payer insurance scheme for Singapore’s healthcare system.

This was the main proposal by the SDP which launched its healthcare plan at its office this afternoon.

Presented by its Chairman Professor Paul Tambyah and CEC member Khung Wai Yeen, the SDP said that the 3M system did not meet the healthcare needs of Singaporeans.

Mr Khung pointed out that Medisave is funded by taking a significant chunk from the people’s CPF funds, further eroding savings needed for retirement. At last count, reserves in Medisave stood at $88 billion.

Medishield Life is also lacking in that the deductible is as high as $3,000 which makes it hard for less well-off patients. The scheme also under-insures Singaporeans which is why we have to maintain a large Medisave account of about $50,000 per person.

The fact that numerous packages need to be introduced on an adhoc basis like the Merdeka and Pinoneer packages is evidence of the problems with the current 3M system.

Prof Tambyah said that the SDP Plan would do away with the 3Ms and the funds in Medisave would be returned to the people’s CPF accounts.

These complex schemes would be replaced with the National Health Investment Fund, or NHIF, to which everyone Singaporean contributes an average of $50 a month (depending on income levels) through their CPF. This amount is lower than the current Medishield Life premiums.

The rest of the healthcare budget under the NHIF would be paid for through taxes collected by the government. The NHIF would cover every Singaporean for basic healthcare including accidents and pregnancy.

“This payment from a single source rather than multiple sources from the 3Ms eliminates the present complicated subsidy system,” Prof Tambyah explained.

And how would payments be made under the NHIF?

A patient pays only 10 percent of the hospital bill and the amount is capped at $2,000 per year. The remainder will be paid by the NHIF.

Prof Tambyah said that patients will co-pay hosiptal bills to “emphasise personal responsibility and reduce abuse by providers.”

The SDP Plan differs from the PAP’s system in one crucial aspect. The latter runs hospitals as profit-making ventures which consistently collect surpluses far in excess of the money spent taking care of patients.

“Healthcare is treated like a commodity where people avoid important primary healthcare services because of the costs and end up spending a lot of money treating complications that could have been prevented,” Prof Tambyah said. “As a medical professional, I feel that this is not right. We should ensure that there is equal treatment for all, care based on clinical need and not on ability to pay.”

Details of its policy are spelt out in its paper SDP’s National Healthcare Plan: Caring For All. The paper points out that under the current system, the financial burden is unfairly placed on the people through out-of-pocket payment, Medisave use or Medishield Life premiums.

The SDP is confident that the groundbreaking nature of our Plan will take the nation in the right direction. Its truly universal healthcare approach puts the people’s well-being at the fore and centre of our policy.

The aim is to bring about a healthier, happier populace working hand-in-hand with a compassionate and responsible government to ensure that no one who is in need should ever be denied medical treatment, that the greatness of our society is vouchsafed only by the care we give to the least among us.

A summary of the policy can be read here. The full paper can be read here.

Singapore Democrats

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27 Responses to “SDP’s Alternative Healthcare Plan will Lessen Burden on S’poreans”

  • patriot of TUMASIK:

    There is a MINIMUM before the Medishield Kicks in and much less knowledgable are unaware of this…

    I understand from many elderly or even NOT too elderly that they are normally DISCHARGED from hospital before the MINIMUM kicks in…

    and deductions are made in their MediSAVE and not MediShield where it is paid by a SUPPOSEDLY Insurance SCHEME or is it the PONZI SCHEME that deceives the innocent people??????

    The ART of DECEIT mastered by the People supposes to SERVE you???

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  • Pretext to dig your pocket:

    Utter rubbish. Pay $600 per year to receive maximum cap of $2000 per year. Regardless of paying 10%, the maximum is still $2000 per year capped? What silly nonsense health care plan is that. Bookies can offer better odds that 1 : 3.333 payout.

    “Insurance” needs are to cater for including amongst…. major sickness, major surgery cost example greater than $100,000.00. Do you have a major surgery that is less than $2,222? Dental? KNN, that’s not what we need.

    This plan, at the “PRETEXT”, benefits from the masses to cover small percentage requiring constant medical cares [e.g. dialysis] rather than caring for the citizens in actuality. Its the government duties to provide care for these people in the first place.

