In fact the scheme is so complicated that a majority do not fully understand how it works and how to use it and by the time they are admitted, its too late to change their mind.
Most do not read about it until they need to use it i.e when they are sick/old and that is the worst time as they are feeble and mentally slower.
You try asking those "world class" local university graduates how Medishield, Medisave and CPF minimum sum works and you will know what I mean.
Its time to boot out these million dollar ministers who are making life miserable for locals.,