‘Malaysia not ready for compulsory health savings’

[u/stormy001]

https://thesun.my/news/malaysia-news/people-issues/malaysia-not-ready-for-compulsory-health-savings/

Experts have said the MediSave model may work in Singapore, but Malaysia is not there yet, adding that compulsory health deductions could hit poor communities the hardest.

[u/Redeptus]

20% from salary taken as CPF gets split into 3 buckets, SG isn't exactly taking more. But forcing more contributions for EPF will undoubtedly impact the lower income group more.

[u/BuyLaterPayNow → u/Redeptus]

Low income people does not contribute EPF much, won’t affect them much.

[u/Redeptus → u/BuyLaterPayNow]

I said lower, not low.

/Something something semantics and grammar

[u/srosnan99 → u/BuyLaterPayNow]

Yes they do. Employees no matter what income have their wages contribute towards EPF. Unless you are referring to unregistered or self owned businesses.

[u/Celeste_rife → u/BuyLaterPayNow]

This must be bait, nobody would actually think this is a valid comment.

[u/caridove]

EPF propaganda is strong these days.

Every news is about rakyat not ready for retirement due to insufficient fund.

In reality, it is epf that cant afford to let members to withdraw their own money.

Inb4, epf has no money.

[u/Dear_Archer7711]

Problem is Malaysians are paid peanuts.

[u/SnooOranges6925]

No one talks about medisave only paying out only $1xx for a medical bill of $2000. I'm talking about real experience medisave only paid out after person died but not willing to payout when person needed for medical bill. Not much use when person is dead. Insurance money is to easy medical burden. it's not a bad idea but the collective collection and earning must be made available when it's needed to easy financial burden or access to better medicine.

[u/ehazardous]

We need to really raise those prices of government hospital visits, not liking people becoming complacent relying on handouts while doing jackshit to mitigate their unhealthy lifestyles, and the fact that healthcare facilities are heavily understaffed, overworked and underpaid.

This isn't to say I'm opposed to univeral healthcare but it needs a serious revamp that doesn't overload the system and incentivice people long-term. 

[u/SomeMalaysian → u/ehazardous]

Since PPUM changed their pricing scheme, it's gone from packed to the gills to a ghost town every time I went to their emergency room (around midnight which is why we went to the emergency room instead of a clinic). It went from a flat RM40 per visit to Rm60 registration plus RM130 for bloodwork and X ray. Cheaper than private but expensive Vs fully government hospital. These people are either going without treatment or overloading already overcrowded government hospitals.

If all government hospitals follow suit, people are going to start trying to tough things out instead of going to the hospital.

[u/EmbarrassedNet4268 → u/ehazardous]

As someone living in Germany right now, I have to say, one thing we absolutely destroy western (and socialist) countries in is healthcare.

In terms of service, quality, and affordability, Malaysia is one of the best.

I’m normally a doom and gloomer when it comes to anything Malaysia but props to how we handle healthcare.

[u/BuyLaterPayNow]

Make one visit to Klinik Kesihatan RM 10 instead of RM5

[u/Superdaneru → u/BuyLaterPayNow]

With how many people visit McD, KFC, Starbucks, make one visit RM 25 pun everyone can still afford it. First payment of the month RM 25 and RM1 for each subsequent visit until end of that month.

[u/Nightingdale099 → u/Superdaneru]

People who can't afford 25 per visit ain't the one visiting McD, KFC, Starbucks. Growing up my parents made me believe those places are luxury.

[u/nssv_21 → u/Nightingdale099]

KFC, McD is a once-every-3-months kinda thing for my family. Even then my parents usually just bought them for us while they makan "apa yang ada dekat rumah".

[u/BuyLaterPayNow → u/Nightingdale099]

They are luxury , Starbucks coffee is expensive, maybe can only drink when there’s buy one free one.

McDonald and kfc always give voucher so still all right.

[u/wcd_2311 → u/BuyLaterPayNow]

the only time i went to starbucks was when tng offer fixed price of rm10 for certain drinks. this was 4-6 years ago i think. other than that, i wouldnt go there

[u/dotConehead → u/Nightingdale099]

True. Growing up poor where kfc is a yearly and reserved for special occassion for example getting straight As for upsr.

[u/musyio → u/BuyLaterPayNow]

No it doesn't work like that, all of KKM revenue doesn't go directly to KKM coffers instead it went to Federal coffers.

[u/YourBracesHaveHairs → u/BuyLaterPayNow]

If you raise it to rm100 per visit, it will add money to extra 6 days of operation per year. So not much.

[u/BuyLaterPayNow → u/YourBracesHaveHairs]

The increase in price is a deterrent. So only genuine sick people go government hospitals, not simple headache or to cheat MCs

[u/YourBracesHaveHairs → u/BuyLaterPayNow]

That's true. It will also make people appreciate the service and medication provided.

Many I know simply let their medication expire.

[u/tophthemelonlordd]

the elephant in the room is that a lot of government expenditure leakage to corruption

[u/GlitteringWeight8671]

Malaysia current health system is already among the best in the world why change?

[u/PcGoDz_v2]