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Myth Or Magic - The Singapore Healthcare System a book by Lim, Jeremy

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Great book which I enjoyed reading. Myth or Magic? ...after reading, you will know there is no such thing as magic!

http://www.selectbooks.com.sg/getTitle.aspx?SBNum=056105

Here is a snippet from the book:

Colleagues were stunned when I announced last year that I was writing a book on the Singapore health system. “Who would be interested?” and “Is there enough material to write an entire book?” were the two most common refrains (“Would you be arrested?” was thankfully voiced by only one person). I am therefore glad for the minority who agreed with me that the Singapore story was worth telling and encouraged me to forge ahead. I am also deeply indebted to the many thoughtful critics and advocates who so freely shared with me their perspectives, insights and hopes for the Singapore model.

In truth, the Singapore model of healthcare has been a remarkable one thus far. Professor William Haseltine, in his book on the Singapore health system, waxes purple over Singapore’s achievements and titles his treatise Affordable Excellence: The Singapore Healthcare Story – How to Create and Manage Sustainable Health Care Systems. In the book, he notes that “Achieving and maintaining the good health of the populace at reasonable cost seems like an unattainable dream in many nations, yet Singapore has done it and has much to teach the rest of us.”

The reality is unfortunately more nuanced. I will attempt to present an honest account of the Singapore healthcare story in this book and dispassionately discuss both the good and the not-so-good. My hope is that despite my biases, the reader can gain a deeper understanding of the unique Singapore model and place in context five decades of this great experiment.

Why does Singapore capture the imaginations of many health policy observers the world over? There are perhaps three main reasons that pique their interest:

Firstly, Singapore has won numerous health accolades despite spending just 4% of its GDP on healthcare. These include being named by Bloomberg as the world’s healthiest country and being ranked sixth in the World Health Organisation’s (WHO) review of health systems in 2000. To provide perspective, 4% is lower than the 5% recommended by the WHO as minimum spending on healthcare, and a quarter by GDP of what the United States of America, the richest country in the world, spends. Incidentally, America, despite this largesse, ranked only 37th in the 2000 WHO assessment. Global interest in the apparent ability of Singapore to deliver excellent health outcomes on a shoestring budget has surged in recent years as countries around the world struggle to provide healthcare to their citizens in an age of austerity.

Secondly, modern Singapore, which had its beginnings as a British colony, was still a British possession in 1948, when the English National Health Service (NHS) was born. How did Singapore shake off its colonial legacy and move its philosophy of healthcare from state obligation to individual responsibility? To fiscal hawks, the more compelling related question would be this: How did Singapore, in the span of one generation, reverse the ratio of healthcare financing from 70% government-funded in 1980 to barely 30% in 2012?

Finally, Medisave, Singapore’s national health savings account system, has drawn much interest globally for it is the only such implemented scheme in the world. It has been lauded as the linchpin of our healthcare financing model but this deceptively simplifies the Singapore system.

At the same time, critics of the Singapore model decry that “it is better to die than to fall sick in Singapore” and bitterly criticise the co-payment and explicit rationing that are central pillars of the ideology of the Singapore system. Is the Singapore system the “magic” the world is seeking to address the challenge of providing affordable healthcare or is it just a “myth”? Where does the truth lie between myth and magic?
 
Article in Today by Author Dr. Jeremy Lim.

BY
JEREMY LIM
-20 AUGUST

Three decades ago, Singapore introduced Medisave, a scheme that would “enable Singaporeans to set aside their own savings to meet future hospitalisation expenses”. Since then, the lexicon of health planners has been filled with phrases such as “personal responsibility” and “avoid over-reliance on the State or medical insurance”. The share of national health expenditure has also increasingly been borne by patients and their families.

On Sunday evening, Prime Minister Lee Hsien Loong framed dramatically “a new way forward”, emphasising to Singaporeans “you will not be facing these challenges alone, because we’re all in this together”.

In his speech, Mr Lee declared that MediShield would become MediShield Life, covering every Singaporean from cradle to grave.

Why this change and some of the others in the Community Health Assist Scheme (CHAS) and outpatient subsidies? There are many reasons why this is long-overdue and it is perhaps worthwhile discussing them now since the Ministry of Health is still mulling the details.

FOR GREATER COST-EFFICIENCY

The first cluster of reasons is technical. Healthcare costs are rising faster than salaries, and insurance is the most efficient way to spread the risk of catastrophic illnesses and large hospital bills. Some of us will die suddenly with almost no healthcare expenses, but some of us will incur massive bills treating cancer, stroke or heart disease and the like.