    Is the same pot of shits. So, we have to buy separate coverage insurance for major?. In that case, can we opt out of all the silly these plans digging into our pockets?

    I learnt that all “Politicians” cannot be trusted wholesale.

    Yea!, it reduces the greed but it will still be from our pockets.

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  • NotMyProblem:

    As long as PAP is still running the country, you better not sick, the medical bill will kill not your illness!

    WTF these Pioneer and Merdeka Generation Packages, they are just to buy votes. Anyway, don’t let this fools you. Government benefits more from these packages. The PAP just increase the charges on consultation and medications and reduce to normal price and said it was subsidies.

    All those Medical WTF were just to confuse CPF members to pay more to the insurance providers, whoever they are!!

    Only people like Minister Khaw could have $8 heart operation, as well as long leave for fallen from the bed.

    @SDP; hope you can get into parliament to help those people who are now afraid to go to the hospital for their illnesses. They do not wish to die holding the medical bills.

    SDP, I am in the Holland-Bukit Timah GRC.

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  • TOTAL INSINCERITY:

    Fu*cking fake news same as from PAPi “TOTAL INSINCERITY”

    The rest of the healthcare budget under the NHIF would be paid for through taxes collected by the government. :

    In all likeness, the rest will be paid from the pooling up collection from the masses throughout the years and the gov. will effectively pay $ZERO Dollars for citizen cares in this respect.

    With this, do we need any government? Pool up to engage a management company better.

    SDP is similarly not transparent.

    WP and PV better.

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  • LIONS:

    Just like mini$terial pay,MEDICAL COST$ are FLYING into OUTER $pace n will soon be OUT OF REACH of MANY retirees whose CPF will be completeLEE depleted so that PAPist$ need not find the money or force LIQUIDATE the BAD FOREIGB INVE$MENTS to rerurn to us.
    If you look more closely,you can notice that evetything the PAPist$ are doing from CPF TO POFMA is for their OWN INTETESTS.

    sgs who keep dreaming are waiting to be screwed,its just a matter of time;already many have been screwed n many more will be screwed unless both VOTERS N OPPO sgs UNITE.

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  • Mind boggling Game:

    @total insincerity

    The Electricity power sales outlets are similar mind boggling game; Soon you forgotten who to blame for the soaring prices of electricity power when the brain is tricked into believing that you are getting from the cheapest source when in reality the regulated base price is fixed by a single source….

    The Q2 2019 regulated tariff (1 Apr 2019 to 30 Jun 2019) is 24.39¢ per kWh. The “REGULATED” tariff is set by SP Services and reviewed each quarter, according to regulations by the “EMA”.

    I believe vote for PV to solve all these nonsense and allow the market to be truly free benefitting the citizens SINCERELY.

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  • Tax Many Ways:

    Another forms of tax at the Pretext of caring.

    What are “taxes” originally meant for in the first place. What is the Government for?

    The bottom line is…. people still become poorer and poorer.

    SDP is supposed to eradicate all these insincerities and not continue with it by devising it in another form.

    Vote for PV or WP better. No SDP.

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  • Asd:

    Go watch Paul’s video.

    Big Thumbs Up.

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  • Laundering zeros acctability:

    Roy’s persecution for his speculation of CPF status after futile attempts of pleading PAP to come out in all transpaereny of the finacial status n documents. This should have alerted daft Singaporeans of the extreme rage when President Ong requesting the Parliament to submit the nation finacial account for his review, one of the very few executive power of the President. Instead of the DS responding, LKY flew into a hellish rage n declare that it xould take many men year to prepare the document. No public regulatory constitution institutions eg AGO,AGC, Presidential Council uttered a murmur. Many Seniors opined that LKY must be taking about preparing a new set of acct from those which shld jave been annually by AGO like in the world of not very proper vompanies keeping two sets, one for internal use n one for official audit. Not long after the health insurance for all family is made mandatory with premium deducted from CPF supplement with cash if insufficient. This is similar to laundering cpf from private fu’d into the state coffer which pap can use whenever, however n whatever they like with zero like the $28m or hell of lot more on Trump Kim meeting which remained as the greatest political laughing stock for centuries to come. This is greed, the greatest evil but strongly adovocated as a mission of PAP (re DHSlhl advice to SIN on job )!

