Falling Sick, And Knowing Where Our Money For Health Is Going To

I woke up, feeling a gnawing pain in my stomach. It was about 3am in the morning. I gave my stomach a rub and grimaced. The pain had woken me up from my sleep. I laid in bed, as the sheering pain came and went, and this repeated itself for the next hour.

If this had happened while I was still employed, I would have gone to the hospital to seek emergency help. I would be able to claim from the company health insurance.

However, as it was, I had lost my job and I couldn’t make such a quick decision. What used to be an easier decision as to whether to go to the hospital became a very serious consideration.

Whether To Go To The Hospital Is A Very Careful Decision For Many Singaporeans

Should I go to the hospital to seek medical help, or should I stay at home and wait out the pain, so as not to bear the heavy medical fees?

I began to think through what medical procedures I would need to go through if I were to go to the hospital. I would have to pay for the consultation fees, for any tests that would need to be done, for the medication etc. But how would I know how much these will cost? Tens of dollars? Hundreds? Will it go above a thousand?

I had some savings to tide me through, but if I had to spend a thousand dollars in one shot, it would set me back heavily, in my current circumstances.

Then, I started thinking about how I would need to get the information on the costs. I could call up the hospital and ask them to detail to me the procedures that I would need to go through if I had gone to them, and how much each step of the way would cost. Or I could try to ask around if anyone knew about the costs.

But it doesn’t matter, would it? The costs would still run into the hundreds, at least.

But you know, this situation might be new to me, but it’s not to many Singaporeans who have to go through this on a constant basis. Just a few weeks ago, a friend was telling me that before the family had to send his father to the hospital for his cancer operation, they had to do the sums to determine how much the operation would cost, how much they would be able to pay, and how much more they would need to source for funds to cover for. They then had to decide if they could afford to send their father to the hospital. This took time and wasted precious time which could have allowed the family to send their father immediately to the hospital to seek urgent medical help.

In the end, if the costs are deemed too exorbitant, or a person fears the escalating costs just to see a doctor, a person might choose to continue being unwell, rather than see a doctor.

Citizens In Other Developed Countries Are Protected For Their Healthcare

This got me thinking. In Hong Kong, for every visit to the hospital, a citizen would need to pay only a maximum of $20. In Norway, a citizen would only need to pay a cap of about $400 in a year. The system in these countries give you a peace of mind, where you know that you can still seek medical help if you need to, no matter whether you are rich or poor. You do not need to fear that costs can grow uncontrollably.

However, in Singapore, there is no cap or maximum amount that Singaporeans need to pay. It was revealed that there have been people who had to pay more than $10,000 for their medical bills, or even $20,000. How on earth were they able to get that sort of money?

In Singapore, the average a cleaner earns is $850. A research has shown that for the poorest 30% of households in Singapore, they have to spend 105% to 151% of their incomes. This means that low-income Singaporeans would never be able to save for their whole lives.

Where would they be able to have the savings to pay for their medical bills? I had asked a financial adviser before as to whether low-income Singaporeans would be able to buy insurance. He shared with me that they would either buy the most basic of insurance to cover any work-related accidents, or that they would not be able to afford insurance. This means that they wouldn’t be able to have any additional medical coverage.

There is Medisave and MediShield, but of total health expenditure, Medisave only covers for 5.5% and MediShield covers for only 2.1%. The government might champion Medishield as being universal but when it covers only 2%, this is hardly universal and hardly adequate.

Today, Singaporeans have contributed $66 billion into Medisave but last year, we could only use 6% of this. Worker’s Party’s Gerald Giam had also revealed that Singaporeans had paid nearly $4 billion into MediShield premiums but are only able to claim back $2 billion in claims.

Should Singapore Do More For Singaporeans For Healthcare?

As I laid in bed, these thoughts ran through my mind. Now that I am unemployed, I’m placed in a situation that has allowed me to look at things from another perspective.

Whether or not to see a doctor is no longer such a straightforward decision as to just walk down to the clinic or take a taxi to the hospital. All these cost money. And if you are not paid adequately in wages, and healthcare is not adequately subsidised, then all these decisions have to be very carefully and tediously considered.

It is no wonder that we hear of stories of many Singaporeans who have chosen to forgo seeing the doctor, and had to remain sick. It is no wonder that many Singaporeans have chosen to die instead of seek medical help. Some families have also resorted to selling their homes so that they could seek medical help.

I can’t help to ask – is this something that should happen in Singapore, when we are today one of the richest countries in the world, and have the highest concentration of millionaires in Singapore? We might be proud that we are a rich country but where the poverty is estimated to be as high as 26% in Singapore, this seems almost inhumane.

Today, the Singapore government subsidises only about 30% of total health expenditure. Other countries of similar wealth spend about 85%, so their citizens are adequately covered. Also, companies in Singapore are made to shoulder a heavy burden of the medical costs through purchasing health insurance for their employees. But for low-wage workers, such insurance doesn’t always happen. And thus low-income Singaporeans have to bite the bullet instead of go to a doctor and have to stay in bad health.

But, is this necessary?

I laid on bed for the next hour, hunkering down with the pain. For me, this might only be for an hour (until the next bout comes again), but for many Singaporeans, they have been going through this on a constant basis, throughout their whole lives, or for some, the later part of our lives.

Low wages, low health subsidies, health insurance schemes such as Medisave and MediShield that provide little protection – these all add up together to prevent a segment of Singaporeans from being able to adequately take care of themselves, no matter how hard they try. Self-reliance then becomes a broken concept, when one doesn’t even have enough to rely on for oneself.

The government needs to understand that Singaporeans are not envious. The large majority of Singaporeans do not need the wealth that the politicians have, and do not aspire to have so. However, what Singaporeans want to know is that our government is taking care of us. If the government believes that it’s doing its best, but where the people think otherwise, then there is a mismatch of expectations, and a lack of understanding of the needs of the people.

