"Turn Around, Don't Drown: Staying Safe During Flood Warnings"

Floods are dangerous and can cause severe damage to both property and lives. In the event of a flood warning, it's vital to act quickly to ensure the safety of yourself and your loved ones. Here's what to do:

Seek shelter immediately: Move to higher ground or evacuate to a designated safe zone.

Avoid walking, swimming, or driving in floodwaters: They may seem shallow, but strong currents and hidden hazards can pose a serious risk.

Stay off bridges over fast-moving water: Floodwaters can make bridges unstable or sweep them away.

Follow evacuation orders: Leave as soon as you're told—don't wait for conditions to worsen.

Move up in your building: If you can't evacuate, move to a higher floor, ensuring it's safe.

Stay put if directed: Only stay in place if officials advise it's the safest option.

Remember, just six inches of moving water can knock you down, and one foot can carry away a vehicle. Always follow emergency officials' instructions and stay informed about weather conditions.

Unlocking the Nutritional Nuances of Milk & Eggs

Beyond the Basics: Unlocking the Nutritional Nuances of Milk & Eggs

We all know milk and eggs are nutritional powerhouses, but did you know there's more to the story than meets the eye? Let's dive deeper into the nutritional nuances of these everyday staples.

Milk: More Than Just Calcium

Beyond its calcium content, milk offers a wealth of nutrients, including protein, B vitamins, and vitamin D. But did you know the type of milk you choose can impact its nutritional profile?

• Pasteurized milk may retain more heat-sensitive vitamins like B12 and folate than UHT milk.
• If you opt for UHT, ensure you get these nutrients from other dietary sources.

Eggs: The Omega-3 Factor

Eggs are a fantastic source of protein and choline, essential for brain health. But omega-3 eggs take it up a notch, offering a boost of heart-healthy omega-3 fatty acids.

• If you're not a fan of fish or struggle to get enough omega-3s, these eggs can be a valuable addition to your diet.
• If budget is a concern, common eggs are still a great choice. Focus on incorporating other omega-3-rich foods like flaxseeds and chia seeds.

Remember, knowledge is power. Understanding the subtle differences between these options empowers you to make choices that align with your health goals and dietary needs. So next time you're at the grocery store, shop smart and nourish your body wisely.

UHT vs Pasteurized Milk & Common vs Omega-3 Eggs - Making Informed Choices

Savvy Shopping: UHT vs Pasteurized Milk & Common vs Omega-3 Eggs - Making Informed Choices

In today's world of abundant choices, even simple grocery staples like milk and eggs come with a variety of options. We often find ourselves pondering - is the pricier option truly worth it? Let's break down two common dilemmas: UHT vs Pasteurized Milk and Common vs Omega-3 Eggs.

Milk Matters: UHT vs Pasteurized

UHT milk, with its extended shelf life and convenience, is a pantry staple for many. But pasteurized milk, often touted for its fresher taste and potentially better nutrient retention, comes with a slightly higher price tag. Is it worth the splurge?

• If taste is your top priority, pasteurized milk might win you over.
• If you're on a tight budget, UHT milk offers great value.
• Consider your dietary habits: Are you getting enough B12 and folate from other sources? If so, UHT might suffice.

Egg-cellent Choices: Common vs Omega-3

Omega-3 eggs boast heart-healthy benefits, but they come at a premium. Are they a necessity, or can you get your omega-3s elsewhere?

• If you prioritize heart and brain health or have limited access to fatty fish, omega-3 eggs might be a good investment.
• If you're budget-conscious, common eggs are a nutritious and affordable option. Remember, you can boost your omega-3 intake with flaxseeds, chia seeds, or supplements.

Ultimately, the best choice depends on your individual needs and priorities. Don't be swayed by marketing hype - make informed decisions based on your health goals and budget. Happy shopping!

How Insurance Companies Can Turn the Tide on Fall Risks

The Ripple Effect: How Insurance Companies Can Turn the Tide on Fall Risks

Introduction

Imagine a world where a simple misstep doesn't spiral into a life-altering event. For millions of older adults, this is not just a daydream but a pressing reality. Falls are like a hidden tide, silently pulling people into a sea of health complications, fear, and financial strain. But what if we could change that? What if insurance companies, often seen as distant protectors, could become the lighthouse guiding policyholders away from these dangerous waters?

Falls: The Silent Tsunami

Every year, millions of older adults are caught in the undertow of falls, with about one in four aged 65 and older experiencing this unsettling plunge​(NCOA). The aftermath of these falls often includes broken bones, hospital stays, and a loss of independence, much like a shipwreck leaves its passengers stranded. For those aged 55-65, the risk is still significant, with research showing that around 26.5% experience a fall each year​(BioMed Central).

But falls aren’t just physical. They ripple through the emotional and financial lives of individuals and their families. Imagine the fear that takes root after a fall, the constant worry of it happening again. This fear can become a shadow, following every step and limiting freedom. And the costs? They can quickly mount, like a wave crashing onto the shore, leaving behind a wake of medical bills and financial strain.

Insurance Companies: The Architects of Prevention

So, how can insurance companies help stem the tide? By transforming themselves from passive observers to active builders of safer, more secure futures for their policyholders.

1. Building Strong Foundations with Preventive Screening
• Picture this: a routine screening identifies a subtle imbalance in a policyholder’s gait, a hidden risk waiting to trip them up. The potential for a fall is reduced with early intervention—perhaps physical therapy or a home safety check. Insurance companies can be the architects of these preventive measures, offering or covering the cost of screenings that act like seawalls, protecting against the rising tide of falls.
2. Raising Awareness: A Beacon of Knowledge
• Knowledge is power, and insurance companies can shine a light on the path to safety. Imagine educational campaigns as lighthouses, guiding policyholders away from danger with tips on how to avoid falls. From webinars to home safety guides, insurers can help policyholders navigate the often-overlooked hazards of everyday life.
3. Incentivizing Safety: The Anchor of Rewards
• What if staying safe came with a reward? Insurance companies can drop anchor by offering incentives for engaging in preventive behaviors. Picture policyholders earning discounts on their premiums for participating in fall-prevention programs, or receiving coverage for installing grab bars and other safety features in their homes. These incentives act as anchors, keeping policyholders grounded in safety.
4. Harnessing Data: The Compass of Insight
• Data is the compass that can guide insurance companies toward effective interventions. By analyzing claims and health records, insurers can chart a course to identify those at greatest risk and steer them toward the right resources. Imagine a world where policyholders receive personalized fall-prevention plans based on their unique risks—data makes this possible.

