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Praising the government in spite of being confused by their schemes
13 Jun 2020 (150 views)

Praising the government for doing creating a complicated scheme Someone asked for for advice about medical insurance for his family. I suggested that he should stick to Medishield Life, which is provided by the government. He gave this reply
Dear Mr Tan, Thank you for your advice. I definitely felt a sense of relief upon your reply and watching your video clip. I don’t wish to sound political but can’t help feeling our government do take care of us, however asymptomatic it maybe despite our constant grievances to the contrary. When I look at my CPF statements that there is annual medishield premium deduction from my Medisave account. I am intrigued to know given my children and wife got no income, meaning no CPF, how can they be covered under medishield life if they don’t make any CPF contribution to deduct premiums for Medishield Life? It seems logic defying that one can enjoy benefits(subsidies) without paying premiums (in the case on my children and wife). However I do see a deduction abbreviated DPS for Dependant protection Scheme. Is this the reason my wife and children are covered? Even if they are covered under DPS, given they have no CPF, does it mean their co insurance or deductibles in the event of any treatment will be deducted from my CPF (MA) account? What if even my CPF isn’t enough (or I don’t even have enough hard cash) for such deductibles? Can I voluntarily set up an CPF account for my wife and children even if they are unemployed?
I gave this reply
You can and should approach the CPF to ask the questions that you posed to me.
Generally, I also feel that the government does take care of the people, but they should do it in a simple way. They should not design complicated schemes that confuse ordinary people.  If the government does really take care of the people, there is no need for you to ask me for this kind of advice.  There are civil servants, MPs and ministers who are highly paid to do their job, so it should be their duty to answer the kind of question that you pose to me.  I get many questions from many people, like you, for advice on confusing and complicated government policies. Most of them are very difficult to explain. It is difficult to explain the features, more difficult to explain the rationale.


Praising the government in spite of being confused by their schemes
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Praising the government for doing creating a complicated scheme Someone asked for for advice about medical insurance for his family. I suggested that he should stick to Medishield Life, which is provided by the government. He gave this reply
Dear Mr Tan, Thank you for your advice. I definitely felt a sense of relief upon your reply and watching your video clip. I don’t wish to sound political but can’t help feeling our government do take care of us, however asymptomatic it maybe despite our constant grievances to the contrary. When I look at my CPF statements that there is annual medishield premium deduction from my Medisave account. I am intrigued to know given my children and wife got no income, meaning no CPF, how can they be covered under medishield life if they don’t make any CPF contribution to deduct premiums for Medishield Life? It seems logic defying that one can enjoy benefits(subsidies) without paying premiums (in the case on my children and wife). However I do see a deduction abbreviated DPS for Dependant protection Scheme. Is this the reason my wife and children are covered? Even if they are covered under DPS, given they have no CPF, does it mean their co insurance or deductibles in the event of any treatment will be deducted from my CPF (MA) account? What if even my CPF isn’t enough (or I don’t even have enough hard cash) for such deductibles? Can I voluntarily set up an CPF account for my wife and children even if they are unemployed?
I gave this reply
You can and should approach the CPF to ask the questions that you posed to me.
Generally, I also feel that the government does take care of the people, but they should do it in a simple way. They should not design complicated schemes that confuse ordinary people.  If the government does really take care of the people, there is no need for you to ask me for this kind of advice.  There are civil servants, MPs and ministers who are highly paid to do their job, so it should be their duty to answer the kind of question that you pose to me.  I get many questions from many people, like you, for advice on confusing and complicated government policies. Most of them are very difficult to explain. It is difficult to explain the features, more difficult to explain the rationale.