What Should Our Values On Healthcare Be?

It makes one wonder, what then is a government’s responsibility? What should their priorities be? To take care of the people? To protect the people, at least in the basic areas, for healthcare, education and retirement?

If so, how should a government prioritise it’s funding areas? Are we overspending in defence (Singapore spends the highest, as a proportion of GDP among developed countries)? Are we underspending on healthcare (Singapore spends the least, as a proportion of GDP and total health expenditure among developed countries and one of the lowest in the world)?

Also, in 2012, there was a surplus of $36 billion in the government’s coffers. In 2013, there was an estimated $30 billion in surplus. Increasing spending for healthcare will only amount to a small proportion of the surplus.

The question now isn’t whether the resources are available, but for the government and as a country, what are our priorities? What does our heart tell us to do?

I’ve always believed that we need to increase health expenditure to protect a larger segment of Singaporeans. But now that I am placed in a vantage situation to understand this, I am even more convinced of this.

The Government’s Role And The Need For Transparency And Accountability In Our Health Finances

A government cannot govern in a way where they believe in giving the people just enough wages to pay for what they need, and subsidise essential services so tightly that its citizens live in fear, by each day, not knowing if there’s enough to get by.

A government needs to calculate how much its citizens would need to be able to life adequately and with dignity, and provide the subsidies required that would allow them to feel secure, so that they can continue to give back to society.

Indeed, how are the Medisave withdrawal limits and MediShield claim amounts calculated? Why are there still significant amount of surpluses in the Medisave and MediShield balances? When the Medisave was introduced in 1984, Mr Toh Chin Chye had spoken up and said that the government was was running “two parallel welfare schemes”. If so, are Singaporeans paying double into tax and Medisave, but receiving only one time of what we have paid back? This once again, calls for transparency and accountability in how the government manage our health finances.

Is the government able to provide reports on how their calculations for the health subisdies, Medisave and MediShield? Can the government provide a full cash inflow and outflow reporting of our health finances?

When the people’s health are taken care of, they become more productive and they will only help to grow the country. As much as welfare states seem frivolous to some, this is their thinking, which is why they spend on healthcare and education, with the understanding that in the long term, this will only benefit the country and sustain the growth into the future.

When we understand the lives of others, and when we step into their shoes, this gives us a new perspective. Is health economics the best way to run our healthcare system? Or should we go back to the basics of what healthcare should be about – to protect the health of the people?

To me, the answer is now clear. But would the government be willing to change its ruling fundamentals? Or do more people need to become unemployed or be pushed into poverty (as is happening now) for this realisation to take root?

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133 comments

  1. SG Indian Ah Lian

    Roy Ah Nei, you have surplus donations of $40K, why not go to hospital for a proper check-up?

    Also, Jesus Christ is a great Healer. Pray to Him and receive your healing by faith.

    • landragon123

      High Ah Lian, if faith can cure like my son who called others FATHER without see him and talking to him but give him 10%, you must be mad like my son.
      Curing for illness is by doctors, sinseh or curing yourself with proper fresh fruits and veg and now there is an ION Negative Clothing which helps and improve your blood flow. This is a miracle under garments which when wear regularly and best is 7/24. Visit http://www.idragon111.con

    • landragon123

      No, it include false statements that IMH sent to me for not visiting them. Amy KHOR wanted to answer me on these bills I received from the Hospital when I did not visit them. So when the hospital is short of cash, there sent false statements to you hoping you did not look at it and pays them. Maybe this on of their ways to made extra when there have lost most of our CPF (Compulsary Provisions of Fundz for the PAP) in China in particular and many of their linked companies such as SMRT, trying to change the TRACKS and when it cracked, now changing Sleepers which is a permanent part of a train whereas a train have only one moving part, that is the wheel. Just changes the WHEEL all at one go and the noise and rocking of the train is smooth as silk. If I am wrong, correct me but the Singapore Most Retard Teams does not know that as there are managed by 3stars generals.

    • landragon123

      The opposition cannot reduce hospital bills as well. Now these are 3 of my solutions. 1) those cornice patients who goes back regularly to collect medicine need not see the doctors if their conditions does no change, jus issue them their medicine and the doctor’s time is save and less cost. 2) The DOGS told us that High Blood Pressure is Permanent and you have to feed them for the rest of your live and there is a saying, when you are old feed the DOGS. There is only 2 sets of Blood Pressure and namely 120/80 you are normal and 140/90 you are high. A pack of lies issue by the medicine maker to our Singapore Government and who than issues it to the DOGS. Let me tell you, Blood Pressure grows with your age and the older you are your pressure will goes up and now I AM 70, 180/100 I AM only borderline and does not needs medicine. You have to die just die and do not follow our 1st PM who is afraid to die and now at 90 still have 6 to 8 body guards to protect him. When he goes to SGH often it was almost sealed off to made sure nobody kills him there. 3) but not the last, We are ask to see the DOGS when my family call them to see me. I AM at home and the hospital KNOWS I AM sick and came to my house to visit. Just a call to the hospital and there rush to see you. Now when family made false reports there are not charged but instead there charged ME??? It is IMH is crazy or the GOD is crazy or my wife or daughter OR me who never beats any one in my life, never scolded my wife and we slept in the same bed and the JUDGE at family STATE Court awarded a Protection Order when my wife admitted to all above said.

      • landragon123

        Sure is borderline. Go get a meter to measure your BP and in it is a table to tell us at what age, what should be your right readings.
        The government gets instructions from the medical makers that 120/80 is normal and 140/90 is high and this is bullshit, Ask the doctors or the meter makers who is correct? I only think the meter maker is to be trusted, not the doctors for when there use these reading, we will feed them when we are old for most old people will have reading above what is set by the government and it doctors.

  2. Javert

    Don’t worry, even if LHL sues you dry in the civil case, at least you still have your CPF and Medisave to cover medical expenses.