Conclusion

Falls may be a formidable force, but with the right strategies, they don’t have to be inevitable. Insurance companies have the power to be more than just responders to disasters; they can be the architects of prevention, the beacons of knowledge, the anchors of safety, and the compasses of insight.

By investing in fall prevention, insurance companies aren’t just reducing claims; they’re creating ripples of positive change that extend far beyond the bottom line. They’re building a world where every step is a little safer, every policyholder a little more secure, and every future a little brighter.

And in this world, that’s not just a good deal—it’s a lifesaver.

 

Revisiting My WFH Lunch: Anchovies Soup and Braised Pork Delight!

Today, I enjoyed a comforting bowl of rice paired with Huadiao braised pork belly (花雕五花肉), Hakka-style braised pork (客家卤肉), a boiled egg, and a delicious anchovie soup with crispy fried onions and sweet leaf (mani cai). While this meal was hearty and satisfying, I felt the rice portion was too much for my preference. Let's dive into the nutritional breakdown of this meal.

 

What’s in the Meal?

1. Rice: While rice is a great energy source, I prefer a smaller portion to avoid feeling overly full. Adjusting portions to match your energy needs and preferences is always good. For those looking for a more balanced approach, swapping white rice for a smaller portion of brown rice can provide added fiber and longer-lasting energy.

2. Huadiao Braised Pork Belly and Hakka Braised Pork: These dishes are rich in flavor and provide a generous amount of protein and fats. However, they also come with a higher content of saturated fat, particularly with the use of pork belly. While it's great for indulgence, moderation is key to avoiding excessive calorie and fat intake, which could impact heart health over time.

3. Boiled Egg: Eggs are a fantastic source of high-quality protein and healthy fats. Including a boiled egg adds not only nutrition but also variety to the protein sources in the meal, making it more balanced.

4. Anchovie Soup with Crispy Fried Onions and Sweet Leaf: This soup is a nutritious addition, providing a savory broth that is rich in calcium from anchovies and vitamins from sweet leaves (mani cai). The crispy fried onions add a delightful crunch and depth of flavor but can be high in fat if prepared with a lot of oil. Anchovy-based soups can also be high in sodium, so it's wise to watch the salt levels, especially if prepared with additional seasoning.

 

Nutritional Insights:

  Carbohydrates: Reducing the rice portion aligns well with a balanced meal approach. This not only controls the calorie intake but also keeps the meal from feeling too heavy, promoting better energy levels throughout the day.

 Protein & Fats: The pork dishes and egg provide ample protein, crucial for muscle maintenance and overall health. However, keeping an eye on the fat content, especially saturated fat from pork belly, is essential for maintaining cardiovascular health.

 Sodium Content: Both the anchovie soup and braised pork dishes can be high in sodium. It's beneficial to moderate the intake of these to manage blood pressure and reduce the risk of heart-related issues.

 Vegetables: The sweet leaves and crispy fried onions in the soup add a healthy dose of fiber and vitamins. Increasing the variety and quantity of vegetables could further enhance the meal’s nutritional profile.

 

Healthy Adjustments:

 To make this meal more balanced, consider these adjustments:

 Opt for leaner cuts of pork or reduce the portion size of pork belly to lower saturated fat intake.

 Reduce rice portions or switch to a whole-grain alternative for added fiber and sustained energy.

 Enhance the vegetable portions for more fiber and micronutrients.

 Monitor sodium levels in the soup and braised dishes to maintain heart health.

 

This lunch provides a delightful mix of flavors and nutrients, but with a few tweaks, it can be even healthier and better suited to individual preferences. Adjusting portion sizes and ingredients can help create a meal that's both satisfying and nutritious, perfect for fueling a productive day at home.

 

 

 

 

Tung Kai Xu

I’m Tung Kai Xu, a versatile professional with a PhD in mechatronic engineering, specializing in healthcare, finance, and technology. Currently, I serve as a consultant at Angsana Health, where I leverage data and technology to enhance patient outcomes. With over 12 years of experience in financial advisory across leading firms like Great Eastern and Zurich, I integrate financial planning with healthcare innovation.

In addition to my consultancy role, I consult on senior care projects with Universiti Malaysia Perlis and manage property and rental services. My passion for holistic well-being and extensive travels across Southeast Asia and beyond enrich my approach to tackling complex challenges and developing innovative solutions.

《"写出一篇吸引眼球的活动报道"分享会》

会议主题为《"写出一篇吸引眼球的活动报道"分享会》，主要讲者是郭秋香，她分享了撰写引人注目的活动报道的技巧和方法。

主要讨论点包括：

1. 创建引人注目的标题和开头的重要性。

2. 使用生动的描述和个人观察来使报道更具吸引力。

3. 在开头段落中集中描述活动中最有影响力或最有趣的方面。

4. 在信息传达与情感和人性化内容之间寻找平衡。

5. 根据现代读者较短的注意力跨度调整写作风格。

6. 示例了如何重写现有的报道使其更具吸引力。

7. 强调保持年轻一代的阅读和写作技能的重要性。

讲者提供了多个改善活动报道的实例，并鼓励与会者以创造性的方式思考自己的写作方式。此次分享会互动性强，与会者有机会提问和讨论。

基于讨论内容，主要讨论的主题包括：

1. 撰写引人入胜的活动报道和新闻文章的技巧。

2. 制作引人注目的标题和开头的重要性。

3. 运用个人观察和情感使报道更加生动。

4. 在信息传递与故事元素之间找到平衡。

5. 根据不同的受众，尤其是年轻读者，调整写作风格。

6. 文字的力量及保持阅读和写作技能的重要性。

7. 通过示例展示如何通过重写新闻报道来使其更具吸引力。

8. 鼓励提交教会新闻给主流报纸。

讨论集中在改善与教会相关的新闻和活动报道的写作技巧，强调如何使报道更具吸引力和影响力。

1949年，277.5万两黄金

1949年的投资抉择：巴菲特策略与桥水基金“全天候”策略的对比

1949年，你手中有一笔巨额财富——277.5万两黄金、1520万银元和1537.4万美元，总计约 **1.38亿美元**。假如你将这笔钱交给投资大师沃伦·巴菲特和桥水基金创始人雷·达里奥，他们会如何打理这笔财富？到了2023年，这笔财富又会变成多少呢？本文将通过对比巴菲特的高回报投资策略和桥水基金的“全天候”策略，探讨长期投资的巨大差异。

