As we embrace inflation…

As we embrace inflation and keep inflating the prices of everything as a sign of progress, the world goes on spinning. $147k hospital bill is real, if there is no subsidy. How did we end up with a C Class ward in a govt hospital charging this kind of bill? Sorry, I forgot, it is privatized govt hospital, privatized for quality and efficiency. Has this got anything to do with the multi million dollar property prices? I bet it does. The doctors too need to earn the money to buy that $6m property, plus all the other trappings of wealth and a good life. They need to be paid handsomely if they are going to be able to afford those properties and all the good things in life. So will the other people in the medical industry. So will all the professionals and talents in the other industries. It will keep on spinning with everyone demanding more to pay for the properties they have an eye on. The workers have their fears. Paying a $100k hospital bill is beyond many average Singaporeans. But have no fear, the Medisave will be tweaked to cover things like congenital illnesses. I don’t know just how much would the Medisave cost and be able to do with a $150k bill? I also don’t know how big is the bill in the B Class ward if mean testing says one cannot be warded in C Class ward. Thank god, they have tweaked the mean testing and allow those who pass the testing to stay in C Class ward but with lower subsidies. Does it mean that ultimately the bill will be nearer to B Class wards that they try to avoid? World class hospitals need world class patients with world class bank accounts to pay world class bills.

The issue of drums, cymbals and gongs

The new directive on what can or cannot be done during Thaipusam is going to become very contentious and a very difficult position to defend. The policy is going to cut very deeply into the credibility of the decision makers. In my view, the thinking behind it is half baked as the repercussion across all community festivals will bear through its naivety. The closest policy in the same vein is the banning of a bicycle event in East Coast Park, very similar thinking, and very short sighted. The controversy will only grow with everyday and with every festival in our multi cultural society. The danger of big festivals is obvious. The death toll of a cultural event in Cambodia was too vivid and recent to be forgotten. So were the cases in India and Saudi Arabia. In huge crowds driven to a frenzy, any small mistake will be multipled and can become a disaster or a tragedy. Even our National Day Celebration or New Year Eve Count Down could turn ugly. The trick is how to manage and control the crowds in big events. The bigger trick is how to introduce directives and manage an event sensibly and fairly without being seen to be discriminatory. Ah, the art of govt and the skills of the policy makers are very demanding in such circumstances. Any half baked idea will quickly back fired.

The man and his thoughts

The Hard Truths was a book about the ideas of a man, his thinking, his perspectives and how he related them to nation building. The reactions to his thoughts are expected from the respective corners of the communities. The rational and objective will analyse and rationalise what he had said. The irrational will react irrationally. The racists or extremists will behave as they are. A whole spectrum of reactions will go through its motion in respond to the sensitive comments in the book. Why would a man who could live life peacefully, kissing children, touring schools to tell grand father tales, did a thing like this, penning his personal thoughts and beliefs that obviously will incur the wrath of the wrong people? The Chinese have a saying, ‘Eat too full, nothing better to do.’ Is this the case of a man who is out to draw flaks on himself? Some have now accused him of chauvinism, racism, anti Malay, anti Islam and many things along this line of thinking. The polite ones will say they disagreed with some of the views expressed in the book. Did he set out to tell the world that he is a chauvinist, a racist, anti Malay or anti Islam? It is important to understand the agenda of the book and the hard truths. What does he want to achieve by saying the unpleasant things at this time of his life when he could say all the good things, all the politically correct things, niceties and to be praised and remembered as someone with kind words? If the readers of the Hard Truths miss out what he set out to do, or intentionally refuse to understand the bigger things, it is a cause lost. The book is all about the pitfalls that could untangle all the efforts in building a cohesive multi racial society, national integration and nation building. Unfortunately not everyone is sensible and composed when issues of race and religion are invoked. The primordial instinct of tribes and religious purity will surface to rule the day and hijack the agenda, even turn it into a contentious issue that requires apology or else. What is there so disagreeable or difficult to agree in the Hard Truths? Is accepting the Hard Truths so difficult and politically wrong? Compare this to the closing down of Nantah in the early days. That was a hot potato, highly emotional and touching the raw nerves of the chauvinists. Till today, the chauvinists have not forgiven the decision maker. Having Nantah teaching mainly in Chinese was divisive in a way. The graduates will present a serious social and political problem if their limited command of the English Language makes them less relevant to the national effort of integration through the primacy of the English Language in government and commerce. The chauvinists will argue that it is as relevant then as it is today. A difference in opinion, just like some will claim that whether under Lim Chin Siong or anyone, Singapore will still be what it is today. The point I am making is that the agenda or motivation of the incident was about national integration, not anti Chinese or trying to kill Chinese education though the direct effect was exactly that. The man and his motivation was and is all about how to make the country relevant and survive despite the opposing forces pulling in different directions. More flexibility, give and take, adaptation and accommodation are needed from every corner to the bigger good of the nation. Sticking rigidly to ones own little corner will undermine the effort of national integration. The Hard Truths was nothing about anti this group or that group. The intent is there for those who want to understand and appreciate it. For those who chose to deride the book and feel offended, it is all a matter of interpretation and looking at things from their own little corner and interests.