    Though I’ve heard there was this guy who alleged that our leaders were stealing from that fund and suggested that it’s really empty… Oh wait, that’s you!

  3. sandy

    Sometimes i will ask my client why you need to borrow money for medical while your medisave have so much $$$$ ? Most of them will just replied ( knn can see can touch but ONLY PEANUT !!!! ) ohhh ic , thanks to the G policies , i got lots of business !

    • landragon123

      Yes, you can use for poly clinic for bill over $60 and co-pays abou 20%. Insurance need co-pay to cut premiums but Medisave is our money why should there be co-pay?

      • Deaf Frog's toothpick

        @landragon123

        co-pay to discourage ppl from deliberately consuming too much healthcare?

        the joke is,

        i parroted to a coffeeshop philosopher today that: “CPF is your money, nobody can take it away from you.”

        and he said: “yes, nobody includes myself”

        it’s probably a half-truth, but fun.

    • More PAP Bullshit

      Fuck you lah!
      At mid-night, polyclinic is open is it ?
      – you think we so free to go to emergency department is it?
      – may a thousand fleas infest your daughter’s pussy and may she wait 4 hours at the over-crowded emergency department

      • uncle tan

        And the question is why is the emergency department so over-crowded? Cos of people with “emergencies” such as cold, flu or sore throat. Emergency department is for people with emergencies such as car accidents or having severe pain that they can barely move. Definitely not for “sheering pain that went away in an hour”

        There are also clinics that are open 24 hours. You dun need to go emergency department for minor ailments.

  4. ryu

    Go visit the bomoh king in malaysia. He very powerful one. Can cure u of ur nightly cramps.
    Maybe we can even use the money u raised so far to get him search for our cpf money!

  5. True Singapore

    The useless CPF system is not worth protecting. It is the worst managed system ever on the entire planet earth. Just compare with Switzerland and their 8% interest or Malaysia with their 7%. Singapore CPF looks like shit and smell like one. I am glad Roy is working to dismantle it. Don’t compare with thrid world countries for third world leaders are not paid millions. Singapore CPF should be the best in the world since we pay the highest salaries to our leeders. LHsiL, besides earning millions as a PM, he is also earning millions on the side as GIC chair. Why is he earning double income? And how many millions is his family earning on the side? I remember Geek Choo earning millions because her law firm is the annointed firm to handle HDB transaction. Last time don’t have conveyancing, they created something out of nothing for their familee. Then how about the special property discount that Tang Liang Hong sounded out. We all know these people cannot be trusted. Only idiots will keep worshipping the devil.

    • TT_Du

      how so bad, other countries want to copy? so bad and you use it to pay for your house ah? since you can remember TLH means you should be in the late 40s or 50s. Your hse was funded by CPF.

      leave the country loh, if it is so bad. try malaysia, i am sure it is number 1.

      please dun give me the BS that it is your country why you shuld leave. It is pple like you, half baked but yet pretend to be hero. no countries want one man, that is why you are stuck in singapore.

      • True Singaporean

        hmmmm seems more PAP dogs barking……..

        Sorry I dun have bones for you guys at the moment.

  6. More PAP Bullshit

    “co-pay to discourage ppl from deliberately consuming too much healthcare?”
    – Fuck the PAPigs lah!
    – you think we so free that we purposely go to hospital for fun is it?
    – enuff PAP bullshit
    – VOTE OPPOSITION

    • Deaf Frog's toothpick

      lol,

      GST for basic necessities like rice cannot be adjusted to 0% so as to discourage rich ppl from deliberately consuming too much rice?

      sounds familiar?

      • Deaf Frog's toothpick

        your argument is based on a technicality, it’s like saying you are not going to have sex because cannot determine which condom to buy, these are stupid arguments.

        how to decide is simple, set up a stat board. ok thats a joke, but thats what some party is very good at doing.

        setting up an independent commission like the current public transport council will be more than enough draw the line.

        the question is whether variable GST is superior to flat GST, if variable GST is superior we implement it regardless whether some idiot wants to argue that a $8000 branded handbag should be considered a necessity, if we have to take into consideration the opinions of idiots and clowns, all our current policies can be abolished.

        flat GST is a regressive tax, that explains the handouts.

      • uncle tan

        Well maybe a stat board might be the solution but i would say that variable GST would unnecessarily create a more complicated business environment. I also think it is mightily difficult to be able to decide what are necessities and are not. And also the handouts allows the government to target the groups who truly needs it.
        well usually the idiots and clowns are the ones who are the loudest and imagines that everyone shares their opinions. We have plenty of those in singapore who shares the delusion that holding regular meetings with catchy slogans in a certain green field will bring down the government. They are also the ones who howls the loudest saying that they are being ignored and oppressed when their demands are not met. In this age of internet and social media, unfortunately we do have to care about these people lest we get villified on a blog or on one of those ever reliable alternate media sites.

      • Pasak Ah Sor

        Aiyo, garmen veri smart one. Know how to take out house price and car costs and call non core inflation. Essential also dont know ? Dont pretend lah.

      • Deaf Frog's toothpick

        @ uncle tan

        the fact that you continue to argue based on a technicality mean that you concede that flat rate GST is an inferior solution.

        we have investment grade gold bullion at 0% GST retailing side by side with 7% GST gold products, it’s something that is already being done, obviously the government do no see what is so complicated abt that.

        don’t try to pretend you are the civil servant if you are not the one who is going to implement it, don’t calculate what they can or cannot execute based on your own abilities, thats not your job.

        handouts are remedy action for a flawed system, the very fact that remedy action exists proves that the system is flawed.

        additional, handouts demoralises the poor and breeds a kowtow attitude among some of them.

      • Deaf Frog's toothpick

        @uncle tan

        anyone is entitled to make comments and influence other voters with their point of view, if a person can carry the ground he/she wins in the marketplace of ideas, that is the basic principle of democracy, if the person who is making the comments give someone an opportunity to sue, so be it, the law will take care of it, the discussion goes on.

        idiots and clowns are surely the ones who try to silence the discussion.