### **巴菲特的投资策略：挑选优质企业，享受长期复利**

沃伦·巴菲特的投资哲学是集中投资于那些具有长期竞争优势的优质公司，依靠长期持有这些股票来实现财富增长。他以耐心和独特的选股眼光著称。

#### **假设的投资情景**

假设在1949年，你将这1.38亿美元交给巴菲特，并在接下来的74年里实现了 **13%** 的年化回报率，那么这笔钱在2023年的价值将是多少？

#### **计算结果**

使用复利公式

在巴菲特的策略下，这笔投资在2023年的价值将达到 **约116.86万亿美元**。

### **桥水基金“全天候”策略：追求稳定增长**

雷·达里奥的桥水基金“全天候”策略旨在通过广泛分散投资于股票、债券、黄金和大宗商品，确保投资组合在各种经济环境下都能稳健增长。

#### **假设的投资情景**

假设1949年这笔1.38亿美元的财富由桥水基金管理，并在74年里实现 **8%** 的年化回报率，那么到2023年，这笔钱会变成多少呢？

#### **计算结果**

同样使用复利公式计算：

在桥水基金的策略下，这笔投资在2023年的价值为 **约41.04亿美元**。

### **结果分析：长期回报的巨大差距**

从以上计算结果可以看出，巴菲特的策略在长期内创造了 **巨额财富**，远远超过了桥水基金的策略。这显示出长期高回报率在复利的作用下可以极大地放大投资回报。

### **理性的投资组合：如何平衡高回报与稳定性**

尽管巴菲特的策略在回报率上具有显著优势，但投资者应根据自己的风险承受能力和投资目标来选择适合的策略。桥水基金的“全天候”策略虽然回报较低，但在多变的市场环境下提供了更大的稳定性。一个理性的投资组合应结合两者的优点，既享受高回报的潜力，又通过分散投资来降低风险。

### **结论**

投资的关键不仅在于选择高回报率的策略，更在于理解市场波动与长期复利的力量。无论选择巴菲特的集中投资策略，还是桥水基金的分散投资策略，投资者都应根据自身的需求和目标来做出理性的决策。经过74年的时间，我们可以看到，长期投资的力量不可忽视，而在漫长的投资旅途中，理性与耐心是实现财富增长的基石。

Unlocking the Full Potential of AI: A Strategic Workflow with Copilot, ChatGPT, and Gemini

 

Unlocking the Full Potential of AI: A Strategic Workflow with Copilot, ChatGPT, and Gemini

In an era where AI tools are rapidly evolving, knowing how to best utilize their strengths can significantly enhance your productivity and the quality of your work. After experimenting with various AI chatbots, I’ve developed a method that leverages the combined power of GitHub Copilot, ChatGPT, and Gemini AI. This approach streamlines problem-solving and content creation, enabling you to produce refined, well-researched outputs efficiently. Here’s how you can apply this strategy in your own work.

Step 1: Start with Copilot AI for Quick, Straightforward Answers

When you’re faced with a problem, the first step is to ask GitHub Copilot for a direct answer. Copilot excels at providing immediate, context-aware information, whether you’re looking for a referral source for a study or a quick code snippet to solve a programming issue. This tool is your go-to for laying the groundwork and setting a clear direction for further research.

Example: Suppose you need sources for a research project on AI in healthcare. Copilot can quickly point you to relevant studies or articles, giving you a solid starting point.

Step 2: Conduct Online Research to Deepen Your Understanding

Once Copilot has provided the initial information, it’s time to dive deeper. Conduct online research to gather additional data, perspectives, and insights. This step involves exploring various websites, academic papers, and expert opinions to ensure you have a comprehensive understanding of the topic at hand.

Tip: Keep track of your sources and take notes on key points that you can later summarize and refine.

Step 3: Use ChatGPT AI to Summarize Your Findings

After gathering your research, paste the content into ChatGPT for summarization. ChatGPT’s strength lies in its ability to condense complex information into clear, concise summaries. This step helps you distill the essential points, making the content easier to digest and organize.

Example: If you’ve gathered multiple articles on AI’s role in healthcare, ChatGPT can create a cohesive summary that highlights the most important findings and trends.

Step 4: Seek Improvement Suggestions Using Google Gemini AI

With a summary in hand, the next step is to refine it. Use Google Gemini AI to search for suggestions on how to improve your content, whether it’s tips for clarity, additional insights, or examples of similar work. This helps you identify areas where your summary can be enhanced and ensures that you haven’t missed any critical information.

Tip: Look for expert opinions, writing guides, or even forums where professionals discuss similar topics to gain diverse perspectives.

Step 5: Refine the Summary with ChatGPT AI

Finally, take the improvement suggestions you’ve gathered and ask ChatGPT to apply them. This step involves refining the summary, improving the clarity, and incorporating any additional insights or feedback. ChatGPT’s ability to integrate new information and generate polished content makes it ideal for this final step.

Example: After refining your AI in healthcare summary with feedback from Google, ChatGPT can help you produce a final version that is not only well-rounded but also professionally polished.

Conclusion: Embrace the Power of AI in Your Workflow

By following this structured approach, you can effectively harness the strengths of GitHub Copilot, ChatGPT, and Gemini AI to improve your workflow. Whether you’re a developer, researcher, or content creator, this method will help you produce high-quality, well-informed outputs with greater efficiency.

Ready to try this process for yourself? Start with a simple question in Copilot, gather your research, and let ChatGPT and Google help you refine your work to perfection. As you experiment with these tools, you’ll discover how they can transform your approach to problem-solving and content creation.

Understanding and Preventing Falls in Older Adults: A Comprehensive Guide

Understanding and Preventing Falls in Older Adults: A Comprehensive Guide

Falls among older adults are a significant public health issue, leading to injuries, decreased quality of life, and increased healthcare costs. This comprehensive guide delves into the multifaceted nature of falls, including their causes, the impact of various risk factors, and recommendations for prevention.

 1. Causes and Risk Factors

Falls in older adults often result from a combination of intrinsic and extrinsic factors:

Intrinsic Factors: Age-related declines in muscle strength, bone density, and balance, alongside chronic conditions like arthritis and cognitive impairments, significantly increase fall risk.

Extrinsic Factors: Environmental hazards such as poor stairway design, inadequate lighting, clutter, and slippery surfaces contribute to falls. The interaction between these hazards and intrinsic risk factors like impaired vision or reduced mobility complicates fall prevention efforts.

 2. Impact of Falls

Falls can lead to severe injuries including fractures, particularly in weight-bearing bones like the hip. The risk of injury is exacerbated by factors such as decreased muscle strength, bone density, and slower postural reflexes. Additionally, falls often lead to psychological effects like fear of falling, which can further impair mobility and independence.

