I raised my concern on the Mean Testing on Healthcare, at the Dialogue Session with Minister, Prime Minister Office, Mr Lim Swee Say, during his MCV to Mountbatten on 24th June 2007.
The people on the ground, were very concerned, when Minster of Health, Mr Khaw Boon Wan mooted the idea of Mean Testing for Healthcare, especially for the highly-subsidised 'C' Class wards. He also suggested implementing it within a year.
Whether the Mean Testing will be classified by our asset or by income, we found it to be non-justifiable or questionable. The worries lie with the defination of 'affordability'. To us it depends on our savings and the balance of our income after deducting our monthly expenditure.
Those badly affected are the 'sandwich' class, between the rich and poor, or between the aged parents and the dependant children. The rich can easily afford, and they will not go for C Class wards in public hospital, the poor would be taken care of by the government or welfare organisation.
We have to take care of our aged parents, who are no longer covered by any insurance scheme, and as they age, medical expenses will be higher or may become non-affordable.
Futhermore, quite a number of elderly are not used to the aircon in the better ward and some would like companionship in an open ward.
We cannot deplete our saving too, we also have to save for our children's future. They may not be able to continue their tertiary education in Singapore, due to the limited universities places available here. We have to save money, in order to send them abroad for further studies.
These middle income group already are the victim of mean testing as in housing, that is if their combined household income is above $8,000, they are not entitled to buy any public housing. If they want to own an asset, they have to get private housing. They have to pay higher housing loans and pay higher initial payment and thus deplete their saving. At the same time, they also contribute to income taxes, which are used for the subsidies.
Mean Testing for hospitalisation at public hospital, was mooted by a popular Minister who had done alot and still working on improvements to the healthcare system and lowering the cost. At the same time, he is faced with rising health costs, an ageing population and abuses, especially some families 'dumping' their parents to the care of the public hospitals.
I propose that Class C wards may still be accorded to patients of any income group, with reducing subsidies after a period of stay, for example 70% for first 7 days, 50% for the next 7 days and 30 % after 14 days stay etc.
The needy can apply for the normal subsidies. The medical doctor may certify that a patient require a longer stay, and providing the regular subsidies. Those not qualified under 'needy' may seek the Member of Parliament for recommendation of financial aids, if needed. Those who abuses the healthcare system gets the least or no subsidies.