    • uncle tan

      Well there are also flaws in the variable GST. No solution is flawless?
      I think you are generalizing when u say that it breeds a kowtow attitude among the poor. I highly doubt they are grateful to the government for the handouts judging by the sentiments on the internet.

      And I disagree with you definitions of idiots and clowns. It also includes people who are already in a big hole and yet continue digging. Well sad to say we can find these types on both ends of the political spectrum.

      • Deaf Frog's toothpick

        @ uncle tan

        well, if there are flaws in variable GST, i do not see why you would forfeit the opportunity to state so.

        since you retreat into what i call the “opinion bunker” you are quite safe there.

        there is very little value in a contest of opinions.

      • uncle tan

        Well I admit i am no expert in variable and fixed GST. Could you kindly point out why it is much better then and which country has successfully implemented it?

      • Deaf Frog's toothpick

        UK has a variable GST(VAT) of Standard 20%, Reduced rate 5%, Zero rate 0%, and i think you should educate yourself before challenging others and expect to be spoon-fed, do i look like i operate a philanthropic organisation? if you need charity, please go to a VWO.

        flat rate GST is a regressive tax.

        problem with regressive tax is that the tax rate decreases as the amount subject to taxation increases, a regressive tax imposes a greater burden (relative to resources of the individual) on the poor than on the rich.

        variable GST is a progressive tax where the tax rate increases according to the type of goods.
        In a variable GST system, the tax rate can be adjusted to 0% or very low rate for public goods and necessities, the difference in revenue can be made up by increasing the the GST rate at the top end for luxury goods.

        it’s the same concept with our income tax rate where there is a different rate for different incomes, if you think flat rates are so good, perhaps you should champion for flat income tax rates?

        or do you believe that those who earn $1000/mth should pay the same income tax rate as those who earn 100,000/mth?

      • Deaf Frog's toothpick

        with flat rate GST, the poor spends a greater proportion of their income as compared to the less poor on basic necessities and public goods, the less poor will not suddenly decide eat twice the amount of rice in the same meal just because it is cheaper to do so in a variable GST system.

      • Deaf Frog's toothpick

        which brings us back to,

        co-pay for healthcare to discourage ppl from deliberately consuming too much healthcare?

        GST for healthcare cannot be 0% so as to discourage the rich from consuming too much healthcare?

      • Deaf Frog's toothpick

        ppl will deliberately consume more healthcare than they need to if it’s GST for healthcare is 0%? u really mean DELIBERATELY? really?

      • uncle tan

        I did not challenge you. I merely asked you questions. I thought you were a supremely wise and kind individual who would gladly share your knowledge with us, lesser mortals

      • Deaf Frog's toothpick

        @uncle tan

        ok now u changed your gravatar, or is someone impersonating u?

        what’s next? the usual trick of claiming that “someone” is misusing your online nickname and therefore there is a conspiracy against you?

      • Deaf Frog's toothpick

        as for this other “uncle tan”,

        the fact that you try to look for some supremely wise and kind individual in a comment section of a blog suggests that you probably need a cup of strong coffee and cold shower.

  7. Vincent Ng

    Try to get back to work as soon as possible so that these and many other such problems won’t take up your free time. Get back on your feet first. Most of these problems are personality-based. By that I mean karma takes its tow when the right circumstances arise. And in Singapore right now the circumstances are right for many people. Only the very wealthy do feel a slight dent on their pockets. The rest of us will be terribly hit. Changing the govt policies and seeking help will be a bigger fight – and fight we must. Is 2016 going to do it? Probably not by the longer future looks bad for the PAP if situations persist.

  8. Ivan

    Hi Roy

    Will you help the 71 year old man who got into trouble for vandalism in support for you?

    After all you do have quite an excess in donation and the poor old man is facing much more serious charges as compared to you.

      • Peter

        Roy, since you are fighting for singaporeans. why no help is extended to the 71 year old man?

    • landragon123

      Ivan & TT_Du, What the old man did is something else for our fight here is to get PAP tell us where is our money, where there lost it and how there lost it. CIG and Tamasak are run by our Lee Families, the father who is 90 and the ;younger army officier who take over Tamasek after she lost S$700Millions. In the Lee finances, when you lost money, :YOU got promoted whereas for others is sack if that happened.

      • tt_du

        ld2234,

        what kind of english are you using? huh?

        “What the old man did is something else for our fight here is to get PAP tell us where is our money, where there lost it and how there lost it.”

        simple singlish can a not?

      • 71 but 17

        LD 123,

        we are asking ROY to give some extra $$ to the 71 year old man. what talk u?

      • Ivan

        I think you are confused, landragon123, the donations are for the court case to determine the damages Roy will need to pay to LHL for making an unfounded insinuation NOT to get the truth about CPF.

        They are two completely different matters. People are willing to donate to Roy to help him with a court case that occur because of his rash action, which is similar to the rash action that the old man committed in support of Roy, so just because the old man does not have a blog, he can be forgotten and ignored? When the old man will face much more serious consequences as compared to Roy.

  9. ravi-hood

    How come RAVI is not doing probono for the 71 year old man? is it because there is not much publicity to be garnered from there?????

    RAVI, how? ravi-hood not working?

    • landragon123

      Roy money is for fighting this legal case and not to give as he like. Only Harvest can do what there like, $25 million to mad a singer?
      If singer can be made there will be singers walk the back lane and we Singapore becomes a SING country, I mean SINK country with money loss, run by a sick PM and defenced by a Doctor, no it is a surgeon, cutting your flesh and draw your blood.

      • Peter

        you are his manager?

        talk the walk and walk the talk. 71 year old man is in trouble because of him. Blood is on ROY;s hand. he said and wrote he is fighting for singaporean. why keep so quiet about it? he needed 71kplus now he has 100k+.