 3. Preventive Strategies

A. Exercise and Physical Activity

Strength Training: Targeted exercises can improve muscle strength and balance, potentially reducing the risk of falls. Although the effectiveness of low-intensity exercises is debated, they are beneficial for frail individuals and should be included in prevention programs.

Balance and Gait Training: Rehabilitative therapies that improve balance and gait through specific exercises can help reduce fall risk. Research is needed to establish the most effective types of training.

B. Medications

Review and Adherence: Many older adults are on multiple medications, including psychotropic drugs, which can increase fall risk. Adherence to guidelines that minimize drug side effects and carefully evaluate the necessity of medications is crucial. Research into the role of cardiovascular medications and their impact on falls is also needed.

C. Environmental and Behavioral Interventions

Home Modifications: Simple changes like installing grab bars, improving lighting, and securing rugs can reduce fall risk. Behavioral changes, such as avoiding risky behaviors, are also important.

Educational Programs: Raising awareness about fall risks and safe practices through community-based educational programs can empower older adults to make safer choices.

D. Comprehensive Risk Management

Multidisciplinary Approaches: Integrating medical, rehabilitative, and environmental interventions can address multiple risk factors. Comprehensive geriatric assessments and performance-oriented assessments are models that show promise in reducing falls.

 4. Recommendations for Future Research

A. Intervention Trials

Prioritize randomized trials for focused exercise programs, medical treatments, environmental modifications, and behavioral interventions. Evaluate both effectiveness and cost-benefit aspects.

B. Observational Studies

Explore situational risk factors, the pathophysiology of postural control abnormalities, and the psychological impact of falls. Study the prevalence and risk associated with home hazards and medication use.

C. Methodological Advances

Develop reliable methods for assessing falls, including technological approaches like accelerometers, and improve methods for tracking fall injuries and their outcomes.

D. Policy and Education

Support community-based projects and integrate fall prevention techniques into national programs. Educate healthcare professionals and the public about fall prevention strategies and the importance of designing environments that accommodate the needs of older adults.

 5. Conclusion

Preventing falls among older adults requires a multifaceted approach involving exercise, medication management, environmental modifications, and educational initiatives. Ongoing research and comprehensive interventions are essential to address the complex interplay of factors contributing to falls and to improve the quality of life for older individuals. Understanding and targeting these risk factors, we can develop effective strategies to prevent falls and reduce their impact on older adults.

Fall Prevention and Healthy Aging: Practical Tips for Seniors

Watch the insightful video here: Preventing Falls: Key Strategies for Healthy Aging

As we age, maintaining our well-being becomes increasingly important. One critical aspect is preventing falls, which can have serious consequences for older adults. This post will cover practical strategies to reduce fall risk and promote healthy aging.

1. Home Safety Matters

Remove Hazards: Regularly assess your home environment. Eliminate tripping hazards like loose rugs, clutter, and uneven surfaces.
Good Lighting: Ensure proper lighting in hallways, staircases, and bathrooms. Well-lit areas reduce the risk of falls.

2. Stay Physically Active

Exercise: Engage in regular physical activity. Consider low-impact exercises like walking, swimming, or tai chi. These improve strength, balance, and flexibility.
-Muscle Strengthening: Focus on exercises that strengthen muscles. Resistance training (even with light weights) is effective.
Otago Exercise Program: Specifically designed for fall prevention, the Otago program includes a set of strength and balance exercises. Consult a physiotherapist for personalized guidance.

3. Medication Awareness

Review Medications: Regularly discuss medications with your healthcare provider. Some medicines can affect balance or blood pressure. Follow prescribed dosages and timing.

4. Choose the Right Footwear

Supportive Shoes: Wear well-fitting shoes with non-slip soles. Avoid high heels or worn-out treads.

5. Fear of Falling

Gradual Progression: Start with small goals. Gradually increase outings or exercise frequency.
Social Support: Encourage group activities. Social engagement reduces anxiety and motivates physical activity.

Fall Risk Assessment

Consult a Healthcare Professional: If you've fallen more than once or have concerns, seek a fall risk assessment.
Geriatricians or Specialists: Geriatricians specialize in older adult care. They assess overall health, medications, muscle strength, and balance. Orthopedic specialists may refer you to geriatricians for comprehensive evaluation.
Small changes can make a big difference. Implementing these strategies will enhance safety, maintain independence, and enjoy a healthier, more active life as you age.

在《圣经》中，耶和华被称为“耶和华拉法”，意思是“耶和华是医治你的”（《出埃及记》15:26）。这个名字强调了神作为医治者的角色，不仅在身体上，也在精神和灵魂上给予医治和安慰。以色列人在旷野中经历了许多困苦和挑战，但每当他们呼求耶和华，神总是以各种方式医治和拯救他们。这种医治不仅仅是身体上的康复，更是心灵和灵魂的安慰与恢复。

然而，今天的拉法口岸却是一个充满痛苦和不安的地方。拉法口岸连接着加沙地带和埃及，是加沙地带的重要通道之一。由于持续的冲突和轰炸，拉法口岸的现状非常严峻。成千上万的居民被迫离开家园，寻求避难所和人道主义援助⁶。尽管国际社会不断努力提供援助，但由于局势的不稳定，物资供应和人员撤离面临巨大挑战⁷。

在这样的背景下，耶和华拉法的意义显得尤为重要。面对战争和冲突带来的创伤，人们需要的不仅是物质上的援助，更需要心灵上的医治和安慰。耶和华拉法提醒我们，神是医治者，他关心每一个受伤的灵魂，愿意给予他们平安和恢复。

当局者应当反省自己的行为，努力寻求和平解决方案，减少平民的痛苦和伤亡。国际社会也应积极介入，提供更多的人道主义援助，帮助受影响的民众渡过难关。正如耶和华以勒所示，神是供应者，他必预备一切所需。在当前的危机中，信仰者可以依靠神的供应和保护，寻求内心的平安和力量。

主日信息记录：安静 Be still

马可福音

Mark 

4:35 And the same day, when the even was come, he saith unto them, Let us pass over unto the other side.

当那天晚上，耶稣对门徒说：“我们渡到那边去吧！”

4:36 And when they had sent away the multitude, they took him even as he was in the ship. And there were also with him other little ships.

门徒离开众人，耶稣仍在船上，他们就把他一同带去，也有别的船和他同行。

4:37 And there arose a great storm of wind, and the waves beat into the ship, so that it was now full.

忽然起了暴风，波浪打入船内，甚至船要满了水。

4:38 And he was in the hinder part of the ship, asleep on a pillow: and they awake him, and say unto him, Master, carest thou not that we perish?

