What has spore gov done for me?
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thanks anyway..demon bane...i roughly now get what a medishield really is......not much of a shield...if i was in sparta fighting with a shield thats like that...i would have thrown it away n got better one....i might get killed if shield breaks in abattle!
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Originally posted by Hitman 778:
not enough $$$ u may get thrown out 3 days later from hospital!
Which is why its important to have "ready tokens" for hospitalization. So any operation may be carried out immediately (for emergency cases). That's why I said they are good systems. Both Medishield and Medisave.
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tokens??????u mean cash in hand and saving!???]
i still dun undretand why u say medisave n medishield is a good system when u dunno how and what it functions.....damn alien to me .i hope yer car insurance isnt like that too!
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Originally posted by Demon Bane:
Which is why its important to have "ready tokens" for hospitalization. So any operation may be carried out immediately (for emergency cases). That's why I said they are good systems. Both Medishield and Medisave.
I mean ready $$$ in Medisave and Medishield.
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medisave makes some sense in money transactions convenience in the time where electronic banking wasnt availiable ...in todays world u might as well use savings or cpf instead of medisave...medisave is somewhat a symbol of dinosaur era really...but medishields purpose sounds meaningless no matter how i see it at every corner......there are probably medical type of insurance schemes at Aia or prudential offering 100% coverage for illnesses for a small sum .....even tokens such as this medshield isnt regarded well if u had that only in hospital;s when u run outa medisave.......
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Originally posted by Demon Bane:
I mean ready $$$ in Medisave and Medishield.
dun u have ready $$$ in savings ??what about medical insurance schemes from aia or pudential that covers 100% of medical costs???in conclusion:
medisave is really part of your salary from cpf
medishield is really senseless as there are cheaper coverage from aian other insurance companies that offer cheap monthly rates like $40/mth with 100% full medical coverage!!!maybe u can even withdraw money from insurance as part of savings plans anytime u want...
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Originally posted by Hitman 778:
dun u have ready $$$ in savings ??what about medical insurance schemes from aia or pudential that covers 100% of medical costs???in conclusion:
medisave is really part of your salary from cpf
medishield is really senseless as there are cheaper coverage from aian other insurance companies that offer cheap monthly rates like $40/mth with 100% full medical coverage!!!maybe u can even withdraw money from insurance as part of savings plans anytime u want...
Medishield and Medisave can automatically use them immediately....unlike other insurance whereby u have to pay cash first then apply to claim....troublesome, right?
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i got a better plan....why dun i junk the medisave n medishirld n replace it with a medical insurance from AIA or prudential etc etc which offfers cheap affordable value for $$$$ 100% hospital n medical coverage instead!! not the half ass medishield thingy which offers tokens thats not even enough for hospital food let alone the medication n surgery!!!
so if u spend 3 years in hospital ...insurance company will pay 100% coverage too!!!!
but if its the medishield n medisave ...then thats pretty poorly made medical plannin thats wasting yer $$$$ in the end.
from a practical pooint of view.....current medishield n medisave doesnt sound good.it doesnt offer 100% med coverage nor is it affordable.in fact is wanton squandering of your resources!
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u have the savings,,,,,,use it.that $$$$ will be returned to u from privateinsurance company such as AIA or prudential.....!!!in the end u dont foot a single cent at all for hospitalisation.
BUT THIS MEDISAVE AND MEDISHIELD,ONCE USED WILL NEVER RETURN!might as well junk both of them!
lemme put practical example.
:goto hospital n pays $30,000 for hospital bills using savings.claims it all back 100% from my private medical insurance company.my savings remains healthy n top form.u are able to come back to hospital many times in yer lifetime with that insurance policy!
but if having this deadweight medishield n medisave thats there and unremovable
and goto hospital and only have $30,000 in them altogether.it means goin into hospital once and then run outa cash and one wont be able to return ever again to any hospital in spore.one will probably get a token sweet from the nurse as a sign of pity after she looked thru computer regarding the funds in yer medisave n medishield.thats last time u will ever enter hospital.