        Talk is cheap. u can blog all you want, talk all you want on the stage. when it comes down to $$$, it is all for one and one for one.

        btw, there are lots of singers in singapore. stop staying behind the computer and take a walk.

  10. dr_ng

    is this a talk-cock bullshit story? So in the end what happened? did u crawl to the hospital? how did you do your business case while in deeeep pain? idiot, it is probably non-life threatening which can wait till the next day. most likely, you forgot to shit, becuase you had too much bull?

    giving you the benefit of doubt, A&E are not meant for stomach aches. it is for accidents, heart attacks etc. a non life threatening.

    Also, claiming from insurance for such things are reason why free medical is killing other country budget. You are one irresponsible Bastard

    • landragon123

      Dr_ng, there are many bastard in this world, those who called other FATHER, the one whom there never see, never heard and did not bring food on the table. The blood father is call daddy. On the same table there thanks their FATHER for bringing home the food cooked by the woman in the house. These there did not see, and what there saw was in their stupid head, my FATHER bring home this food, Amen!

      • dr_ng

        u must be couple of generations past me. Generation gap very big. no wonder i dun understand what you write. women of my generation also brings back bacon and men of my generation also cook. some men cooks better than ladies. Also, so what being a lawyer or doctor. We are here to serve the people. Spewing half truths are poisonous.

        miss-use of A&E and insurance are no forgivable. u are denying someone else of the care to be alive. worst roy makes a case out of it.

        take care, old daddy. hope you have

    • landragon123

      Peter, I AM sole director of Land Dragon for 38 years and in business for 52 years. You not born when i start business, so don’t walk and talk, those are the people using Iphone, buy half eat apple and try to show off by walk and playing games at the same time. There are jay walking, did our sick PM try to arrest them?

  11. landragon123

    Ravi is a lawyer, a man like us accept he is like me BIBOLA and we are mad as the DOGS called us. But mad Bibola can bite when bitten can made you rabi. Stop fighting for that 71 years old man for I AM also 71 and what I did here is even more serious and can also be sue and I hope Ravi will help if that happened.
    Ravi is higher than me, as we shared the same building, PP Centre, he is on the 5th level whereas I AM on the 3rd. As a lawyer he have to be higher for he have a law degree but my Singalish needs no school?

    • Peter

      I really want to hear where Roys stand on the 71 year old man. Roy stirred him to actions. Roy now has surplus. Why did roy not extend help to the old man? Is this the kind of society we want or what Roy is fighting for? With surplus roy keeps in his bank. Roy let 71 year old man rot in the prison.

      Sounds familiar? This is what roy wrote about. When time to act he chickened out. Rather keep the surplus in his bank.

      What kind of man is roy?

    • landragon123

      Peter you right, he may seen by a DOG and tells him his is Bipolar, needed to be Hospital for live and may lost his life inside IMH. The old man never ask for help, if he ask, we start a new fundz for him, Is that a better solution than barking until the cows comes home.
      We may not have a home if you all wants your CPF back BUT getting the medisave back will be a better idea? What think U?

    • Sure or not

      The funding from the public is meant for Roy high court case. It is a breach of public trust if any money is taken for other purpose.Any damages will typically be above $250,000 unless the PM is kind enough to demand less.

      • Ivan

        I am sure that people will understand if Roy states openly on his blog that he is going to give some money to help the old man. No one is asking him to donate the whole sum to the old man, just a sum to help the poor old man and maybe post on his blog to ask Singaporeans who donate to Roy to donate some money to this old man at the same time.

        It’s time Roy should practice what he preaches about helping fellow Singaporeans.

      • tin tin

        Roy,

        why do quiet? u preached helping singaporeans but after taking the money and dragging a poor old man to the court, you kept your silence. you now have surplus (40%), like you said, small amount to alleviate the old man’s pain.

        are you leaving a fellow fighter to die on his own?

    • chua

      Roy,

      there are lots of call for you to help the 71 year old man. what are you doing about it? he is a singporean.

      chua

  12. landragon123

    WE will win this case and for the 1st time and there is 1st time for everything. LKY with his wife support, won his cases but their son is not a lawyer and only a 3stars. If he have 4 or 5 stars, he may win. I will volunteer as a witness if RAVI think I AM capable to beat our sick PM in this battle of 1/2 century.

  13. friday

    Grandfather story. U got hands and legs… go do some manual job… take up these jobs that foreign workers do so we have 1 less foreigner here. Or work for Aljunied hougang blah blah town council as cleaner… they are in need of hands and legs. Use your hands and legs more and less of your mouth. What if i dont work and what if i have a family and they depend on me for food? What if i.. what if.. what if i was never in existence.

      • The Oracle

        Why? So you can lose it playing mahjong? The government holds the money in trust to ensure Singaporeans save for retirement, medical, housing deposit, etc. SOME people might be responsible and smart enough to invest better but the majority are not financial experts and many would just spend it and complain later when they have nothing.

  14. makes no sense

    Wah lah eh. Roy’s post really no standard. Hahah. It is a joke. He dares calls himself representative of many Singaporeans. Hahaha.

    I just so looking forward to seeing him get sued.

  15. landragon123

    This case is not who is fighting who BUT a man’s courage to speak up to our sick PM but he use wrong words which are libel as his lawyer M Ravi may have forget to remind him about it.

    It was an ant hill but our sick PM needs money to donate and he will not use his own, so sue, get the money and donate and he following his dad footstep for every time his dad won a case it was donated. Please, let me tell you, donating court fines is a SIN and goes against KARMA. Now it is a mountain which Roy have to climb, you still have your legs to climb but many poor people who do not want to use their leg like a car and complained again and again when the COE (Compulsary Organisated Extortion) increased the demands for higher ransome???