耶稣在船尾上，枕着枕头睡觉。门徒叫醒了他，说：“夫子，我们丧命，你不顾吗？”

4:39 And he arose, and rebuked the wind, and said unto the sea, Peace, be still. And the wind ceased, and there was a great calm.

耶稣醒了，斥责风，向海说：“住了吧！静了吧！”风就止住，大大地平静了。

4:40 And he said unto them, Why are ye so fearful? how is it that ye have no faith?

耶稣对他们说：“为什么胆怯？你们还没有信心吗？”

4:41 And they feared exceedingly, and said one to another, What manner of man is this, that even the wind and the sea obey him?

他们就大大的惧怕，彼此说：“这到底是谁，连风和海也听从他了？”

经文回顾反思：

他们真的没信心吗

靠着经验门徒中有经验丰富的渔夫 （拥有船队那种）

他们见过耶稣行神迹

也知道耶稣的生活经验是一名木匠

他们知道叫醒耶稣， 问的是 （你不管吗do you not care） 心里他们知道耶稣管得了 

为什么当风浪平静了耶稣依然责备门徒没有信心，：

耶稣的责备难道是门徒没有寻求他的帮助吗？

耶稣真的不管吗？耶稣有别的选择当时还有别的船为什么选了跟门徒的船。

如果耶稣不在乎门徒的话在危机过后为什么依然教训门徒？

在最后一段门徒们竟然是 （比现实中害怕的事）更恐惧（Fear, 敬畏）

“我们渡到那边去吧！”门徒好像忘了耶稣已经定了方向。

Is ok to be fear, yet 神与你同在！ 一直都在！

Be still by hill song

藏我在翅膀荫下

遮盖我在你大能手中

当大海翻腾 波涛汹涌

我与你展翅 暴风上空

父你仍作王 在洪水中

我要安静 知你是神

我灵安息 在基督里

你大能 使我安然信靠

当大海翻腾 波涛汹涌

我与你展翅 暴风上空

父你仍作王 在洪水中

我要安静 知你是神

当大海翻腾 波涛汹涌

我与你展翅 暴风上空

父你仍作王 在洪水中

我要安静 知你是神

补充：既或不然的信心

Daniel 

3:17 If it be so, our God whom we serve is able to deliver us from the burning fiery furnace, and he will deliver us out of thine hand, O king.

即便如此，我们所侍奉的 神能将我们从烈火的窑中救出来。王啊，他也必救我们脱离你的手；

3:18 But if not, be it known unto thee, O king, that we will not serve thy gods, nor worship the golden image which thou hast set up.

即或不然，王啊，你当知道我们决不侍奉你的 神，也不敬拜你所立的金像！”

－－－－总结－－－－

当风暴来临时，我们常常感到无助和害怕。就像耶稣的门徒一样，我们也会在生活中遇到各种挑战和不确定性。让我们从马可福音第四章35-41节中汲取一些深刻的教训，看看耶稣如何平息风浪。

1. **生活中的风暴**：

   - 生活中常常会有突如其来的风暴，包括考验、不确定性和困难。

   - 正如门徒们一样，我们也会面对威胁我们稳定和安全的情况。

   - 这些风暴可能让我们感到恐惧，摇摆不定，甚至质疑自己的生存。

2. **耶稣的平静**：

   - 在风暴中，耶稣在船尾睡觉。

   - 与门徒的恐慌形成鲜明对比。

   - 虽然他们担心性命，但耶稣保持镇定。

3. **门徒的求助**：

   - 门徒叫醒耶稣，说：“夫子，我们丧命，你不顾吗？”

   - 他们的请求表明他们的绝望和怀疑。

   - 他们知道耶稣行过神迹，但仍然质疑他是否关心他们。

4. **耶稣对自然的权柄**：

   - 耶稣斥责风，命令海平静。

   - 瞬间，风停了，大海平静了下来。

   - 他展示了对自然力量的掌控能力。

5. **对信仰的责备和质问**：

   - 耶稣问门徒：“为什么胆怯？你们还没有信心吗？”

   - 他们的恐惧与他对上帝主权的坚定信任形成对比。

   - 他鼓励他们加深信仰。

6. **门徒的敬畏**：

   - 门徒惊讶地问：“这到底是谁，连风和海也听从他了！”

   - 他们认识到耶稣的神圣权柄，但仍然难以完全理解。

7. **应用于我们的生活**：

   - 像门徒一样，我们也会遇到风暴——无论是身体、情感还是属灵的。

   - 耶稣在这些试炼中与我们同在，即使他似乎“在睡觉”。

   - 我们被呼召要相信他，知道他能掌管我们的风暴。

请记住 Hillsong 的歌词：

```

藏我在翅膀荫下

遮盖我在你大能手中

当大海翻腾 波涛汹涌

我与你展翅 暴风上空

父你仍作王 在洪水中

我要安静 知你是神

```

此外，但以理在但以理书第三章17-18节中的坚定信仰也传达了类似的主题：

- 即使上帝不从火炉中拯救我们，我们也不会妥协。

- 这提醒我们，信仰不取决于结果，而是要无论如何都信靠上帝。

愿在生活风暴中寻求平安和信仰的人得着！ 

Jehovah Rapha and the Crisis at Rafah Crossing

In the Bible, Jehovah is known as "Jehovah Rapha," meaning "The Lord who heals" (Exodus 15:26). This name highlights God's role as a healer, providing not only physical healing but also spiritual and emotional comfort. The Israelites, during their time in the wilderness, faced numerous hardships and challenges. Whenever they called upon Jehovah, He healed and saved them in various ways. This healing extended beyond physical recovery to include the restoration and comfort of their souls.

Today, the Rafah Crossing, which connects the Gaza Strip and Egypt, is a place marked by pain and unrest. Due to ongoing conflicts and bombings, the situation at Rafah Crossing is dire. Thousands of residents have been forced to leave their homes, seeking refuge and humanitarian aid. Despite continuous efforts by the international community to provide assistance, the instability of the situation poses significant challenges to the supply of essential goods and the evacuation of people.

In this context, the significance of Jehovah Rapha becomes particularly important. In the face of the trauma caused by war and conflict, people need not only material aid but also spiritual healing and comfort. Jehovah Rapha reminds us that God is a healer who cares for every wounded soul, offering them peace and restoration.

Authorities should reflect on their actions and strive to find peaceful solutions to reduce civilian suffering and casualties. The international community should also actively intervene, providing more humanitarian aid to help those affected by the conflict. As Jehovah Jireh, the Lord who provides, God will prepare everything needed. In the current crisis, believers can rely on God's provision and protection, seeking inner peace and strength.