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  • never trusted pap:

    TOTAL INSINCERITY:
    Fu*cking fake news same as from PAPi “TOTAL INSINCERITY”

    In all likeness, the rest will be paid from the pooling up collection from the masses throughout the years and the gov. will effectively pay $ZERO Dollars for citizen cares in this respect.

    With this, do we need any government? Pool up to engage a management company better.

    SDP is similarly not transparent.

    WP and PV better.

    bro, unable to understand your logic. can explain again? thanks.

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  • Singaporean Kong Come.:

    Pretext to dig your pocket: The CPF has been pre design from the start. They has no worry n can sleep soundly on their job. They know one day U get old n sick. They make U ownself pay ownself with your medisave at limited withdrawal.N still dig your pocket to top the rest up.

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  • TOTAL INSINCERITY:

    @never trusted pap:

    Let’s assume “everyone” meant 3.5M people, each paid $600 per year.
    The collection pool is $2.1B dollars.

    Let’s assume 10% of them claimed $2,000 max = 700M, thus the NHIF reserve in a year average about 2.1B – 700M = 1.4B positive.

    In 5 years the reserves = 1.4B * 5 = $7B positive. The projection is similarly inline with the Megger of billions of positive reserves and assets in the medishield fund.

    So effectively when SDP wrote “The rest of the healthcare budget under the NHIF would be paid for through taxes collected by the government.”, I am taking objection to the purpose and meaning of that statement.

    SDP should eradicate all these nonsense schemes instead of continuing with it.

    Let me ask you if you know how many times of Personal income tax you are paying after LKY reign;?

    Assuming Mr X, based on $4,000 take home pay. Income tax is about $350 per year [based on 2019]

    GST ~ $3800 per year = 3800 / 350 = 10.8 times of income tax
    Medishield ~ $600 per year = 600 / 350 = 1.7 times of income tax.

    Based on just the 2 above, you are paying 1 + 10.8 + 1.7 = 13.5 times of income tax after LKY reign.

    Hence why I said SDP is not transparent. All these are pushing through our pockets through pretexts of caring. SDP not knowing is no excuse. That’s the reason why I said WP or PV.

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  • Politicians Against People:

    I learnt that all “Politicians” cannot be trusted wholesale.

    May I correct the above statement.

    I learnt that all “Politicians Against People” cannot be trusted wholesale.

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  • have u heard insurers lose $:

    Has anyone heard that a insurace lose money? With entire population paying for PAP Govtt healthcare thru CPF at Amt capped/ premium of 10 decreasing to less than 1 with increasing age, PP govt is truly phenomenal. The cabinet will soon be boasting under their cleverly structure plot policy, they have made tremendous economic gain n they deserve huge bonus payout or increase in pay. Perhaps now they will hold back n claim all r fake news n ministers then be prosecutor n judge with no defense only the Cabinet in Parliament becomes temporary court. This is SIN Justice. Constitution can be suka suka changed until they r laws n justice. What has the Honorable Bench n Very Honorable Chief Justice have to say to this ONLY if they voice out. Contempt of Court is reduced to similar to Minister’s Indiachni’s interpretation of Conflict of Interests. But on the other hand what should on kpkb with multimillions a year with no responsibilities n effort. Where in the world has such wonderful thing as SIN Club of Privilege multimillion/multibillionaires with a Primier welcome of membership to PRC mmmbaires!

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  • NO you can't:

    NO!, you can state your “own view” but you cannot “correct” others view. Do you insists yours to be superior like the PAPi?

    Not only “Politicians Against People” but including “Politicians with the People” but are “stupid”, all cannot be trusted wholesale.

    Just look at paying $600 per year and the cap is at $2000 max per year. WTF health care plan is that?

    It’s not health care plan, is diverting their responsibilities of provision of health care to the citizens onto the citizens, that’s how I look at it.

