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乐龄健保投保者 患视障却遭拒索偿

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终身护保(CareShield Life)将在两年后取代现有乐龄健保(ElderShield),称之将能提供新加坡公民更多索赔和终身保障。然而乐龄健保投保者之一的张先生,向‘网络公民’分享自身经历,声明说即使出示视障医疗证明,向职总英康( NTUC Income的索偿也不获批准。

乐龄健保新加坡政府设立的严重伤残保险计划,为需要长期护理怀的乐龄人士提供基本财务保障。在现有体制下,所有持有保健储蓄户口(MediSave的新加坡公民和永久居民将在40岁开始自动参与乐龄健保,除非另行要求退保。

对于“严重伤残”,乐龄健保计划如此定义:在有/无辅助工具(如拐杖,轮椅等),个人在三项日常起居活动或以上无法自理,意为着该人士需要他人协助打理生活起居。

怎样才算 “重度残障”?

如果因为残疾而无法进行以下六项日常活动中的任何三项,投保人和看护者便可以向保险公司索赔:

      • 沐浴:可否自行出入淋浴间、需他者协助沐浴与否
      • 更衣:可否穿戴衣裤妥当、配置义肢、医疗辅助工具等
      • 进食:可否喂食用膳
      • 如厕:可否自行/在辅助工具协助下使用厕具
      • 在室内走动:有无能力在室内或层次表面移动
      • 下床坐上椅子或轮椅:可否从床褥上下椅子/轮椅

乐龄健保的官网这么介绍:“一旦投保,在任何年龄阶段,若不幸陷入严重残疾都可索偿。即使健保在65岁到期,您仍享有终身保障。”

张先生经诊断右眼全盲,左眼视力只能看见残影,任何有常识者都会认为他已身陷残疾,行动不便。然而职总英康却认为张先生有能力自理生活而打退了他的索偿申请。

乐龄健保计划目前由三家保险公司管理,它们是英杰华(Aviva)、大东方(Great Eastern)以及职总英康。

同样是自动参与乐龄健保,张先生在54岁时向保险公司索偿,并被指示需先进行医疗检查。

医生在2015324日的诊断结果,显示张先生:

  • 在淋浴时需有人看护以防滑倒
  • 需他人协助更衣
  • 由于视力丧失,需协助他用膳
  • 如厕后需妻子检查卫生整洁
  • 在家中移动需家人监督

医生在诊断结果中,也提出张先生的身障情况从201412月开始。

然而,职总英康在201548日却回复,坚称张先生并不符合索偿资格,理由是他仍有能力在超过三项日常起居活动中自理。

因此张先生无法领取乐龄健保的索赔。讽刺的是,他从其他三份保险索讨永久残疾赔偿都获批准。

张先生向‘网络公民’说道,“我觉得乐龄健保如同骗局。普通的残疾是不能,那么严重残疾理应可以索偿,但残疾的定义含糊不清,很多人以为他们可以索偿,但有时即使两条腿没了,也不一定会赔。

‘网络公民’向一名专业护士了解,其实符合乐龄健保和终身护保的索偿定义都是些晚期癌症或其他病入膏肓疾病患者,才,因此虽然把提乐龄健保升终身为支付保障,在相对提高的高保费下其实也许没有太大优惠。

乐龄健保/护保乃生财之道?

新加坡卫生部长颜金勇在2017年揭露,自20022015终,共收取26亿新元的乐龄健保保费,支付了1亿的索偿,以及在2007年和2012年分批回扣了1亿3千万新元的保费于投保人

有鉴于终身护保乃强制性且无法退保,该计划将从投保人收取多少保费,又有多少能回归给有需要的索偿者,令人感到疑虑。迄今,也没有任何报告针对该计划作精确评估,在2020年开始实施终身护保计划前,民众有知情权获得更多细节。

也许有人辩解现有索偿机制并不全是为了获利。但我们需理解,投保人付保费,就是为了将来的索偿需要。私人保险公司无法确定是否有足够的新投保者支付索偿款项,但是官营的保险计划不同,每个公民都强制交保费,政府根本无需担心无力支付索偿,根本来说,它就应该是非营利性的。

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Chee Soon Juan questions Shanmugam’s $88 million property sale amid silence from Mainstream Media

Dr Chee Soon Juan of the SDP raised concerns about the S$88 million sale of Mr K Shanmugam’s Good Class Bungalow at Astrid Hill, questioning transparency and the lack of mainstream media coverage. He called for clarity on the buyer, valuation, and potential conflicts of interest.