We, unfortunately, won’t know which group we will fall into. Hence, some will under-save and be vulnerable; others will over-save and forego opportunities to spend the monies meaningfully elsewhere, such as in children’s education.

Secondly, whether it is the Government or citizens, someone has to pay for healthcare. Recalibrating the financing mix is an opportunity to align incentives and minimise some of the wastage in the current hospital-biased, inpatient care system.

With MediShield Life being compulsory, insurers managing the scheme now have the incentive to deploy some of the MediShield dollars away from reactive disease care into proactive preventive health and stronger management of chronic diseases.

By keeping Singaporeans healthy, insurers can incur less expenses years down the road.

It must be a system-wide effort and we must rally all the stakeholders and transform our care model to be as cost-efficient as possible for all of us, public as taxpayers, patients, providers and payers.

VULNERABLE PIONEERS

On the generation of citizens in their late 60s or older, Mr Lee gave the reassurance of a “Pioneer Generation Package”: A one-off exceptional treatment for this group of Singaporeans to “make sure that our pioneer generation will be well covered and will not need to worry about healthcare in their old age”.

There are very strong technical grounds, at least when it comes to healthcare, to treat this group differently. This is the generation that did not benefit fully from the social security schemes such as the Central Provident Fund, Medisave and so on; and thus are vulnerable in today’s high-cost climate.

Their most pressing needs would be two-fold: One, support to enable good care of chronic conditions such as diabetes and high blood pressure, which have small but regular costs associated with medicines and tests (and hopefully this will be met by the expansion of CHAS and increased outpatient subsidies). And two, protection against losing their life savings due to major illnesses such as cancer, which MediShield Life should address.

INVESTMENT IN NATIONHOOD

The second cluster of reasons is political. In healthcare, the top concern among Singaporeans is affordability and this cuts to the core for most of us, not just the lower income but also the middle and higher income groups.

“Personal responsibility” may be good economics, but it is bad politics and even worse nation building. The Government Parliamentary Committee on Health last week highlighted that many identify with the old adage “it is better to die than to fall sick” in Singapore. Why should anyone love and even die for a country that, despite having the most millionaires in the world proportionately, allows its citizens to feel this way?

What the Prime Minister signalled on Sunday is that financials matter, and they will always matter, but people matter more. Healthcare for the people is an investment, an investment in Singaporeans and an investment in nationhood.

Amidst the euphoria of reform, I hope Singaporeans remember Mr Lee also emphasised that the subsidy/3M (Medisave, MediShield, Medifund) model by and large is a sound basis to finance healthcare for everyone else.

For the “future old” who have had the opportunity to set aside monies for healthcare and avail themselves of health insurance, we should be looking instead at how the existing framework can be strengthened to retain the positive elements such as encouraging some personal responsibility and prudence in spending, while overcoming the weaknesses now which, to me, revolve around excessive application of co-payments for virtually all health conditions and the strong financing bias towards hospital care.

The beginning of a new Singapore — yes, it’s as simple and profound as that. Nature teaches that the caterpillar metamorphoses to a beautiful butterfly; but the necessary intervening chrysalis stage is where it is most vulnerable. The Singapore healthcare system is metamorphosing. Let all good men and women continue the exhortations and encouragements that will further the process.

Victor Hugo once said: “There is nothing more powerful than an idea whose time has come.” That time has come, for Singapore.

ABOUT THE AUTHOR:

Jeremy Lim is the author of “Myth or Magic: The Singapore Healthcare System”, which will be on sale in September at all major bookstores and online.

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How did Singapore, in the span of one generation, reverse the ratio of healthcare financing from 70% government-funded in 1980 to barely 30% in 2012?

People are mislead by the term "funded by the government". Governments don't fund anything... taxpayers are the source of funds.

In 1980, 70% of the cost of medical treatment was funded by other Singaporeans. The figure is now 30% which is a good trend. People should pay for their own healthcare instead of depending on their fellow Singaporeans to pay the bulk of their bills for them.
 
Pity the citizens who are paying for the health care of the "last leaf" while they can't even afford decent healthcare.
 
Sounds like PAP cock sucking BS.... really.... who would buy and read the book?
 
People are mislead by the term "funded by the government". Governments don't fund anything... taxpayers are the source of funds.

In 1980, 70% of the cost of medical treatment was funded by other Singaporeans. The figure is now 30% which is a good trend. People should pay for their own healthcare instead of depending on their fellow Singaporeans to pay the bulk of their bills for them.

Health care costs whether the govt pays or sick individuals pay has to come from somewhere. However, when the govt pays, money is taken from the many corporations and individuals to pay for the few who get sick. If the govt doesn't pay, the burden is concentrated on the person who is sick and those around him.