    Politicians Against People:
    I learnt that all “Politicians” cannot be trusted wholesale.

    May I correct the above statement.

    I learnt that all “Politicians Against People” cannot be trusted wholesale.

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  • $2000 max:

    $2000 max is the max that a person pays for his medical bills in one year.

    It is not the max claimable.

    I am not giving any opinion about SDP’s proposal. This is just a clarification of what that $2000 max means.

    TOTAL INSINCERITY: @never trusted pap:

    Let’s assume “everyone” meant 3.5M people, each paid $600 per year.
    The collection pool is $2.1B dollars.

    Let’s assume 10% of them claimed $2,000 max = 700M, thus the NHIF reserve in a year average about 2.1B – 700M = 1.4B positive.

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  • Henry:

    I think they’re are some misunderstanding on the SDP’s proposal on the amount to be paid by patients.

    The proposal is that patients will pay 10% of the hospital bill for each admission. The total amount to be paid by a patient in a year irrespective of the number of admissions is capped at $2k. Any amount above $2k payable by a patient in a year will be fully funded by the NHIF.

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  • Blame SDP:

    Oh I see, the writer should clearly state that the “co-pay is limited to maximum of 2K per year and unlimited sum of claim”. Hey if that is true…. SDP gov may bankrupt Singapore very fast.

    Who is going to stay in Class C anymore… Pay $2k can change kidney or liver regardless of price, those in permanent vegetative state (PVS) can be sustained cheaply almost forever….

    Wonderful!… Vote SDP.

    $2000 max:
    $2000 max is the max that a person pays for his medical bills in one year.

    It is not the max claimable.

    I am not giving any opinion about SDP’s proposal. This is just a clarification of what that $2000 max means.

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  • Fair Comment:

    Single payer Healthcare and how is the tax going to be? 50% to 70%?.

    You take care of your health and you pay less for your healthcare. That is the rule. You eat without caring for your health and ask those who take care of their health to pay for your healthcare is not a right.

    I don’t eat cockles “see ham” because its not healthy but you do because its nice but want me help you foot your hepatitis bill? Even if its not direct payment, using tax payers money to pay for your healthcare is still my money.

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  • James Lee:

    Basically a wonderful and well thought-out scheme which might help rectify all obvious short comings of the government’s “what’s wrong with having more money ” approach to the health care needs of the nation.

    Notwithstanding the above, both the PGs and MGs who are now facing the consequences of dubious policies on CPF,Housing and the Privatization” of our Public Hospitals, have realistically been taken for a rough and damaging ride into their retirement.If the present 4G leaders are sincere in their praise and appreciation for the contributions made by these seniors to nation building,then those in the corridor of power in the govt should help redress this problem by providing without further delays the following to all PGs and MGs:-

    1) Free(ie fully subsidised) basic hospitalisation and health care.The government can save on the usual medisave top ups and medical subsidies.

    2)Because of 1) above,the moneys in their Medisave Account amounting to more than $30,000 can be released to meet their retirement needs.

    3)Unconditionally give a monthly payment of S$500/= to all PGs and MGs to further boost their standard of living for their remaining life span.

    4)Waive all charges and fees for the Singapore Passport for all seniors.

    Those responsible in 4G should do the needful before it’s too late!!!!

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  • Yes! Dont Vote SDP:

    When people got nothing to do, they will go change their kidneys or liver because $2K only !!!

    When everybody every year go change kidney or liver, Singapore sure bankrupt one !!!

    Current system better, you die your business, nothing to do with Singapore.

    Blame SDP:
    Oh I see, the writer should clearly state that the “co-pay is limited to maximum of 2K per year and unlimited sum of claim”. Hey if that is true…. SDP gov may bankrupt Singapore very fast.

    Who is going to stay in Class C anymore… Pay $2k can change kidney or liver regardless of price, those in permanent vegetative state (PVS) can be sustained cheaply almost forever….

    Wonderful!… Vote SDP.

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  • Yes! Dont Vote SDP:

    As a Singaporean you must take care of your own health, it has nothing to do with Singapore.

    Singaporean is not Singapore.

    Singapore has a right to ask Singaporean to give up their lives to protect Singapore.