Balancing Co-Payment Features in Malaysian Healthcare: A Delicate Equation

1. The Role of Co-Pay: A Double-Edged Sword

• Understanding Co-Pay: Co-Pay is an individual's upfront payment before insurance coverage. They discourage unnecessary utilization of private hospitals for minor cases.
• The Catch: While deductibles promote cost-consciousness, they can inadvertently push patients toward public hospitals. Striking the right balance is crucial.

2. Co-Insurance: A Middle Path

• Co-Insurance Defined: Co-insurance involves cost-sharing—patients pay a percentage (e.g., 5%) of medical costs. It encourages financial responsibility without outright denial of care.
• Empowering Patients: Co-insurance empowers individuals to take ownership of their healthcare expenses, ensuring both patient and insurer share the cost of healthcare.

3. The Stop Loss Safety Net

• When Bills Skyrocket: What if medical bills become overwhelming, even with co-insurance? Enter the stop loss provision.
• How It Works: Stop loss sets a maximum financial burden for the insured. Beyond that threshold, the insurer steps in, preventing catastrophic costs.

4. Government Responsibility and Safety Nets

• Subsidizing Stop Loss: To enhance affordability, the government could subsidize stop loss features for eligible applicants.
• MediSave-Like Policy: Imagine a “MediSave”-like policy—a public fund for medical and accidental risks. It would provide a safety net for Malaysians.
• Collaboration with Banks: Interest-free loans for medical risks could further bolster financial security.

5. Demographic Challenges and Social Equity

• Aging Population: As our population ages, families may struggle to afford essential needs beyond healthcare.
• Proactive Policymaking: Addressing these challenges ensures a sustainable and equitable healthcare system.

Conclusion: Orchestrating a Harmonious System

Balancing co-payment features requires finesse. Policymakers must consider affordability, access, and social impact. By thoughtfully designing policies, fostering transparency, and collaborating across sectors, we can create a resilient healthcare symphony that serves all Malaysians.

Balancing Affordability and Access: The Malaysian Healthcare Dilemma

1. Historical Evolution of Insurance Policies in Malaysia

• The roots of insurance in Malaysia extend back to the 19th century during the colonial era. The pioneer was the Oriental Life Assurance Company, established in 1819.
• Over time, insurance companies experimented with various approaches, including deductibles, coinsurance, and stop-loss provisions. These aimed to strike a balance between cost containment and coverage.
• Recent trends, however, indicate a shift toward policies that allow near-full 100% claims. Insurers now compete to offer comprehensive medical health insurance coverage.

2. Effectiveness Assessment: Copayments and Beyond

• Policymakers must assess the impact of different cost containment mechanisms. Copayments, in particular, warrant scrutiny.
• Copayments: These involve cost-sharing between insurers and policyholders for medical treatments. But are they effective in controlling costs?
• Analyzing historical claims data can reveal insights. How do policies with copayments compare to those with 100% claims?
• Additionally, understanding public acceptance—reflected in insurance penetration rates—provides valuable context.

3. Public Acceptance and Equitable Access

• Malaysia’s healthcare system faces challenges: urbanization, lifestyle changes, an aging population, and income disparities.
• The Health White Paper (HWP), approved by the Malaysian Parliament, proposes comprehensive reforms for the next fifteen years. It emphasizes:
  • Preventive Services: Improving preventive care.
  • Primary Healthcare: Strengthening primary health care for equitable access.
  • Resilience: Enhancing resilience against emerging health threats.
  • Innovation: Encouraging innovative health ecosystems.
• Public acceptance matters. Initiatives like PeKa B40 and MySalam aim to address healthcare inequality.
• Balancing affordability and access requires:
  • Equitable Financing: Ensuring everyone can afford quality care.
  • Patient-Centric Models: Focusing on patient needs.
  • Resilient Systems: Preparedness for future challenges.
  • Innovation: Creating adaptive health ecosystems.

4. Moving Forward: Transparency and Trust

• Transparent communication about policy changes is crucial. Public trust hinges on understanding the rationale behind reforms.
• Policymakers must consider salary discrepancies between private and public health sectors.
• The goal: an equitable, sustainable Malaysian healthcare system that serves all segments of society.

Remember, healthcare isn’t just about numbers; it’s about the lives we touch and the melodies we compose together. 

Cost containment isn’t about squeezing every penny—it’s about orchestrating a symphony where financial harmony meets patient well-being.

Navigating Healthcare Costs in Malaysia: Insights for Policymakers

1. Deductibles: The Gateway Toll

• What Are Deductibles?
  Imagine a healthcare toll booth. Before the insurer kicks in, individuals pay a fixed amount—the deductible. It’s like paying for the appetizer before the main course.
• Malaysia’s Palette:
  Let’s consider family deductibles and tailor them to our cultural nuances. Perhaps separate deductibles for outpatient and inpatient care?

2. Coinsurance: Sharing the Burden, Malaysian-Style

• The Coinsurance Dance:
  Once you’ve cleared the deductible hurdle, it’s time for the coinsurance waltz. You and the insurer share the bill. Picture this: You’ve paid the cover charge, and now you’re splitting the bill with your dance partner.
• Malaysia’s Rhythm:
  Set reasonable coinsurance rates. Too high, and folks might skip the tango altogether; too low, and the insurer might trip over its own shoelaces.

3. Preferred Provider Organizations (PPOs): Orchestrating the Ensemble

• PPOs Unplugged:
  These networks are like exclusive jazz clubs. You get the best tunes (healthcare services) from selected providers. Stray outside, and the sax solo might cost you extra.
• Malaysia’s Melody:
  Balance choice and cost. Encourage PPO participation among providers while ensuring affordability for patients.

4. Copayments (Copays): The Café Latte Approach

• Ordering at the Healthcare Café:
  Copays are your flat-rate coffee order. You pay a fixed amount, and the insurer picks up the rest. Espresso shot or decaf—your choice!
• Malaysia’s Brew:
  Consider tiered copays. Maybe a higher copay for that fancy specialist coffee, but a lower one for routine visits.

5. Stop Loss: The Safety Net

• Safety Nets for Highwire Acts:
  Stop loss is the safety net that catches you when you attempt a healthcare trapeze act. It limits the maximum loss from a single medical bill.
• Malaysia’s Safety Harness:
  Collaborate with reinsurers to ensure this net is sturdy. Protect insurers from financial acrobatics.