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On Sunday (22 Sep), Dr Chee Soon Juan, Secretary General of the Singapore Democratic Party (SDP), issued a public statement on Facebook, expressing concerns regarding the sale of Minister for Home Affairs and Law, Mr K Shanmugam’s Good Class Bungalow (GCB) at Astrid Hill.

Dr Chee questioned the transparency of the S$88 million transaction and the absence of mainstream media coverage despite widespread discussion online.

According to multiple reports cited by Dr Chee, Mr Shanmugam’s property was transferred in August 2023 to UBS Trustees (Singapore) Pte Ltd, which holds the property in trust under the Jasmine Villa Settlement.

Dr Chee’s statement focused on two primary concerns: the lack of response from Mr Shanmugam regarding the transaction and the silence of major media outlets, including Singapore Press Holdings and Mediacorp.

He argued that, given the ongoing public discourse and the relevance of property prices in Singapore, the sale of a high-value asset by a public official warranted further scrutiny.

In his Facebook post, Dr Chee posed several questions directed at Mr Shanmugam and the government:

  1. Who purchased the property, and is the buyer a Singaporean citizen?
  2. Who owns Jasmine Villa Settlement?
  3. Were former Prime Minister Lee Hsien Loong and current Prime Minister Lawrence Wong informed of the transaction, and what were their responses?
  4. How was it ensured that the funds were not linked to money laundering?
  5. How was the property’s valuation determined, and by whom?

The Astrid Hill property, originally purchased by Mr Shanmugam in 2003 for S$7.95 million, saw a significant increase in value, aligning with the high-end status of District 10, where it is located. The 3,170.7 square-meter property was sold for S$88 million in August 2023.

Dr Chee highlighted that, despite Mr Shanmugam’s detailed responses regarding the Ridout Road property, no such transparency had been offered in relation to the Astrid Hill sale.

He argued that the lack of mainstream media coverage was particularly concerning, as public interest in the sale is high. Dr Chee emphasized that property prices and housing affordability are critical issues in Singapore, and transparency from public officials is essential to maintain trust.

Dr Chee emphasized that the Ministerial Code of Conduct unambiguously states: “A Minister must scrupulously avoid any actual or apparent conflict of interest between his office and his private financial interests.”

He concluded his statement by reiterating the need for Mr Shanmugam to address the questions raised, as the matter involves not only the Minister himself but also the integrity of the government and its responsibility to the public.

The supposed sale of Mr Shamugam’s Astrid Hill property took place just a month after Mr Shanmugam spoke in Parliament over his rental of a state-owned bungalow at Ridout Road via a ministerial statement addressing potential conflicts of interest.

At that time, Mr Shanmugam explained that his decision to sell his home was due to concerns about over-investment in a single asset, noting that his financial planning prompted him to sell the property and move into rental accommodation.

The Ridout Road saga last year centred on concerns about Mr Shanmugam’s rental of a sprawling black-and-white colonial bungalow, occupying a massive plot of land, managed by the Singapore Land Authority (SLA), which he oversees in his capacity as Minister for Law. Minister for Foreign Affairs, Dr Vivian Balakrishnan, also rented a similarly expansive property nearby.

Mr Shanmugam is said to have recused himself from the decision-making process, and a subsequent investigation by the Corrupt Practices Investigation Bureau (CPIB) found no wrongdoing while Senior Minister Teo Chee Hean confirmed in Parliament that Mr Shanmugam had removed himself from any decisions involving the property.

As of now, Mr Shanmugam has not commented publicly on the sale of his Astrid Hill property.

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Redditors question support for PAP over perceived arrogance and authoritarian attitude

Despite Senior Minister Lee Hsien Loong’s warning that slimmer electoral margins would limit the government’s political space “to do the right things”, many Redditors questioned their support for the ruling PAP, criticising its perceived arrogance. They argued that SM Lee’s remarks show the party has ‘lost its ways’ and acts as if it alone can determine what is right. Others noted that the PAP’s supermajority allows for the passage of unfavourable policies without adequate scrutiny.

