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MediShield Life is a HOAX?

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I was told that in order to be entitled to claim from the Medishield Life Compulsory Government Scheme that I would have to stay for a complete day in the ward and so I did.

But as you can see from the invoice as I have attached, instead of deducting from the Medishield Life Scheme, the hospital chose to dig $450 from my Medisafe Saving instead.

The statement read:
MEDISHIELD / MEDISHIELD LIFE CLAIMABLE AMOUNT COMPUTED IS LESS THAN OR EQUAL TO THE DEDUCTIBLE THERE IS NO PAYOUT FROM MEDISHIELD / MEDISHIELD LIFE.

So, it seems the preference is to dig from the Medisave saving until it dries up. There are so many hidden agenda and conditions that nobody, even the hospital doctor or nurse could reasonably understand how the scheme works, since I was actually advised by them.

So, I charge that either those deductibles are hidden as “Govt Grants” or the entire Medishield Life is but a USELESS PIECE OF HOAX. After paying so much money every year for the stupid scheme, there is ZERO pay-out, not helping the citizen in any way at all. This is entirely cannot be accepted.

Hence the Government must allow Singaporeans to withdraw from such fake and useless scheme. As the invoice had shown, Medishield Life provides ZERO help in time of need.

 

A very unhappy Singaporean

 

 

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30 Responses to “MediShield Life is a HOAX?”

  • Reality:

    Reality is many times it is of not much help when you need it most…Too many conditions and requirements to meet.
    Many tines Policy look good but it is not what it seems when actually implemented.
    Many times can see but cannot touch…quite useless.

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  • MarBowling:

    It’s Medi-Shit for LIFE from Son of a Gan!

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  • TUMASIK Patriot:

    Medishield is claimable upon reaching a minimus sum…one day stay is claimable against Medisave and need not PAY CASH…I went through this deal without KNOWING until I was warded for a longer stay but was Discharged B4 I reached the Minimum sum and they dug into my Medisave…

    $$$$$$$$ Medical & Pharmas are Money Machine NOT service for the Sick lah!!!

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  • TUMASIK Patriot:

    TUMASIK Patriot:
    Medishield is claimable upon reaching a minimus sum…one day stay is claimable against Medisave and need not PAY CASH…I went through this deal without KNOWING until I was warded for a longer stay but was Discharged B4 I reached the Minimum sum and they dug into my Medisave…

    $$$$$$$$ Medical & Pharmas are Money Machine NOT service for the Sick lah!!!

    All that is needed is ONE more Day Stay, I stayed 5 days and Medishield will Lock-In…like Covid 19 they use the Circuit Breaker and Discharged you before Medishielsd Kick In…After going through the Bills it was Just short of +-$100 and MediShield will Pay instead of my Medisave…

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  • TUMASIK Patriot: silly:

    @TUMASIK Patriot:

    You sounded so silly;

    Apply the medisheild Life benefits on the principal sum first;
    then and only then
    apply any Government Grants.

    Otherwise the whole scam looks like to disguise as Government Grants, abusing the process, treating citizens like as stupid and to make them look great but it certainly not.

    With the above explanation, agree you silly or not?

    TUMASIK Patriot: All that is needed is ONE more Day Stay, I stayed 5 days and Medishield will Lock-In…like Covid 19 they use the Circuit Breaker and Discharged you before Medishielsd Kick In…After going through the Bills it was Just short of +-$100 and MediShield will Pay instead of my Medisave…

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  • xoxo:

    Medi$HIT LIE is another big way to $UCK sgs DRY of their CPF as it allows the GREEDY N SPENDTHRIFT GAHmen to INCREA$E MEDICAL FEE$ and lessen their NEED to FIND MONEY to pay back sgs’ CPF.SOME poorer ones may be have to TOP UP their CPF ACs if fallen short?

    This is a DAMN DIRTY TEAM OF GROUP-$UCKERS!!!

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  • Pappy: We're in it for the $$$:

    What sucks your CPF lifetime savings drier still, if your 20-year HDB pigeon-hole mortgage isn’t giving you headaches enough?

    A: Your medisave contributions & the creative scheming that Pappies do with it…..

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  • Something is Wrong:

    According to the online calculator, can claim $1400 from medishield life and $450 from medishield.

    Its completely senseless what it meant by;
    MEDISHIELD / MEDISHIELD LIFE CLAIMABLE AMOUNT COMPUTED IS LESS THAN OR EQUAL TO THE DEDUCTIBLE THERE IS NO PAYOUT FROM MEDISHIELD / MEDISHIELD LIFE.

    Is the government the insurance? or the insurance is the government? By that as it appears in the invoice, Mathematical Manipulation can void the minimum sum by just few dollars isn’t it?. As in the case, the insurance and the calculation appears to be disadvantage to the insured Singaporeans resulting in $450 being deducted from his saving.