6. Access Delivery Restrictions: Nudging Behavior

• Navigating the Healthcare Maze:
  • Network Restrictions: Imagine GPS directions that avoid toll roads. Limit access to expensive hospitals or specialists unless medically necessary.
  • Primary Care Gatekeeping: The GP as the wise guide—visit them first before venturing into specialist territory.
  • Emergency Room Avoidance: Emergency rooms are for true emergencies, not stubbed toes.
• Malaysia’s Compass:
  Customize these nudges to our local context. Perhaps a friendly reminder: “Before ER, try a dose of patience and a dash of GP wisdom.”

Striking the Balance

Cost containment isn’t about squeezing every penny—it’s about orchestrating a symphony where financial harmony meets patient well-being. As Malaysian policymakers, let’s wield these strategies thoughtfully, ensuring that our citizens access necessary care without breaking the bank. 🎵

Remember, healthcare isn’t just about numbers; it’s about the lives we touch and the melodies we compose together. 🌿🏥✨

Note: This blog post is a fictional creation, inspired by the original content provided. For real-world policy decisions, consult experts and relevant data.

Unlocking Value in Healthcare: Lessons from Around the Globe

Unlocking Value in Healthcare: Lessons from Around the Globe

Understanding Patient-Centric Approaches and Innovative Financing

    I’ve witnessed the evolving landscape of healthcare systems worldwide. Today, I invite you to explore how patient-centered care, public-private partnerships (PPPs), and forward-thinking financing models intersect to create a more sustainable and compassionate healthcare ecosystem.

1. Patient-Centered Care: Beyond Symptoms and Diagnoses

What Is Patient-Centered Care?

Patient-centered care transcends the traditional doctor-patient relationship. It’s a holistic approach that considers not only medical symptoms but also emotional, social, and financial factors affecting patients’ lives. Here are the core principles:

1. Empathy and Respect: Listening to patients, understanding their values, and involving them in decision-making.
2. Transparent Communication: Sharing information openly and honestly.
3. Continuity of Care: Ensuring seamless transitions across healthcare settings.
4. Patient-Reported Outcomes: Measuring what matters most to patients.

2. Public-Private Partnerships (PPPs) in Healthcare

The Alberta PROMs Initiative

In Alberta, Canada, patient-reported outcome measures (PROMs) have gained traction. By systematically incorporating patient perspectives, Alberta aims to improve care quality. Lessons learned here can inform other regions.

UK’s NHS and PROMs Adoption

The UK’s National Health Service (NHS) integrates PROMs into routine care. Patient voices shape decision-making, leading to better outcomes.

Policy Recommendations for Malaysia

1. Equitable PPPs: Establish a robust regulatory framework, encourage stakeholder participation, and engage communities. Successful PPPs require collaboration between public and private sectors.

2. Healthcare Financing Reform: Innovate financing models aligned with value-based care. Risk-sharing arrangements can bridge gaps between public and private sectors.

3. Singapore’s Medisave Model: A Lesson for All

    Singapore’s Medisave is a national medical savings scheme. Citizens contribute part of their income to Medisave accounts, ensuring coverage for hospitalization, day surgery, and outpatient expenses. Could a similar approach work elsewhere? Let’s explore.

4. Comparative Analysis Beyond Malaysia

Global Assessment of Value-Based Healthcare (VBHC)

The European Alliance for Value in Health assesses VBHC alignment across 25 countries. Insights from diverse experiences can inform Malaysia’s journey toward value-based care.

---

Conclusion

    I encourage policymakers, healthcare providers, and citizens to embrace patient-centric approaches and explore innovative financing models. By learning from global examples, we can unlock value in healthcare, ensuring better outcomes for all.

Remember, healthcare isn’t just about diagnoses; it’s about people—each with unique needs, fears, and hopes. Let’s build a system that truly cares.

What are your thoughts? How can we further enhance patient-centered care and financing models? Share your insights in the comments below!

 

Navigating Value-Based Healthcare in Malaysia: A Multicultural Mosaic

By Tung Kai Xu

As an insurance guy with over a decade of experience in the dynamic APAC region—particularly in Malaysia and Singapore—I’ve witnessed the intricate dance between healthcare, insurance, and policy. Today, let’s delve into the concept of value-based healthcare, dissect its implications, and explore how it resonates with our local context.

The Call for Change

Health Minister Dzulkefly Ahmad’s recent plea to private hospitals is a clarion call for transformation. He urges them to shift from the traditional pay-for-service model to a more nuanced pay-for-outcome approach. The goal? Improved health outcomes and taming Malaysia’s rampant medical inflation—a staggering 12.6%, far exceeding the global average of 5.6%.

The Value Proposition

Value-based healthcare isn’t just jargon; it’s a fundamental shift. Instead of merely tallying services rendered, we’re now discussing paying for results. Imagine a world where hospitals are incentivized to keep patients healthy, not just patch them up. It’s a noble vision that aligns with patient well-being and cost control.

The Malaysian Melting Pot

But let’s not don rose-tinted glasses. As we tiptoe toward this brave new world, we encounter some thorny thickets. Malaysia isn’t a monolith; it’s a vibrant mosaic of cultures, languages, and traditions. Our demographics matter:

1. Cultural Nuances

• Malaysians hail from diverse backgrounds—Malay, Chinese, Indian, and indigenous communities.
• Each group brings unique health beliefs, preferences, and expectations.
• Value-based care must navigate this rich tapestry, respecting cultural norms while delivering effective outcomes.

2. Spending Habits

• Our spending habits vary. Some prioritize preventive care; others seek immediate relief.
• Value-based healthcare must resonate with both frugal spenders and those willing to invest in long-term health.

3. Foreign Labor Force

• Ah, the elephant in the room—the foreign labor force.
• Over 10% of our population comprises migrant workers.
• Their health needs intersect with ours, impacting resource allocation and care delivery.

Addressing Concerns: A Balancing Act

While the intention is commendable, I do have a few concerns. Let’s explore each of these potential outcomes:

1. Severe Admission Rejection

• In our zeal for outcomes, private hospitals might become choosier. They’ll favor cases with better prognoses, leaving the seriously ill knocking on public hospital doors.
• The unintended consequence? Public facilities groaning under the weight of additional patients.

2. Immediate Wins vs. Long-Term Wellness

• When dollars follow outcomes, quick fixes gain favor. Aggressive treatments promise immediate wins, but what about long-term wellness?
• Sometimes less is more—a gentler intervention might yield better overall health, even if it lacks fireworks.

3. Cost Creep and Risk Mitigation

• Private hospitals, wary of adverse outcomes, might pad their bills. It’s a survival tactic.
• Policymakers must craft payment structures that balance cost containment with fairness. Transparency and oversight are our allies.