    But Singaporean has no right to ask Singapore to take care of their health.

    Fair Comment:
    Single payer Healthcare and how is the tax going to be? 50% to 70%?.

    You take care of your health and you pay less for your healthcare. That is the rule. You eat without caring for your health and ask those who take care of their health to pay for your healthcare is not a right.

    I don’t eat cockles “see ham” because its not healthy but you do because its nice but want me help you foot your hepatitis bill? Even if its not direct payment, using tax payers money to pay for your healthcare is still my money.

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  • oxygen:

    @ TOTAL INSINCERITY

    MATE, ME TOO CAN’T SEE THE CONNECTION you are driving at with these numbers in relation to SDP’s proposal

    TOTAL INSINCERITY: Based on just the 2 above, you are paying 1 + 10.8 + 1.7 = 13.5 times of income tax after LKY reign.

    Hence why I said SDP is not transparent. All these are pushing through our pockets through pretexts of caring. SDP not knowing is no excuse. That’s the reason why I said WP or PV.

    And I am not the only one.

    never trusted pap: bro, unable to understand your logic. can explain again? thanks.

    Maybe you could write an article contribution to illuminate better your perspectives?

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  • SDP still not good enough:

    SDP proposal still not good enough lah!

    Ah Kow heart bypass only pay $8. Why we must pay $2000.?

    So SDP should limit co-pay to $5 maximum.

    Yes! Dont Vote SDP:
    When people got nothing to do, they will go change their kidneys or liver because $2K only !!!

    When everybody every year go change kidney or liver, Singapore sure bankrupt one !!!

    Current system better, you die your business, nothing to do with Singapore.

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  • oxygen:

    @ Yes, Don’t vote SDP

    YOU PROBABLY HAVE NOT READ THIS little truth – the world is round but not exactly round.

    Nestlé Wants to Sell You Both Sugary Snacks and Diabetes Pills

    https://www.bloomberg.com/news/features/2016-05-05/nestl-s-sugar-empire-is-on-a-health-kick

    Everything you put into your mouth is poison – from fruit juice for vitamin C to white rice (sugar diabetes) to eggs/butter (high cholesterol) to fish (metals in ocean floor).

    How do you protect yourself from these risks?

    Yes! Dont Vote SDP: As a Singaporean you must take care of your own health, it has nothing to do with Singapore.

    Singaporean is not Singapore.

    Singapore has a right to ask Singaporean to give up their lives to protect Singapore.

    But Singaporean has no right to ask Singapore to take care of their health.

    Or worst still, your aged mother got run over on pedestrian pavement by speed ghost PMD or motorized vehicles – alive but all bone broken and left in permanent vegetative state.

    YOU LIKE TO PAY FOR ALL THE HEALTH COSTS WITHOUT STATE HELP IN HOSPITALISATION?

    Not so clever, right???

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  • oxygen:

    @ Yes! Dont Vote SDP

    MATE, YOU PAY TAX (I hope!) in good times and in bad times, you got NO SOCIAL SECURITY SUPPORT in hard times.

    So what do you pay tax for? To build Changi Jewel or T5 for the rich to shop in luxury or travel through glamour hi-tech airport terminal for maximum convenience?

    Or to build more beautiful expressway for the rich tax-avoiding types racing on their highway with their Ferrari & BMW (hope they don’t crash and left paralyzed with broken bones in hospital and permanent disabilities) whilst the poor have to pay for illness of polluted fumes of these congested road traffic on their own resources.

    When the war comes to call for live sacrifice to defend the rich, I am fearful of a repeat of history – soldiers in South Vietnam WON’T FIGHT THE GREATLY OUTNUMBERED VIETCONG FORCES DESPITE SUPERIOR WEAPONRY IN THEIR POSSESSION.

    AND THE NATION IS LOST.

    Not so clever of your perverse logic I would say.

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  • Wasted efforts:

    The SDP suggested policies are generally viable and beneficial to the needy but too bad, no policy maker or MP bothers to consider them worthwhile to propose in the parliamentary discussions. Wasted efforts. The receiving ends will not benefit ultimately.

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