Welcome

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 th

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 p

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

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 histor

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: Thes

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: Empathy and Respect : Listening to patients, understanding their values, and involving them in decision-making. Transparent Communication : Sharing information openly and honestly. Continuity of Care : Ensuring seamless transitions across healthcar

  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 w

  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. Th

    被冤枉被欺负的经历不好受，那个气闷在心里就好像要爆炸。事情的经过就不说了但是就是会生气。今天就遇上了，因为一段时间都没生气了以为自己已经可以控制情绪了，事情一发生我就控制不了了，生气了，当然生气也包括起床气和打电话没人接听(都是给自己生气合理化找的借口)。深呼吸深呼吸，冷静冷静。后我就想是不是上帝要给我什么功课，是不是我已经自以为是的以为可以控制情绪而忘了是神给我的恩典让我可以得从祂而来的平安。当念头一转我便想起了神好像要跟我说为什么你要认为生气是坏事(因为我一直都以为生气是不好的，箴22:24 “好”生氣的人、不可與他結交．暴怒的人、不可與他來往。 )神允许我有情绪，生氣可以，不要做“好”生氣的和暴怒的，以弗所書4:26 生氣卻不要犯罪．不可含怒到日落．上帝关注的不是我生不生气而是犯不犯罪。 默想：是不是有什么事自己一直认为是对的，而上帝一起又一次的会透过事件好好的告诉自己呢？而自己常不敏感的没察觉到神要对自己说的话 。 祷告：亲爱的天父啊，谢谢你那么爱我，求你赦免我在忤逆你心意的事上犯的罪，求你保守我的心，求你指教我让我能好好的认识你，能更了解你的旨意，活出你喜悦的生活，荣耀你的名，享受在你赐给我生命里的丰盛，得享你与我同在的平安。祷告是奉主耶稣基督的名求的，阿们。 经历这事让我好好去读经把有关发怒的经文挖出来，反复思考。 箴11:4 發怒的日子、資財無益．惟有公義能救人脫離死亡。 箴14:17 輕易發怒的、行事愚妄．設立詭計的、被人恨惡。 箴14:29 不輕易發怒的、大有聰明．性情暴躁的、大顯愚妄。 箴16:32 不輕易發怒的、勝過勇士．治服己心的、強如取城。 箴19:11 人有見識、就不輕易發怒．寬恕人的過失、便是自己的榮耀。 傳5:6 不可任你的口使肉體犯罪．也不可在祭司〔原文作使者〕面前說是錯許了．為何使　神因你的聲音發怒、敗壞你手所作的呢。 羅12:19 親愛的弟兄、不要自己伸冤、寧可讓步、聽憑主怒．〔或作讓人發怒〕因為經上記著、『主說、伸冤在我．我必報應。』 林前13:5 爱是不作害羞的事．不求自己的益處．不輕易發怒．不計算人的惡．

Smart Invest Premier 2 is an investment-linked insurance plan offered by Great Eastern Life. Here are the key details: 1. High Premium Allocation: From the first policy year onwards, 95% of your premiums will be placed into unit funds. This helps you build wealth right from the start. 2. Loyalty Incentive: You'll receive an additional 2% Loyalty Incentive every 3rd policy year up to the 10th policy year, and 5% annually from the 11th policy year onwards. Which means extra 5% sales charges for funds invest from the 11th year onwards. 3. No Medical Underwriting: Signing up is hassle-free, with no health questions or medical examinations required. 4. Protection Against Death and TPD: In case of death or Total and Permanent Disability (TPD), your sum assured and total investment value will be payable to secure your loved ones' future. 5. No-Lapse Guarantee: The plan includes a 'No-Lapse Guarantee' for the first 3 policy years. Even if your total investment value becomes zer

1) over investigative 2)over treatment 2)FWA fraud, waste, abuse, 3)charges discrepancy  What else?

electroencephalography Sounds like u h · lek · trow · en · seh · fuh · lo · gruh · fee

      The recent legislative changes have introduced a new requirement for insurance policies to be sustainable, mandating the provision of sustainability reports to policyholders. While this act aims to protect policyholders by ensuring long-term stability and coverage, it also contributes to the rising costs of insurance premiums. Let's delve into the details of this act and its implications on both insurers and insured individuals. Linkedin Post Understanding the New Sustainability Act **Mandating Sustainability Reports**: - **Transparency and Accountability**: The new act requires insurers to provide detailed sustainability reports to policyholders. These reports must outline how the policy is designed to remain viable and sustainable over the long term, particularly up to age 99. - **Long-Term Protection**: By mandating sustainability, the act aims to ensure that policyholders are covered well into their later years, reducing the risk of policies lapsing or becoming underfunde

After interviewing a physician with 30 years of experience working in a private hospital, we gain valuable insights and heard about  firsthand witness on the incredible advancements in medical technology. These innovations have revolutionized patient care, offering new possibilities for diagnosis, treatment, and management of various conditions. However, the high costs associated with these cutting-edge technologies significantly contribute to the overall increase in healthcare spending. Cutting-Edge Technologies and Treatments Robotic Surgeries: Precision and Minimally Invasive: Robotic-assisted surgeries, such as the da Vinci Surgical System, provide unparalleled precision. These systems allow for minimally invasive procedures, reducing recovery times and improving patient outcomes. Cost Implications: The initial investment in robotic surgical systems is substantial, often running into millions of dollars. Additionally, maintenance, specialized training for surgeons, and disposable i

Understanding the Rise in Medical Costs and Insurance Premiums In recent years, both medical costs and insurance premiums have seen a significant uptick. This trend has raised concerns among consumers, policymakers, and healthcare providers. Why are these costs rising, and what can be done to address this pressing issue? Factors Driving Higher Medical Costs 1. Advances in Medical Technology:    - Cutting-edge technologies and treatments are often expensive. While they can lead to better outcomes, their high costs contribute to overall healthcare spending.    - Examples include robotic surgeries, advanced imaging techniques, and personalized medicine. 2. Aging Population:    - As the population ages, the prevalence of chronic diseases such as diabetes, heart disease, and cancer increases. Managing these conditions requires ongoing medical care, driving up costs.    - Older adults typically need more frequent and intensive healthcare services. 3. Drug Prices:    - Prescription drug price