We will be covering the Singapore Healthcare System in Term 4. Good to read ahead. Watch this video and see if you can uncover the 2 points of views about the Singapore healthcare system and list down what are the points for both sides of the argument.
Also write down in point form how the Singapore healthcare system works - see if you can identify two factors discussed as to how Singapore Government makes healthcare affordable.
17 comments:
The 2 factors are A combination of quality care and
compulsory nation saving programme- medisave
MarcusKerh
Singapore's healthcare system is affordable-->Govt.introduce 'Medisave' to s'poreans-->about 6-8% of their income is send to the Medisave accs.--> The more hardworking-->more income leads to more credit to medisave-->hence affordable when one gets sick.
Medisave might not be enough for some s'poreans--> low-paying and burden of other family members who are deprived of Medisave--> they not only need to takce care of ownself but their next-of-kin too--> when their medisave is used twice or thrice as much--> medisave depletes fast--> hence not enough for ownself.
Singapore's health care is affordable compared to countries like USA.
> Singapore's health care works through a combination of quality care and a compulsory, free national savings program called MEDISAVE.
> As you work, you'll have to pay a fund that will grow in value overtime and you will use that money to pay for health care.
> Between 6% to 8% of every Singaporean's salary is automatically deducted for Medisave.
> While the Singapore government heavily subsidises health care taxes, patients are expected to make hefty co-payment (some as high as 20% for medical services.
> Singapore system emphasises personal responsibility, and you'll have to spend your money wisely.
> The more hardworking you are, the bigger your medisave. The lazier you are, the smaller your medisave.
> Thus, Singaporeans who worked hard will be able to pay for their medical fees easily.
However, medisave might not be sufficient to others.
> Some Singaporeans do not earn much than others.
> Hence, their medisave will be small and insufficient.
> They will have to use their own pocket money to pay for themselves and their elderly parents.
> Singaporeans are afraid of depleting their own health care service.
> They do not turn to medical insurance for help but rather their next of kin when they fall ill.
> Others would have to use their medisave more than once and they will not have enough for themselves.
> Thus,those with lower income would not have enough medisave to assure themselves.
One of the govt. support approaches is through CPF scheme - 33% distributed into 3 sub catergories (4%, Medisave ; 4%,special ; 2.5% ordinary). It is a forced savings scheme, which ensures that all Singaporeans will save throughout their working life.
Moreover, under the Medisave scheme, a certain amount of money from the
workers' CPF contributions every month is channelled into their Medisave accounts. This amount of money can be used to pay hospital bills and certain medical treatment when needed.
Some say that the Singapore health system is affordable, but on the other hand, some still say that the Singapore health system is expensive and the poor are less well served by the system.
The Singapore health system works through a combination of quality care and a compulsory saving system called Medisave. Medisave accounts are restricted to paying medical services only. Between 6-8% of every Singaporean’s salary is automatically deducted for Medisave. The government heavily subsidizes healthcare, but Singaporeans are still expected to pay hefty payments for medical bills.
The Singapore health system emphasizes personal responsibility. Those who work harder earn more money and have more money in their Medisave accounts. Those who work less earn less money and have less money in their Medisave accounts. Because the Singapore health system emphasizes personal responsibility, providers are less likely to perform unnecessary procedures when non-insured patients’ companies are not paying the medical bills. It’s consumer driven healthcare that encourages hard work and clean living.
On the other hand, some people are worried about depleting their own Medisave because of family burden. In the video, a man has to pay his mother’s medical bills because her mother didn’t have a Medisave account. He is worried that he will deplete his own Medisave account, and not have enough money for his own medical needs. And although supplementary health insurance services are available, it is not a popular alternative.
The government does provide a safety net for those who haven’t saved, but some still say that the poor are less well served by the system.
Some say that the Singapore health system is affordable, but on the other hand, some still say that the Singapore health system is expensive and the poor are less well served by the system.
The Singapore health system works through a combination of quality care and a compulsory saving system called Medisave. Medisave accounts are restricted to paying medical services only. Between 6-8% of every Singaporean’s salary is automatically deducted for Medisave. The government heavily subsidizes healthcare, but Singaporeans are still expected to pay hefty payments for medical bills.
The Singapore health system emphasizes personal responsibility. Those who work harder earn more money and have more money in their Medisave accounts. Those who work less earn less money and have less money in their Medisave accounts. Because the Singapore health system emphasizes personal responsibility, providers are less likely to perform unnecessary procedures when non-insured patients’ companies are not paying the medical bills. It’s consumer driven healthcare that encourages hard work and clean living.
On the other hand, some people are worried about depleting their own Medisave because of family burden. In the video, a man has to pay his mother’s medical bills because her mother didn’t have a Medisave account. He is worried that he will deplete his own Medisave account, and not have enough money for his own medical needs. And although supplementary health insurance services are available, it is not a popular alternative.