All of us pay more so that the unlucky person who gets seriously ill pays less. We can be that unlucky person....we cannot predict for sure.

The alternative is make the person who is sick pay, double his pain.

I rather hedge my bets and pay more now so that I don't have to be terrified of being the unlucky sick person.

By making it universal, every person is insured and nobody left out, we minimise the financial burden of getting sick. Of course, we end up paying more because the insurance company can no longer just choose healthy people only to insure. In some ways it is like compulsory charity...but as a Singaporeans I'm willing to help others so long as the level of profit in insurance companies is capped at an acceptable level....better still the govt administer it and go for a zero-profit scheme.
 
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People are mislead by the term "funded by the government". Governments don't fund anything... taxpayers are the source of funds.

In 1980, 70% of the cost of medical treatment was funded by other Singaporeans. The figure is now 30% which is a good trend. People should pay for their own healthcare instead of depending on their fellow Singaporeans to pay the bulk of their bills for them.

Sharing is the foundation of building a community. The masses will never become rich. Middle-class existence is the best that they can reach. Why should middle-class be deprived of affordable healthcare?
 
Sharing is the foundation of building a community.

Expecting other citizens to pay for things on your behalf does not build communities. All it does is build a culture of sloth and a sense of entitlement.

The social welfare system that sinkies are clamoring for is not even part of Asian or Chinese culture. The modern version as we know it is an Ang Moh invention and is barely 100 years old. http://en.wikipedia.org/wiki/Welfare_state#History_of_welfare_states

Why any Sinkie would want the PAP to adopt an Ang Moh system of government is beyond me.
 
Singapore will need to set up as similar website soon if all the ridiculous demands to "help the poor" continue.


the problem with california, a.k.a. welfare state of the u.s., is that state officials and politicians know with factual data that the state is hemorrhaging taxpayers' money on welfare and fraud, yet they can't stop it as doing so is tantamount to disenfranchising a massive voter base and inviting political suicide. welfare recipients and fraudsters have become a major voting bloc, so powerful that they can derail any fiscally conservative politician's chances of getting into office. the two, welfare and fraud, work hand in glove to siphon money off state coffers and hard earned taxpayers' contribution to the state. to repeal it, it will require a war. once it is legislated, becomes law and is implemented, it's near impossible to turn back the clock. it's like gourmet food has turned into shit, and trying to present shit as a palatable "free" cuisine. :o
 
it's near impossible to turn back the clock. it's like gourmet food has turned into shit, and trying to present shit as a palatable "free" cuisine. :o

Tell me about it. It's pretty much the same in NZ. That's the problem with the one man, one vote system as there are more losers in this world than there are winners.

Why any sane Singaporean would want a similar system simply boggles the mind.
 
Does not matter one man one vote of whatever as whoever gets voted in is controlled by the rich elites. that is why nothing changes,,the USA is controlled by the jews and the jews controlled the world. In singapore and Hong Kong it would be the property developer but for singapore's case its the Familee which is the biggest landlord.

Since U are the rich elite, you would not have a problem as u and yr gang will control what ever government that is voted in. the gahmen has to listen to you and pander to your needs and interest...

Tell me about it. It's pretty much the same in NZ. That's the problem with the one man, one vote system as there are more losers in this world than there are winners.

Why any sane Singaporean would want a similar system simply boggles the mind.
 
Does not matter one man one vote of whatever as whoever gets voted in is controlled by the rich elites. that is why nothing changes,,the USA is controlled by the jews and the jews controlled the world. In singapore and Hong Kong it would be the property developer but for singapore's case its the Familee which is the biggest landlord.

Since U are the rich elite, you would not have a problem as u and yr gang will control what ever government that is voted in. the gahmen has to listen to you and pander to your needs and interest...

In the USA, state politics has far more influence on the lives of the people. Compare California with Texas or Nevada.
 
Jeremy should buy the book written by Jeremy. ;)
 
there are only 2 systems in the world, the ang moh welfare system that evolved to temper the effects of capitalism, or the commie system of welfare tempered with capitalism.

if we don't go the ang moh way, we can always go back to the commie way.

Expecting other citizens to pay for things on your behalf does not build communities. All it does is build a culture of sloth and a sense of entitlement.

The social welfare system that sinkies are clamoring for is not even part of Asian or Chinese culture. The modern version as we know it is an Ang Moh invention and is barely 100 years old. http://en.wikipedia.org/wiki/Welfare_state#History_of_welfare_states

Why any Sinkie would want the PAP to adopt an Ang Moh system of government is beyond me.
 
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