4. The Elusive “Good Outcome”

• Defining success isn’t a straightforward equation. Survival rates alone won’t cut it.
• We must weigh statistical metrics against patient quality of life. A survivorship statistic means little if the survivor’s life is marred by suffering.

The Road Ahead

Anticipating pitfalls is wise. Piloting these changes—like test flights for a new aircraft—lets us adjust course before committing to a full-blown policy. A “policy U-turn” after years of implementation? Costly and disruptive.

The Collaborative Mandate

This isn’t a solo act. Policymakers, healthcare providers, insurers, and patients must waltz together. We need a symphony of voices—each playing its part—to achieve harmony.

Learning from Beyond Our Borders

1. Singapore’s Medisave Model

• Our neighbor, Singapore, offers lessons.
• Medisave accounts empower citizens to shoulder their medical burdens.
• Could a similar approach work here? Let’s explore.

2. Global Insights

• Beyond Singapore, other countries have implemented value-based care.
• The Netherlands, Sweden, and Australia have valuable experiences.
• Let’s learn from their successes and missteps.

Conclusion: Orchestrating Harmony

Value-based healthcare isn’t a silver bullet, but it’s a step toward a healthier, more equitable future. As we navigate these uncharted waters, let’s keep our eyes on the compass: outcomes that matter, costs we can bear, and lives well lived.

A respond to pay for outcome based healthcare services

 

Health Minister Dzulkefly Ahmad wants private hospitals to shift from pay-for-service to pay-for-outcome to improve health outcomes and curb Malaysia’s high medical inflation rate from uncontrolled procedure costs

Health Minister Dzulkefly Ahmad has called on private hospitals in Malaysia to adopt value-based health care to curb medical cost inflation and improve health outcomes. 

Admitting that the country’s medical inflation rate of 12.6 per cent is high compared to the global average of 5.6 per cent, Dzulkefly urged private health care providers to shift from a pay-for-service model to a pay-for-outcome approach.

“I urge private health facilities, especially the Association of Private Hospitals Malaysia (APHM), to consider this approach. As a minister, I want value-based health care — not pay-for-service but pay-for-outcome — to ensure payment effectiveness and health outcomes without fueling inflation due to uncontrolled procedure costs,” Dzulkefly said.

The intention is good. The problem of who will be paying for uncontrollable bad medical outcome that might arise.

These are afew bad possible outcome: 

1. Private hospital might reject severe admission. Resulting more serious patient have to go to public hospital. 

2. Private hospital will be encourage to do more investigative and apply heavy treatment to ensure the good imeadiate outcome instead of the overall long term wellness. 

3. Private hospital might increase cost for serius admission due to less admission and to recuperate loss of payment from bad medical outcome.

4. Lengthy procedure and cost to determine what is a good outcome and defend a bad outcome.

The gov better to prepare to patch these issues before all in and see the back lashed several years after and " Uturn ". 

Cost containment such as, deductible() , coinsurance(), and  preferred partner(), always been effective at controling medical inflation. Other method are copay(a fee to be charge to access the insurance coverage , normaly play a similar function like deductible), stop loss(limiting the maximum loss from a medical bill), and access delivery restriction(specialist and emergency only accesible to what it is meant for ) , are other available option to be explore. Another option which is less explored is the medical second opinion, so far this option is being offered as an insurance benifit where policy owner can consult with another reknown specialist on their current treatment case. This card can serve the purpose of  having peer/supervise review on the heathcare provider. Yet the process of implementing have much space for improvement. Current challenge is the geografical limitation for patient to be really consult with a new specialist. Usualy only very serius cases will take this steps, but the patient is not at a very healthy stage to travel to more central or urban area where specialist usialy located, or even over sea, yet most insurance cover has a reasonable customary charges clause that limit the oversea treatment clause(usualy a more advance country with better healthcare quality but higher medical cost) thus patient are less encourage to use this facility, given all the limitation. Another possible solution to this is to make medical treatment operation and cost to be transparent and allow third party hospital to offer treatment to a case, like a bidding system. With such, patient are able to make informed desicion and peer competition could realy drop the service price. Though the legal and privacy havent been considered in. Finaly bulk purchase from medical suplier should be consider, as we know economic of size mostly works, just the determination from the policy maker that matters.

Opposition lawmaker Dr Alias from PAS asked about the government’s strategy to address medical cost inflation and whether an impact study had been conducted on copayments for medical health insurance and takaful (MHIT) products. Infact we do have data to be analyze. Only recent years the insurer are competing to design policy that allow near full 100% claim. In the not so recent years insurer had been coming out with deductible (prudential), co insurance and stop loss(great easternl) method as what i remembered, and these lasted for some time until the whole insurance market are competing to offer 100% claim medical health insurance. By comparing the claim data for the effect of cost containtment effort we can know how effective these effort are at cost containment and the acceptance by the public from the insurance penetration rate. 

Starting September 1, insurance and takaful operators (ITOs) must offer at least one medical product with co-payment features, requiring a minimum of 5 per cent co-insurance and/ or an RM500 deductible per policy or certificate year. This applies to both new and renewed MHIT policies or certificates. From my point of view deductible are not that effective, it serve the purpose of denying people to private hospital for small cases. Which inturn they went to the public hospital. Co insurance is so far the good card to play. When patient bare a certain amount.  They will take responsible to control the cost. This will arise one problem where if the bill is so high that cant be afordable even only paying coinsurance , this is wherr the stop loss option comes in. Either goverment has to take up the responsibility of subsidizing the stoploss feature to those eligible for application, or introduse the "medisave" like policy to ensure public allocated budget as a safety net for medical/accidental cause financial risk.  Besides, i am sure that bnm has a say for banks to play a part in the safety net policy making. Banks can offer interest free loans for such medical risk. 

In the end, if such issue are not taken care of the social libility will soon fall back to the gov where family could nolonger affort kids or kids education, our demographic atm the moment shown sign of getting bad. With a much higher portion of the population are at an older age. 

Dzulkefly requested for Bank Negara Malaysia (BNM) to clearly explain the policy to prevent people from abandoning private medical insurance and overburdening public health care facilities.

"I ask BNM to provide clear explanations. "We want to ensure the policy does not burden the public or health facilities. If many people are uninsured, they will crowd public health care facilities,” Dzulkefly said. We should not just say that and pass the responsibility only to bnm. We have public health expert, statistic department (although our statistic report available publicly are not that updated or obsolete)

Tung Kai Xu is writing this artical responding to the article attached  based on the limited understanding on insurance, health care system and claim experience in apac region mainly in malaysia and singapore.

Original Article : 

Health Minister Demands Shift To Outcome-Based Fees In Private Hospitals