    Comparing with Ex Khaw heart bypass at $8, so I think it is a really bad, shoddy and lousy insurance negotiation for the big group citizens from the Top Self-claimed Talented high pay people up there.

    Something is dead wrong. I am sure not to expect the PAPi Minister to be speaking out for Singaporeans but WP should bring this up in Parliament.

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  • A very unhappy Singaporean:

    Update;

    And So,

    I called the payment enquiry line today [6407 8108] waited for 20 minutes, a lady of the CECA accent answered [norma?] who then abruptly transfer to Sengkang, I waited and the tone say….no one answer the line, please leave a message upon the tone…..”

    Efforts and Time wasted. I am sure, complying and leaving the message will be another wasted effort and so I chose to write to TRE instead.

    Is that the high quality of service that the government is talking about?

    Singapore is going down-hill.

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  • Easy come easy go:

    Many of us worked decades and never ever utilised medishield cuz we never got really sick.
    Imagine how much free money this leegalised scam provided to this inept gov.. ..

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  • INSIDE 200m is not within 200m:

    why the 61% voted for the shit is mind boggling.

    it is not the first time they are told of pap lies.

    yet they still voted for the S$m ownself pay ownself folks.

    39% becomes collateral damage.

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  • Do more:

    Many times end up paying cash or use medisave to pay instead of the medical insurance.
    Quite useless when you need it most.

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  • TUMASIK Patriot:

    TUMASIK Patriot: silly:
    @TUMASIK Patriot:

    You sounded so silly;

    Apply the medisheild Life benefits on the principal sum first;
    then and only then
    apply any Government Grants.

    Otherwise the whole scam looks like to disguise as Government Grants, abusing the process, treating citizens like as stupid and to make them look great but it certainly not.

    With the above explanation, agree you silly or not?

    mine is a personal EXPERIENCE what’s yours??? The Spin??? or Just like most sheeple ACCEPT it and move on…CONvinced on CONfusion

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  • TUMASIK Patriot:

    TUMASIK Patriot: silly:
    @TUMASIK Patriot:

    You sounded so silly;

    Apply the medisheild Life benefits on the principal sum first;
    then and only then
    apply any Government Grants.

    Otherwise the whole scam looks like to disguise as Government Grants, abusing the process, treating citizens like as stupid and to make them look great but it certainly not.

    With the above explanation, agree you silly or not?

    The shield(provided by system) is to shield you from Medical Scam disguised as HELP…and The FORCED Premium should Cover and NOT a FORCED collection of a 7 Level Multi-Level Scheme similar to INSURANCE Co…Collecting commission on Premium is NOT enough “TAKE ALL”…what is WRONG with collecting More Money!!!

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  • Blood suckers!:

    This is just the beginning of more elaborate insurance schemes to sap every dollar you have in your medisave account and when that is dried up, you will need to top up from your ordinary account. Let me also say that next on the agenda with the present Medishield Life scheme will be “enhanced benefits” and this will result in increased premium which means your medisave account will be drained faster!

    As if this leeching process is not enough, I am not sure how many of you are aware that another compulsory insurance scheme “CareShield Life” was introduced this month for those born between 1980 – 1990 and thereafter new cohorts will enter this “domain” when reach their 30th birthday! No escaping except for those born after 1990, they have the option to opt out. For those who are forced to take up this insurance scheme, that’s another few hundred dollars drained from the medisave account of young Singaporeans and PRs.

    To add salt to injury, they have the audicity to suggest that they are offering substantial subsidies. What subsidies when they cost them nothing! They grab $300 from you, return $100 and call that “subsidy” but keep the $200 to plug loop-holes in other areas. The $100 “subsidy” then becomes an expenditure from the National Budget. How convenient! Is this what they mean by making me repent for voting opposition?

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  • What a scam!:

    They keep deducting from our Medisave more & more each year to pay into this forced Medshield scam.
    Even our cpf payouts are threatened.
    So far 2 minsters have said that the cpf money in our accounts dont belong to us!!
    Next theyll deduct our cpf to top up the medisave and keep deducting medisave to pay into medishield, till all our money goes to hell!
    By the time we retire theres not much left in our cpf either.

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  • Repent?:

    Blood suckers!: o add salt to injury, they have the audicity to suggest that they are offering substantial subsidies. What subsidies when they cost them nothing! They grab $300 from you, return $100 and call that “subsidy” but keep the $200 to plug loop-holes in other areas. The $100 “subsidy” then becomes an expenditure from the National Budget. How convenient! Is this what they mean by making me repent for voting opposition?

    Of course not. This is you repent for 61% action.

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  • TUMASIK Patriot: silly::

    @TUMASIK Patriot

    Was you the Doctor or the Nurse who advised the Patient, as he has clearly written? He was advised to meet the claim condition. And according to the online calculator, $1200 is claimable against the Medishield Life.