The government does provide a safety net for those who haven’t saved, but some still say that the poor are less well served by the system.
By Indira Pranabudi and Grace Ong
2 Factors which allow healthcare system affordable in singapore
1)medisave:a compulsory nation saving programme. allow
people to be able to pay medical bills with it and do not have to pay with cash.
2)no over servicing.over servicing is to provide services more than nessesary for patient.this allow patentail to not have pay more than needed for the medical treatment they are given.
by ken and zheng ying
Singapore healthcare system is affordable. Medisave scheme was launched for the sake of Singaporeans in future. It is an account that the sum of money cannot be retrieved only can be used when see doctor. It is about 6 to 8 percent of their income saved into this account, it also means that the more you earn , the more income , the more money/dredit you save into the account. In this case , when one falls sick , he/she will have the ability to pay for the hefty sums of medical bills and will not be financially stranded. Also , medisave of the next closest kin such as mother or child's medisave could be used to pay for one bill too , so that it will be affordable.
The Singapore health system emphasizes personal responsibility, providers are less likely to perform unnecessary procedures when non-insured patients’ companies are not paying the medical bills.
Hence , medisave is a scheme that helps to provide savings on medical services and that when one's in need of money for medical services , they can use it.
However, some that are earning less , having lesser income , this scheme does not really benefit them , as the small amount of money every month.
Thus , this scheme is a good choice for the people who have high income and not so beneficial for the lower income group.
JIAYI(06)
JOSEPHINE(09)
medisave not enough for some.
->not every Singaporeans have enough medisave to pay for their hospital bills when they fall sick.
->they tend to rely on family support due to that.
->medisave depletes fast when it is often used.
->they are left with not much medisave for their own need when it is neccessary.
One of the government support approaches is through the CPF scheme. It is a forced savings scheme which ensures that all singaporeans will save throughout their working life. Money will accumulate with interests in the CPF account to become a sustantial amount. At retirement, the CPF savings will be given to the elderly singaporeans financial security.Money will be available to meet daily needs. The elderly will feel secure and need not be overly dependant on family or government.Hence, there will be less financial strain on the family and better quality of life which will lead to less dependancy on the governments help in funding basic needs.
1)medisave:compulsory nation saving programme.Allows
people to be able to pay medical bills with it.
Combination of quality healthcare and compulsory national saving programme called the medisave.Between 6-8% of the singaporeans salary is automatically deducted into the medisave and the employer contributing a small amount into individual account. The medisave funds are largely restricted to hospital. The more hardworking you are and the more healthy you are (which means you hardly touch your medisave account ),the more money you will have in your medisave account and vice versa.
Another method is to buy medical insurance but most of the times, people do not buy this insurance. Instead they rely on family support. In other words it means that the medisave may not be helpful to some poorer Singaporeans even though it heavily subsidises the medical bill.
Work hard , earn more = medisave bigger.
Lazy , work less = medisave small
If keep yourself healthy and hardly use it or go to hospital = medisave grows.
Could not be bothered > smoke , drink, obese, don't exercise, fall sick often = medisave depleted.
Medisave funds are largely restricted to hospital funds & cannnot be use for outpatient services. Asian society usually rely on family support > Government provide safety net.
XueQi (3) and Jermaine (16)
Medisave forces people to save a part of their income during their working year so that they would have money to pay for their medical bills.
Healthcare becomes affordable to all and life expectance becomes longer than countries like Amercia.
Singapore's healthcare system:
-Works to a combination of quality care and a compulsory national savings programme called Medisave.
-Between 6% and 8% of Singaporean's salary is deducted for Medisave while employers are also paying a small amount into the Medisave accounts.
-Government heavily subsidizes healthcare protection,while patients are expected to make hefty co-payment,some as high as 20% for medical services.
-Singapore system emphasizes personal responsibility ,as it is Singaporean's money to think how to spend wisely. Those who work hard and earn more will have more money in their Medisave accounts.
Those who work less and earn less will have lesser money in their Medisave accounts.
-Providers are less likely to perform unnecessary procedures when patients know insurance companies are paying the bills.
-Its consumer driven healthcare encourages hardwork and clean living.
-Medisave funds are largely restricted to hospital costs as it cannot be used for out-patient services. Supplementary health insurances are available,but not a popular alternative.
-Government provies a safety net for those who have not saved,but the poor ones are less well served by the system. Millions are ensured to exist in Singapore because of compulsory savings.
The factor is Medisave.
Medisave is the ‘forced’ savings of our own money from our salary when we work. this can only be used in Medical needs. Thus Singaporeans will have enough money to meet their medical needs, such as operations, treatment and medication.
However, some of them do not have enough money in th eMedisave to pay for the madical bills as they do not save enough and some may use the money to help their family who do not have enough money in the Medisave account. thus, not every people are benefit from the Medisave account.
Vivien oon
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