新加坡卫生部长王乙康：医疗成本上升的原因

The second supplementary question is on healthcare cost. We are concerned with healthcare cost increases because the total household medical expenditure will go up, whether it is premium from insurance, whether it is their MediSave or whether it is out of pocket, because out of all these three, these three will continue to go up. Our current private healthcare insurance premium now in Singapore is the third highest in the world. We are just after the US and Hong Kong. I hope that we will not climb further and overtake Hong Kong.

I understand that MediShield Life premium is under review now. It will go up. I would like to ask the Minister when the review will be completed, when this increase in premium will be announced and whether this increase in premium will also lead to other private insurance premiums to go up as well. Private insurance premium has gone up by about 20% per year and this is not a sustainable rate in my opinion.

Then last of all, for MediSave, it is still our money. MediSave uses have been expanded a lot now, including hospitalisation, clinic uses now, health screening cost. Is the current MediSave amount that we have now sufficient in consideration of an ageing population, as well as increased lifespan?

The Chairman: Minister Ong.

Mr Ong Ye Kung: I fully agree with Dr Lim on the importance of day surgery. Our public health institutions have been trying to convert as many surgeries as possible to day surgery and, like the Member mentioned, outpatient surgery if possible. We will continue to do that.

I mentioned length of stay increased pre- and post-pandemic, six to seven days. Without our push to convert many surgeries to day surgeries or even shortened stays, the impact actually would have been far worse. But we managed to contain it to six to seven days. Even that, as I mentioned, is a 15% increase in workload. And we will continue to work on this front.

First, on MediSave. The uses of MediSave have expanded. Is it currently enough? We did a study recently. As of now, we think it is quite adequate. But we will continue to monitor the situation, especially if we cannot contain the rise in premiums. Then, I think the drain on MediSave will be quite significant. But, it is something we will have to monitor.

Dr Lim asked a couple of questions on MediShield Life, private insurance as well as premium. Let me put it straight. What I just announced and talked about is to reduce healthcare cost. Healthcare cost is increased not just because of insurance premium. It has an impact mostly because hospital bills, especially for significant episodes, are getting larger and increasing year by year. Therefore, if we want to control healthcare costs for the families, we need to raise claims limits. That is the whole purpose of this exercise. Increase the claim limits of MediShield Life, which means it is for subsidised patients when they have a major healthcare episode. Increase the claim limits, so that healthcare cost for them is manageable. Of course, this comes with an impact on MediShield Life premiums. But as I mentioned, we will try our best to help them pay for it through their MediSave. And I mentioned a few things that we can do: increase subsidies, do top-ups for specific groups if possible, find ways so that we can all manage. And I think this is a better way to manage healthcare costs.

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