$147k for a C Class hospital bill

Tan Guan Seng, calling himself an average Singaporean worker, was served with a C Class ward hospital bill from NUH. After deducting from company’s insurance, from Medisave, Medishield, he is still left with $50k outstanding. He probably forgot about the 3rd M which could reduce his bill to $8 like someone with a major heart operation. The facts of this case include the following: it is a work accident so no subsidy. The family ‘request to upgrade him to a private ward, the hospital’s staff informed her that the estimated bill would exceed the quantum to be borne by …Work Injury Compensation Act …at a cap of 25k.’ Also hospital has discretion to downgrade when it found patients may have difficulties to pay. Did the request for upgrading got through? Did the hospital downgrade the patient subsequently? These were left hanging without confirmation. As they were mentioned in the hospital’s reply, they must have happened. Otherwise they were unnecessary information to talk about. There were several issues that are interesting. Firstly, Singaporeans must be thankful that their lives are now so worthy that hospitals could easily charge them a few hundred thousand for admission. People with cheap lives will not pay such ransom and choose to die. The Work Injury Compensation Act needs a revision as the quantum provided to protect work injury accidents is definitely inadequate. The minimum sum insured should be at least $150k and increasing every year to meet the rising cost of hospitalisation. Insurance companies are smiling now. The vicious cycle is starting, much like motor insurance. It seems a norm that patients admitted to hospitals would like to upgrade, like upgrading from HDB flats to private properties. No one seems to ask how much would it cost. Or they may believe that with 3Ms, they only need to pay $8 or around that sum. The question is why the hospital never do a mean testing to make sure that patients who cannot pay cannot be upgraded? It seems that mean testing is to ensure that patients should stay in more expensive wards than the other way round. Oh, in this case the hospital did a downgrading subsequently I think. Otherwise the bill could be $300K. There are many issues and things to do to ensure that workers can afford to pay for their expensive lives. For one, the govt should not encourage the mindset of upgrading in hospitalisation. Perhaps only two classes of wards should be provided to keep the ignoramus out of harm and suddenly claimed ignorance and unable to pay when a handsome hospital bill is presented to them on a gold platter. (Come to think of it, this should be the manner to serve a bill of that size, by a specially appointed emissary). Just have a ward called Very Expensive Ward for the rich and those who can afford to pay. And Very Good Ward for the rest of the people at subsidised rate that is ‘affordable’ to the masses. Calling it Very Good will make the masses feel good. And calling the expensive ward expensive will remind them that it will not cost only $8 but $800k. Simple people need simple solution. The masses have a thinking brain and thinking pattern that are very different from the super talents, and very strange. The smart ones will always want to be admitted to cheaper wards which ended with a reprisal in the form of Mean Testing. The silly ones just don’t care and would want the best wards even if they cannot afford to pay. Paying is the last thing in their minds. Maybe the govt should seriously consider applying the mean testing to make sure people who cannot pay be admitted into cheaper wards and not the other way round. Of course there will be outcry by the people who would accuse the govt for not seeing them up and ill treating them and putting them in low class wards. That is why I suggested only two types of wards. Very Expensive Wards and Very Good Wards to cater to the rich and the masses.

Clever or stupid question?

William Choong, senior writer of ST, asked a Chinese professor and a Chinese Ambassador about transparency and Chinese military build up. And he deservedly got told off by the Chinese for asking those questions. Why wouldn’t he ask the Americans for more transparency in their weapons development and what their military arms were for? I believe the Americans will tell him it is just a hobby, or toys for the big boys to play with. Would that be good enough answers for him? There is this group of analysts and reporters who have run out of wits and did not know what to write, and so whenever they see a Chinese official, they will ask the same stupid questions. What are China’s military build up for? The Chinese should simply say, to screw your arse. China had been a victim of foreign aggression and nearly lost its independence as a country because it was militarily weak. Does that answer all the silly questions? A smart analyst will know what military weapons and soldiers are for. There is no need to announce their stupidity in the public. The stealth fighter is a problem? What problem? What is the range of the aircraft and its armaments? Can it fly to the US? Yes, it has attack capability. But with its limited range, it is good only to defend the Chinese coast against enemy attacks. And when the enemies are at the door step, what should the Chinese do? Do I have to explain what an aircraft carrier is for? I hope no military analyst or expert is going to ask that silly question. Just look at its range, and the weapons it is carrying. Yes, an aircraft carrier is to party. It is an offensive weapon! William Choong wrote in his article today explaining his line of questioning. He said, ‘…my question had been open ended and harmless…I had posed a question that was deemed a tad too critical.’ I must praise him for his child like innocence. The Chinese reply to his childish questions was most appropriate though he thought that the Chinese were over reacting. And no, the Chinese were not trying to be smart. They were smart. And definitely they were not incompetent and did not want to answer silly and naïve questions. The Chinese should adopt a practice to say, ‘We don’t answer stupid questions. Next please.’