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In a recent speech, Senior Minister Lee Hsien Loong warned that “if electoral margins get slimmer, the government will have less political space to do the right things.”

Mr Lee, who served as Prime Minister for 20 years, highlighted the risks associated with increasingly competitive politics.

“It will become harder to disregard short-term considerations in decision-making. The political dynamics will become very different,” he stated during his speech at the Annual Public Service Leadership Ceremony 2024 on 17 September.

“Singaporeans must understand the dangers this creates, and so must the public service,” SM Lee stressed.

SM Lee pointed out that Singapore faces formidable internal and external challenges in the years ahead, with rising expectations and demands from citizens.

As growth becomes harder to achieve and politics becomes more fiercely contested, he warned, “Things can go wrong for Singapore too.”

He urged vigilance in preparing for an uncertain future, noting, “As the world changes, and as the generations change, we must do our best to renew our system – to ensure that it continues to work well for us, even as things change.”

Critique of PAP’s Arrogance and Disconnect from Singaporeans

The People’s Action Party (PAP) experienced a notable decline in its vote share during the 2020 General Election, securing 61.24% of the votes and winning 83 out of 93 seats, a drop from 69.9% in 2015.

A significant loss was in Sengkang GRC, where the PAP team, led by former Minister Ng Chee Meng, was defeated by the Workers’ Party (WP).

In discussions on Reddit, some users questioned why they should support the ruling PAP, criticising the party’s perceived arrogance.

They pointed out that SM Lee’s recent remarks illustrate that the party has strayed from effectively serving Singaporeans and seems to believe it has the sole authority to decide what is right.

Others highlighted that the PAP’s super-majority in Parliament enables the passage of unfavourable policies without sufficient scrutiny.

One comment acknowledged that while many older Singaporeans remain loyal to the PAP due to its past achievements, younger generations feel the party has failed to deliver similar results.

There is significant frustration that essentials like housing and the cost of living have become less affordable compared to previous generations.

The comment emphasised the importance of the 2011 election results, which they believe compelled the PAP to reassess its policies, especially concerning foreign labor and job security.

He suggested that to retain voter support, the PAP must continue to ensure a good material standard of living.

“Then, I ask you, vote PAP for what? They deserve to lose a supermajority. Or else why would they continue to deliver the same promises they delivered to our parents? What else would get a bunch of clueless bureaucrats to recognise their problems?”

Emphasising Government Accountability to the Public

Another Redditor argued that it is the government’s responsibility to be accountable to the people.

He further challenged SM Lee’s assertion about having less political space to do the right things, questioning his authority to define what is “right” for Singapore.

The comment criticised initiatives like the Founder’s Memorial and the NS Square, suggesting they may serve to boost the egos of a few rather than benefit the broader population. The Redditor also questioned the justification for GST hikes amid rising living costs.

“Policies should always be enacted to the benefit of the people, and it should always be the people who decide what is the best course of action for our country. No one should decide that other than us.”

The comment called for an end to narratives that present the PAP as the only party capable of rescuing Singapore from crises, stating that the country has moved past the existential challenges of its founding era and that innovative ideas can come from beyond a single political party.

Another comment echoed this sentiment, noting that by stating this, SM Lee seemingly expects Singaporeans to accept the PAP’s assumption that they—and by extension, the government and public service—will generally do the “right things.”

“What is conveniently overlooked is that the point of having elections is to have us examine for ourselves if we accept that very premise, and vote accordingly.”

A comment further argued that simply losing a supermajority does not equate to a lack of political space for the government to make the right decisions.

The Redditor express frustration with SM Lee’s rhetoric, suggesting that he is manipulating public perception to justify arbitrary changes to the constitution.

Concerns Over PAP’s Supermajority in Parliament

Another comment pointed out that the PAP’s supermajority in Parliament enables the passage of questionable and controversial policies, bypassing robust debate and discussion.

The comment highlighted the contentious constitutional amendments made in late 2016, which reserved the elected presidency for candidates from a specific racial group if no president from that group had served in the previous five terms.

A comment highlighted the contrast: in the past, the PAP enjoyed a wide electoral margin because citizens believed they governed effectively. Now, the PAP claims that without a substantial electoral margin, they cannot govern well.

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