    And if you are like those sheepies accepting and moving on… then what the hell are you doing here in TRE? Trying to convolute and spin 185 news here?

    TRE Readers, well most of them except sillies like you, don’t just simply “take it” and “move-on”, no we don’t. We bring the problems up to improve the society and to benefits everyone.

    Maybe next time you can stay 10 days or 100 days, surely will guarantee your claim, as you will surely like to adapt to the “PAPi conditions”.

    TUMASIK Patriot: mine is a personal EXPERIENCE what’s yours??? The Spin??? or Just like most sheeple ACCEPT it and move on…CONvinced on CONfusion

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  • TUMASIK Patriot:

    TUMASIK Patriot: silly::
    @TUMASIK Patriot

    Was you the Doctor or the Nurse who advised the Patient, as he has clearly written? He was advised to meet the claim condition. And according to the online calculator, $1200 is claimable against the Medishield Life.

    And if you are like those sheepies accepting and moving on… then what the hell are you doing here in TRE? Trying to convolute and spin 185 news here?

    TRE Readers, well most of them except sillies like you, don’t just simply “take it” and “move-on”, no we don’t. We bring the problems up to improve the society and to benefits everyone.

    Maybe next time you can stay 10 days or 100 days, surely will guarantee your claim, as you will surely like to adapt to the “PAPi conditions”.

    Spinning your CONfusion will NOT get the support it only makes you sound STOOPID!!!

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  • TUMASIK Patriot: silly:::

    @TUMASIK Patriot:

    Hey Dude!, firstly, no one is asking for your support particularly no one sensible will need your Stopid Support and since no one was asking for it.

    Rather the fact is succinctly clear, neither you were the doctor or the nurse, period.

    Don’t continue with your silly spinning here. You are a nobody and NO ONE APPRECIATE YOUR STUPID CONVOLUTION OF THE FACT.

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  • Healthcare costs as taxes:

    What is not adequately understood is that the annual deductible is tantamount to an annual flat tax on anyone who is hospitalised during the policy year. The annual deductible ranges from $1500 to $3000 depending on age and class of treatment. Imagine what it would translate into as a tax rate for someone with low income or no income. For someone earning $20,000, it would be a equivalent tax rate of 7.5% or more in the year of hospitalisation, and this would apply for each such policy year. As one ages and stops working, the effective tax rate would skyrocket towards infinity!

    The co-pay (or co-insurance) of 10% is akin to a ‘sales tax’ (10%) on the total payable amount less deductible, and this would be on top of the GST @7% payable.

    In addition, there is a complicated “MOH List of Surgical Tables”, seemingly more intricate or complex than the ailments themselves! There are a total of 7 tables: Table 1 (less complex procedure) to Table 7 (more complex procedures). Each Table specifies the limit of the Medishield payout for the surgical procedure(s) involved, and according to the Medishield Plan (C, B, A, …). The purpose seems to be aimed at curbing the insurance payouts regardless of what the hospital charges for the procedure less subsidy applicable. The excess is payable by the patient, whether out of his Medisave savings (again, subject to limits according to procedure) and/or out-of-pocket.

    All of the above amounts payable by the patient are on top of the annual premiums payable for Medishield (Life), which premiums are already being increased considerably and would continue to increase. This is happening in a situation of worsening job insecurity, stagnating or declining wages and increasingly precarious living.

    Much of the ongoing discourse about the healthcare system – based on the insurance model inspired by Wall Street – is aimed at hiding or glossing over the profit-making motive, underlying and driving this extractive industry, and its being prioritised over actual health care needs, whether curative, palliative or preventative.

    The big talk about “affordable” healthcare is essentially nonsensical if it is not tied to service level commitments or service quality standards, e.g. waiting times for specialist appointments, diagnostic tests (e.g. MRI, etc.), surgery, quality of drugs, etc. 

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  • TUMASIK Patriot:

    TUMASIK Patriot: silly:::
    @TUMASIK Patriot:

    Hey Dude!, firstly, no one is asking for your support particularly no one sensible will need your Stopid Support and since no one was asking for it.

    Rather the fact is succinctly clear, neither you were the doctor or the nurse, period.

    Don’t continue with your silly spinning here. You are a nobody and NO ONE APPRECIATE YOUR STUPID CONVOLUTION OF THE FACT.

    if it makes you happy and calms your ego…ok you are right and I am wrong in my assessment of the system…nothing to do with the doctors and nurses they are there to earn their keep

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  • TUMASIK Patriot: silly:

    @TUMASIK Patriot:

    The key points are;

    There are Hidden agenda and conditions of claims that many Citizens were not informed of or are made to be aware of. Only half baked news on daily claimable amount and the “fake” goodness of the Medisafe Life were spread, giving the notion of a daily subsidized scheme.