      • landragon123

        A sign that you are a owner of Bibola is you needs very little sleep, 4 to 6 hours is enough. You have allot of sex drive and the best is words and ideas comes to you from the SKY.
        If I forget, my mother will wakes me up and when she forget I will be at the TRUE North Poles with her to enjoy the Icy Cold up there. Those MH 370 went there and that is why Malaysia Boleh cannot find them. The pilot was Anwar’s right hand man, the 2 Muslims without passport was recruited by the China man who is from Sinking and these 4 or maybe 5 carryout this never to be found mission.
        Of course there are other stories, but judge which is the BEST and ask the American to give a price. Tin tin, you be the judge?

  16. joseph

    Same comment by same people. Obviously pap faction trying to lay a trap here for Roy by asking him to use the donation for something else.

    What the old man did is clearly illegal. There is nothing Roy can do. The law is clear about vandalism. And PAP, being the vindictive kind will surely want to inflict maximum punishment on him after using maximum police resources to find him.

    Even those bastards landlords who paste advertisements with their hp no are not punished. I am more worried about the fabulous 5 young men who painted the roof top. These will be the first to get caned while the little India rioters get no cane.

    See the difference?

    • landragon123

      The police are good these days, there no need to rind them, it is the public to help find them. Believe me there just put up signs All over Singapore and a good member of the public will comes in with the information.
      Just give an award and this good for nothing informer will do the jobs for the clever police waiting in the office to wait for calls or to made calls to their superior tell them there a police report going on.

    • landragon123

      Are they people who do not pee and there are only one type, the DEAD. Only stupid people give stupid comments by asking others to pee, PEE yourself on the your head.

    • True Singapore

      hahaha. easily influenced by this kind f video, indeed simple retarded mind who lived in the modern world.

      • The Oracle

        Roy Chicken Joke:
        Why did Roy cross the road?
        He didn’t – because he has no idea what is on the other side!

        Roy talks about the NHS in England like it is some kind of magical free system that delivers perfect healthcare – this couldn’t be farther from the truth! The NHS costs over $4,000 each year for every man woman and child in the UK (search for total cost of NHS and read on the nhshistory website). Also, the typically long waiting time for treatment means that more than 10% of patients are waiting more than 18 weeks for the commencement of treatment from the time their doctor refers them to the NHS (reported in The Guardian in April this year).

        I definitely prefer the system here where waiting times are much lower and the total cost (it all has to be paid either directly or indirectly) is also much lower.

      • Deaf Frog's toothpick

        lol, i love jokes, let me share one too,

        this morning i told the coffeeshop philosopher: u know what?, on the internet nobody know you are a dog.

        and he replied: yes, nobody includes the dog.

      • The Oracle

        Extra Note: Roy has praised the UK’s National Health Service (NHS) in previous posts but in this one he chose to praise Norway and Hong Kong. Neither of these countries’ systems are without fault. Norway’s system, for example, is the second most expensive in the world (just below the US) at $7,000 for every man, woman and child. In Hong Kong, the average waiting time to see a specialist in the public system is more than 7 months! If it’s urgent, many people have to go private and pay every dollar. Be careful what you wish for!

      • Deaf Frog's toothpick

        The Oracle,

        don’t be silly lah, every country has their own tradeoffs to make, we have flaws they have flaws,

        but they are not paying a large group of ppl a 7-digit salary each per year.

        performance have to measure up to the pay-scale.

      • Is Our Public Healtcare System Very Slow To Respond?

        @ The Oracle
        You say NHS system is no good.
        “… the typically long waiting time for treatment means that more than 10% of patients are waiting more than 18 weeks for the commencement of treatment from the time their doctor refers them to the NHS (reported in The Guardian in April this year).”

        You also say;
        “… In Hong Kong, the average waiting time to see a specialist in the public system is more than 7 months! ”

        So what about PAP’s healthcare system?
        How fast to see a specialist from the time the polyclinic makes a referral to a specialist?

      • The Oracle

        Roy only states the “good” points of these other systems and there’s nothing about government salaries in this post. And by the way, a few 7 digit salaries has no real meaning when compared to the 10-11 digit cost of healthcare in Singapore or compared to our 12 digit GDP. Do the math! If our politicians have delivered even 0.1% better performance than the idiot politicians typical in many other countries, they have been well worth it.

        Roy says Norway and HK are better but that is either a lie or he is ignorant. You at least appreciate there are trade-offs. I happen to think Singapore has one of the best health care systems in the world and, if you search for Healthcare In Singapore on Wikipedia you will see that I am not the only one to think so.

        The latest Medishield Life changes will also significantly reduce the large bills some Singaporeans face today while still keeping people responsible for their healthcare: Don’t want to pay a hospital bill? Then look after your health – eat right, exercise, etc.! Not all are so lucky but the message should not be “don’t worry because we’ll fix you for free” – as that does lead to more people being less concerned about their health.

        Our system overall works and tweaks as we get richer/the population gets older are the right answer – not some idealistic “free” healthcare for all approach as Roy espouses.

      • PAP's Oracle - You Are Evading The Question

        /// So what about PAP’s healthcare system?
        How fast to see a specialist from the time the polyclinic makes a referral to a specialist? ///

        You also say:
        /// Don’t want to pay a hospital bill? Then look after your health – eat right, exercise, etc.! Not all are so lucky but the message should not be “don’t worry because we’ll fix you for free” ///

        So what about LKY?
        When was the last time he attended a “Meet the People’s Session” ??
        Are we fixing him up for free ??

      • Deaf Frog's toothpick

        @ The Oracle

        salary have to be measured against performance.

        when performance does not measure up, pay is revised downwards.
        ;

        weighing pros and cons are about making tradeoffs.

        tradeoffs would have to be measured against their outcomes.

        ;

        when the outcomes are bad, that means the wrong tradeoffs were made.

        and if the outcomes were good, why is the salary revised downwards?

