This is just a suggestion for future medical care in
Malaysia.
User: Normal
People who work/stay in the same region for example Klang Valley.
Insurance Companies :
Local Universities with Medical Degree Program with a running hospital. (UKM,
UM, UIA, UiTM etc).
Banker/regulatory
body: An institution which withheld the fund paid by policy holder on
behalf of the universities. This body responsibility is to slowly disburse fund
to local universities as many universities are inexperience in handling fund
and can easily run out of $$.
Each user upon it’s first employment he can buy a long term insurance
policy from one of the local universities. This fund will be slowly disbursed
to the universities as operational expenses and future development.
First before the user is admitted for a long term insurance
policy, the local universities will do a health check and analysis on the
user. Base on the user lifestyle, a
premium value is calculated and the users are admitted to the insurance policy.
Any big health issues with the policy holders, it is the local university
medical faculty responsibility. There is no hassle in checking insurance company.
Just come and you ‘ll be served.
Transparency, a statistics of number of doctors, specialist
for each area, medical facilities and other resources are identified, published
and they are bind to the policy holder. Policy holder will be served first
instead of non-policy holder.
Policy Holder
trading.
Let say Mr Charlie move from KL to Kota Bharu. He can change
his policy from UM to USM hospital. The will be a small handling fee and if Mr
Charlie lifestyle is extremely bad, USM hold the right not to accept Mr Charlie
policy.
Let say Mr Alex who currently a policy holder from UM, he is
not happy with the service. He can switch to UKM.
Towards a healthier
society.
The university is incentified to implement a healthy
lifestyle program among its policy holders to minimize their future health
expenditure and yet collect the same amount of premium. More focus will be done
on prevention side. Thus, a lot of health problem will be eliminated.
There is a lot of unclear issue to address. Thus, a new
company should be formed consisting of local universities medical faculty team,
medical testing facilities company such as BPLab, insurance companies and
banker. This will facilitate the move to a healthier society at a more
affordable price. It must be regional for example Klang Valley only. It should
not be nation-wide like “National Health Care System” which bound to be failure.
Direct feedback. Shorten the feedback
cycle and you will see a more sensible result/action.
Example: for dental care.
The maximum age for dental patient new policy holder is 25
year old. The policy is renewable up to age 70. An annual fee of RM200-300/- is
required. Inflation price will be added yearly.
Coverage: Dental filling, yearly dental check-up. For every 10
years, 1 crown, 1 root canal treatment.
Term: Good behaviour such as daily brush teeth, not eating
hard food.
Non-coverage: accident, teeth implant.
If this policy is done early, many people don’t need root
canal treatment.
In Summary, ”old time local dentist guarantee”, if you come
here every time, I guarantee you no need root canal for the rest of your life.