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Originally posted by Hitman 778:
i got a better plan....why dun i junk the medisave n medishirld n replace it with a medical insurance from AIA or prudential etc etc which offfers cheap affordable value for $$$$ 100% hospital n medical coverage instead!! not the half ass medishield thingy which offers tokens thats not even enough for hospital food let alone the medication n surgery!!!
so if u spend 3 years in hospital ...insurance company will pay 100% coverage too!!!!
but if its the medishield n medisave ...then thats pretty poorly made medical plannin thats wasting yer $$$$ in the end.
from a practical pooint of view.....current medishield n medisave doesnt sound good.it doesnt offer 100% med coverage nor is it affordable.in fact is wanton squandering of your resources!
Perhaps why people use Medishield is becos most of them dun buy "outside" insurance....and many have no cash. If u r rich, congrats! U can choose insurance policies for 100% coverage...otherwise, use govt ones lor....Hahaha!
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Now, why you need a medisave, medishield, medishield plus, medisave advance etc etc when you can just buy a single insurance from govt on medical so that whenever you pop up with problem at govt own hospital, you are covered.
Is it logical that you keep increasing public medical cost and therefore increase these medisave, shield, plus plus...you can alway lower the medical cost. The motive here is not about medical, but more on holding your money for other purposes. Let say you got abt 2 millions workforce contributing 23,000 dollars into medisave, do you know how much money is there x 2 millions?? or more
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Originally posted by angel7030:
Now, why you need a medisave, medishield, medishield plus, medisave advance etc etc when you can just buy a single insurance from govt on medical so that whenever you pop up with problem at govt own hospital, you are covered.
Is it logical that you keep increasing public medical cost and therefore increase these medisave, shield, plus plus...you can alway lower the medical cost. The motive here is not about medical, but more on holding your money for other purposes. Let say you got abt 2 millions workforce contributing 23,000 dollars into medisave, do you know how much money is there x 2 millions?? or more
CPF Board is richer than alot of banks? Hahaha!
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in which case u might as well make it big time striking 4d n toto.its pointless with medishield....might as well go buy a first aid kit and a medical book if u depend on tokens from medishield.dun ferget sewing needles to sew yer wounds up if u were to depend on medishield if medisave runs out.
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im still perplexed......about which person in spore would use such crappy solutions such as a medisave n medishield.i only discovered what they were this afternoon!
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Originally posted by Demon Bane:
Perhaps why people use Medishield is becos most of them dun buy "outside" insurance....and many have no cash. If u r rich, congrats! U can choose insurance policies for 100% coverage...otherwise, use govt ones lor....Hahaha!
actually 100% medical coverage can be bought for a far smaller sum per month than what people put in medisave n medishield..
i dun need to be rich really even a school student can afford it with his lunch money...dun need to congratulate me or anyone.
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Originally posted by Demon Bane:
CPF Board is richer than alot of banks? Hahaha!
no need cpf board lah, town councils already very rich liao, somemore can investment in global equity...wee! -
and look at LTA, COE $70k, EPR $4, omg! can't imagine people can think of that..
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Howwhatsoever!, there is someone needed to communicate and interact in the international arena, and it is impossible that all communicate together
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webcam conference lor
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Political stability in Singapore plus the stable economy. I have found a great job recently! Good pay also!
Hurray! -
More fare hike coming after ge?
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Originally posted by likeyou:
More fare hike coming after ge?
Possibly....SG is a small place with little or no natural resources....so the human resources kana tax lor...no escape!
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Whenever I open up my bills, be it pub, etc...I can see the figure goes up, never comes down. Sigh!
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Originally posted by likeyou:
Whenever I open up my bills, be it pub, etc...I can see the figure goes up, never comes down. Sigh!
I think the garmen already keep the utility costs low. Other countries more expensive leh...
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Originally posted by Herzog_Zwei:
I don't blast WP, I just blast PAP and SDP.You sure or not?
PAP is already history!
Ya I know SDP is not sincere in improving Singapore so it's ok to blast them!