      • Deaf Frog's toothpick

        @ The Oracle

        Singapore spends one of the lowest in the world on total healthcare expenditure(a proportion of GDP) among developed countries.

        if the budget is in a deficit position, then we can always say, it can’t be helped.

        but the fact is the budget is in surplus, so when someone has the means to do better but refuses to, then i think it is fair for ppl to ask questions.

        it does not necessary have to go into healthcare, but why is the surplus not used to improve quality of life?

      • Deaf Frog's toothpick

        @ The Oracle

        when i say 7-digit, am already very generous.

        according to MOF figures, the estimated expenditure for PMO alone for 2014 would be $450,814,600, thats 9-digits, your eyes are ok, no need to get them checked. PMO manpower expenditure alone is $148,641,100.

        thats just the tip of the iceberg, just to put into context what taxpayers are paying.

      • The Oracle

        Really? Are you saying Singapore is not spending to improve quality of life? What about the investments in:
        – Expanding MRT lines to reach a greater % of the population (and bus investments to ensure better public transport service at a low cost)
        – Investments like Gardens By The Bay and the park connector networks to provide more recreation options for all Singaporeans.
        – The new Ng Teng Fong General Hospital in Jurong will open at the end of this year and several more will open over the coming years.
        Many billions are being spent in Singapore to improve quality of life. Whether that is enough or not depends on your point of view. Some people for sure will never be happy.

      • The Oracle

        @ DFt

        So now you take the entire PMO which is over 600 people including many senior civil servants? Why not just include all the civil service across the whole country to support your argument? There are lies, damn lies and then there are your statistics!

      • Deaf Frog's toothpick

        @The Oracle

        so you are suggesting that all the “improvements” you have listed can be done by 1 minister? or 1 cabinet? stupid right?

        u say government do this government do that, obviously government have to include all the manpower personnel, i should put the total cost of the manpower for running this government here the next time.

        I think am already being very fair when i actually quoted manpower expenditure separately.

        statistics are not mine, i have no ability to come up with them, they are published in official MOF documents, if you have issues with the numbers please raise your concerns with MOF.

      • Deaf Frog's toothpick

        @The Oracle

        i said: “why is the surplus not used to improve quality of life?”

        then you go on with the whole MRT, hospital rant,

        can you tell me which of one of your investments are funded using the surplus?

        pls, straw-man arguments are stupid, it’s what i do in secondary school, surely you can do better than this?

      • True Singapore

        Sorry Oracle, I dun believe in garment spend more to improve people life because the next thing you will see something increase as other form of payment to garment for the project and it will be permanent. For example do you see garment review GST every year and decrease from 7%??? No it is always increasing from 3%.

  17. PAP Chicken Joke

    Why did the chicken cross the road?

    GILBERT GOH:
    The chicken is conspiring with the PAPigs to steal jobs from gullible Singaporeans.

    • The Oracle

      My Roy Chicken Joke is better:
      Why did Roy cross the road?
      He didn’t – because he has no idea what is on the other side!
      (read my posts above to understand why)

      or :
      Why did Roy cross the causeway?
      To get a job in Malaysia ‘cos he is sure ain’t getting one here!

      • @ PAP's Oracle - Has PAP Blacklisted Roy From Ever Getting a Job In Singapore?

        ” Why did Roy cross the causeway?
        To get a job in Malaysia ‘cos he is sure ain’t getting one here! ”

        You sound like you know that Roy has been blacklisted.
        Is this true?

      • The Oracle

        I don’t speak for the PAP, I only speak for me. Roy is the architect of his own undoing – he even admitted using work time to write his blog. Stupid.

    • Jasmine

      Dead frog

      Your said “but the fact is the budget is in surplus, so when someone has the means to do better but refuses to, then i think it is fair for ppl to ask questions.”

      How strange, roy has surplus now but refuse to help the 71 year old man. Why u not asking him? Double standards?

      • Deaf Frog's toothpick

        @ Jasmine

        i did not ask Roy, because i see no reason for helping the old man.

        i do not know Roy personally, so i can only speak for myself.

        for EXAMPLE, let’s say i champion for variable GST in a peaceful way, then some idiot claim to be my supporter, and his way of showing his support for me is to mow down a battalion of policemen with a bulldozer, then i am suppose to help this person?

        are u mad?

        i think it is a stupid idea to show any support for any person who acts in a way which is not compatible with my values.

        goodness, you probably need a cold shower and a cup of strong coffee.

  18. @ PAP's Oracle - You Continue to Evade The Question

    /// So what about PAP’s healthcare system?
    How fast to see a specialist from the time the polyclinic makes a referral to a specialist? ///

    You also say:
    /// Don’t want to pay a hospital bill? Then look after your health – eat right, exercise, etc.! Not all are so lucky but the message should not be “don’t worry because we’ll fix you for free” ///

    So what about LKY?
    When was the last time he attended a “Meet the People’s Session” ??
    Are we fixing him up for free ??

  19. Deaf Frog's toothpick

    @ Jasmine

    i did not ask Roy, because i see no reason for helping the old man.

    i do not know Roy personally, so i can only speak for myself.

    for EXAMPLE, let’s say i champion for variable GST in a peaceful way, then some idiot claim to be my supporter, and his way of showing his support for me is to mow down a battalion of policemen with a bulldozer, then i am suppose to help this person?

    are u mad?

    i think it is a stupid idea to show any support for any person who acts in a way which is not compatible with my values.

    goodness, you probably need a cold shower and a cup of strong coffee.

    • Jasmine

      @froggie

      U spewed so much crapes and theories.

      Here is an old man shitted by roy to take up arms. He is now in trouble.

      It has not stopped u from asking or posting when u dun know.

      Your values? ?? What really are your values? Kindly enlightened.

      Bs frog

      • Deaf Frog's toothpick

        if you are slow, i cannot help u. if you are in denial, i cannot help u as well.

        to put it bluntly, i do not see any reason why you are worthy of having a conversation with me on values as an intellectual equal.

        as a thought experiment, suppose i say my values are the same as the Buddha’s what are you going to do about it?