    As the amount he has to pay has shown, the scheme is bad and not fully People’s serving, in his case, NIL serving. Citizens still have to pay out big sums. He said “After paying so much money every year for the stupid scheme, there is ZERO pay-out, not helping the citizen in any way at all.”

    and the final key point is, bearing such a bad scheme and imposing onto its people, the government should not have made it Compulsory onto them. The proof has shown that after spending so much money, there is no benefit received from the scheme. And he said, “Hence the Government must allow Singaporeans to withdraw from such fake and useless scheme.”
    And I should add – and not make it into a Profit Type Business.

    Maybe the $8 heart bypass scheme? Possible surely, with such insurance volume and mass of a compulsory scheme, private insurance entity would grab the business [if no restriction, of course].

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  • Until today, I am still confused on how this Medishield works and is toying with the idea that I return to Sinkieland to treat my stroke and possibly have stents inserted.

    Lets say if my entire ops and treatment costs $100,000, how much do I have to fork out before Medishield will cover the rest?

    Anyone can help with a rough estimate? Thank you.

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  • TUMASIK Patriot:

    TUMASIK Patriot: silly:
    @TUMASIK Patriot:

    The key points are;

    There are Hidden agenda and conditions of claims that many Citizens were not informed of or are made to be aware of. Only half baked news on daily claimable amount and the “fake” goodness of the Medisafe Life were spread, giving the notion of a daily subsidized scheme.

    As the amount he has to pay has shown, the scheme is bad and not fully People’s serving, in his case, NIL serving. Citizens still have to pay out big sums. He said “After paying so much money every year for the stupid scheme, there is ZERO pay-out, not helping the citizen in any way at all.”

    and the final key point is, bearing such a bad scheme and imposing onto its people, the government should not have made it Compulsory onto them. The proof has shown that after spending so much money, there is no benefit received from the scheme. And he said, “Hence the Government must allow Singaporeans to withdraw from such fake and useless scheme.”
    And I should add – and not make it into a Profit Type Business.

    Maybe the $8 heart bypass scheme? Possible surely, with such insurance volume and mass of a compulsory scheme, private insurance entity would grab the business [if no restriction, of course].

    Appreciate your comments and keeping patriots and possibly silly sheeple to “THINK” and not just sail along

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  • TUMASIK Patriot:

    TRE Techie:
    Until today, I am still confused on how this Medishield works and is toying with the idea that I return to Sinkieland to treat my stroke and possibly have stents inserted.

    Lets say if my entire ops and treatment costs $100,000, how much do I have to fork out before Medishield will cover the rest?

    Anyone can help with a rough estimate? Thank you.

    Tough Bro, just as CONfused by the Con You Brigade leh!!!

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  • @TUMASIK Patriot:

    Oh, and I forgot to add, after a decade of CONPULSARY auto-deduction, my Medisafe account currently stands at a big fat ZERO. Can still use Medishield or not? :(

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  • TUMASIK Patriot:

    TRE Techie:
    @TUMASIK Patriot:

    Oh, and I forgot to add, after a decade of CONPULSARY auto-deduction, my Medisafe account currently stands at a big fat ZERO. Can still use Medishield or not? :(

    I BELEIVE they have a Top-Up on your Medisave and whatever save name they use to fleece your MONEY to subsidize and should you have a Big Fat zero and inadequate to cover your premium with the Top-Up…

    Bro you PAY CASH on the difference…Be Brave and say NO MONEY lah!!! and F…them

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  • Co-Payment Scheme even better:

    Come to think of it, even the company Co-Payment Scheme is much better and beneficial than the Compulsory government Medishield Life Scheme and much cheaper too.

    Tell me where on earth does any insurance policies not provided a copy to the insured so that they are aware of all the conditions of claim? I don’t know about you, but I have not received any copy of the Medishield Life detailed policy after so many years of payment. Only such draconian state allows this thing to happen.

    Thus, it comes to many people believes that whatever the Gov does, 9 out of 10 is NO GOOD. Its too secretive like something to hide.

    Many People didn’t know, the older you go, the more you have to pay which is over a thousand dollars every year. As the above shown, single day emergency, or cases where you visit the hospital as outpatient, you are not compensated by the stupid Medishield Life scheme and have to pay cash plus digging into medisave plus excluding “suspicious markup gov grant” that many people don’t believe. Just look across the border, majory surgery is $0, all paid for by the country. NO need all the stupid scheme digging into your retirement savings.

    Maybe the $8 heart bypass scheme? Possible surely, with such insurance volume and mass of a compulsory scheme, private insurance entity would grab the business [if no restriction, of course].

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  • Confusing Hellthcare Sys:

    Looks like the Healthcare System is very Conplicated and Confusing.

    Why can’t it be clearcut like many other countries’ system? More often than not, patients are in for lethal shocks.

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