If people make noise about OOP paying less, and hoping that insuranc3 patient can pay less also.

Sorry  I think they're mistaken, more like OOP will now have to pay just ad much as insured patients.

As you can see the bulk of charges go to the hospital not the doctor performing the surgery

You obviously dont know how it works. If got insurance (even for outpatient coverage), need to apply for GL BEFORE seeing. This process can take 1-2 hours. If lets say during application got issue (limit inadequate, policy expired etc), then they will let the customer know if want to proceed to self pay. If GL issued, then the final bill will go direct to insurance. Customer pays nothing.

If no insurance, then no need take trouble apply for anything. Final bill goes straight to customer and he pays before leaving.

Hence the nurse will always ask if got insurance or not during registration. Not because the nurse will put different level of charges if got insurance.

Again I ask you, how is it insurance fault? The cost is only 8K and they need to pay 20K. It will hit their claims profile and reduce their profits. Claims is the biggest costs to insurance companies.

OOP cheaper? Hospital happily admit you and charge insurance? No way. I got bad fever, vomiting, muscle pain, joint pain etc. went to ED gleneagles at 2AM Sunday, after 1 h, they semt me home. had to pay rm1.8k just for that. I mean, if I want MC i will go during working day. My tests also indicates AKI but they just ignore. Went to mamak buy coconut water and some other isotonic drinks and treat myself. Pay insurance for years, but want to use for first time also denied. F*** prubsn

why they discharged you?

GL is issued for hospitalisation lah. In this case he’s going to see specialist only not getting hospitalised. The nurse is asking whether you have insurance in this case like how you claim your company insurance lah. You go see GP also the same. When you say you are claiming, the bill will be higher than paying cash.

They are already in talks and the government is advocating it but the private hospitals seems to take a stand that their pricing can’t be regulated.

KKM can’t do much as it’s free market and it’s different from the refunds.

You see he managed to cure himself which means that the hospital was right in not hospitalising him. This is probably one of the reasons why hospital costs in increasing as a lot of people just want to be hospitalised leading to rising cost. That’s why insurance companies today are really strict about hospitalisation.

Are you sure? Personal experiences: for endoscopy, pay myself vs claim insurance and the expected amounts would be very different.

Well, in this case they are right. You managed to cure yourself and does not warrant hospitalisation. LOL

more like insurance company dont want the patient to get hospitilized. same thing happened to me, neurological issue but say can be done in outpatient manner. only rejected after 4 farking hours.

sometime i think what kind of situation warranted for hospitilazation? you need to pengsan first,temp goes above 40c, blood pressure goes 200, heart rate through the roof baru can hospitilize issit.

both industries colluding with each other... leaving patients with increasing insurance premium every year

both unethical, unprofessional, and money driven. PUI!

but still we gonna buy, or else its gonna burn our pockets

Well, they have in-house doctors to determine whether hospitalisation is necessary or not. Today, they have gotten very strict. My wife do minor surgery in the morning, they also won’t allow hospitalised and ask you to go home rest yourself.

Neurological issue I don’t think they will hospitalise unless it’s life threatening or you’re incapacitated. If you’re able to walk, talk and do things yourself, they will deem you not necessary hospitalised.

well it was that hospital neuroligist who suggested for hospitalization as they want to carry more tests (full scan mri, lumbar puncture,eeg, ncs), but oh well kena rejected. whatever la got recovered without treatment.
when i sembang with gomen psychiatric, she said i probably have meningitis, but anyway its recovered, so she wont tendang the case back to neurologist.