      • Deaf Frog's toothpick

        lets be reminded that there is a Maintenance of religious harmony act in our constitution.

        Where the Minister is satisfied that any person is inciting, instigating or encouraging any religious group or religious institution the feelings of enmity, hatred, ill-will or hostility between different religious groups, a restraining order can be made against the offender.

  20. landragon123

    Do not compare for there is never one. Our medisave is our own money whereas most other countries are public money. My point is why can’t i use my monies when I need to use on my medical bills?

      • Deaf Frog's toothpick

        @cheese
        that means ladies can take out monies, or perhaps not because they might spend it on dildos?

        if we create an international index for demonisation of our own ppl, we will be the top ranking country.

      • landragon123

        My girlfriends are from Athens, Maldives, Phillipines, Hainan, and the latest is Hanoi. Visit http://www.idragon111.com and there are my volunteer models for my clothing, IONegative Health clothing imported from Europe the original. The Japanese are now selling FADE as their manufacturer have stop production. Can come to my shop which have a 69 Birthday Sale going on till 28/06 and after 30th I AM 70. PP Centre #03-47 at the link bridge btw Chinatown Point. See you all who wanted to be healthy and for those who travel during Winter.

      • landragon123

        Is it wrong to use Viagra? Do not laugh at others for one day it will be your turn. Maybe Viagra will not works for you as you will be a ……..can never have sex.

  21. Still No Answer ??

    // So what about PAP’s healthcare system?
    How fast to see a specialist from the time the polyclinic makes a referral to a specialist? ///

    You also say:
    /// Don’t want to pay a hospital bill? Then look after your health – eat right, exercise, etc.! Not all are so lucky but the message should not be “don’t worry because we’ll fix you for free” ///

    So what about LKY?
    When was the last time he attended a “Meet the People’s Session” ??
    Are we fixing him up for free ??

    • Deaf Frog's toothpick

      @ Still No Answer ??

      we must be constructive, i have 2 suggestions to make,

      1. publish Parliament’s Absentee Record as an annual statistic so as to help voters make an more informed choice.

      2. Introduce term limit and max age limit for all office holders and president. Those with medical conditions like Mr Chiam should also be subjected to medical assessment, they can only be allowed to stand for election if doctors give the go ahead.

      what do u think?

  22. PAP's Oracle - We Are Still Waiting

    // So what about PAP’s healthcare system?
    How fast to see a specialist from the time the polyclinic makes a referral to a specialist? ///

    You also say:
    /// Don’t want to pay a hospital bill? Then look after your health – eat right, exercise, etc.! Not all are so lucky but the message should not be “don’t worry because we’ll fix you for free” ///

    So what about LKY?
    When was the last time he attended a “Meet the People’s Session” ??
    Are we fixing him up for free ??

  23. landragon123

    Now why bring Saint Lee Kuan Yew into this. He is now only a MP and have no talking rights as his son who sacked him does not allow him to do so. Now you can only hear him in Parliament or foreign banks as he is advisor to few of them.

  24. Oracle - Just Answer The Question

    // So what about PAP’s healthcare system?
    How fast to see a specialist from the time the polyclinic makes a referral to a specialist? ///

    You also say:
    /// Don’t want to pay a hospital bill? Then look after your health – eat right, exercise, etc.! Not all are so lucky but the message should not be “don’t worry because we’ll fix you for free” ///

    So what about LKY?
    When was the last time he attended a “Meet the People’s Session” ??
    Are we fixing him up for free ??

    • True Singapore

      // So what about PAP’s healthcare system?
      How fast to see a specialist from the time the polyclinic makes a referral to a specialist? ///
      —> For me to do CT scan, it takes 5 month and consider emergency case……. Anyway depend on the hospital. Mine was done at Simei. Waiting time for specialist to do the scanning was amazing.

      You also say:
      /// Don’t want to pay a hospital bill? Then look after your health – eat right, exercise, etc.! Not all are so lucky but the message should not be “don’t worry because we’ll fix you for free” ///
      —>Tough as you know we had grow old and a lot of thing produced is alyready chemically tainted. For example, I used to jog to keep fit, now the joints just getting paint as I plan for my jogged.

      So what about LKY?
      When was the last time he attended a “Meet the People’s Session” ??
      Are we fixing him up for free ??
      —> No idea. I respect him as a founder but not doing his job to amend the situation is his mistake.

  25. Oracle - Patriots Are Not Afraid Of Questions - Why So Scared?

    /// So what about PAP’s healthcare system?
    How fast to see a specialist from the time the polyclinic makes a referral to a specialist? ///

    You also say:
    /// Don’t want to pay a hospital bill? Then look after your health – eat right, exercise, etc.! Not all are so lucky but the message should not be “don’t worry because we’ll fix you for free” ///

    So what about LKY?
    When was the last time he attended a “Meet the People’s Session” ??
    Are we fixing him up for free ??

    • landragon123

      High Oracle & Jackneo, to he healthy and happy just start wearing Negative ION clothing, and our registered Brand is IONegative Clothing will help as it improve blood circulation and is effective for any health matters. When you run a jog, it is to increase blood circulation so when ;you wear this clothing 7/24 you are in fact like running 24 hours. So why spent you time running but can sleep and you are also exercising. It have proven to be very effective for those having pains but does not know the causes. Now visit http://www.idragon111.com to start your HEALTH program and stay health forever.

  26. jackneo@gmail.com

    Dear Roy
    Did you just ate some poisoned Japanese Fukushima radioactivity contaminated food?
    Do you know it is now legal to sell such food in Singapore?

  27. Pingback: 狗皮膏药 | 白马非马
  28. adadc

    actualy, singaporean’s healthcare is very very excellent, when PM Lee’s mother get illness in UK, worst hospital service, long queue to wait, they can hire the airplane, directly back to singapore, get the first world healthcare.

  29. Pingback: Healthcare: How PAP has Betrayed Singaporeans | The Heart Truths

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