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 Couple pension monthly RM7k + RM1m, x cukup..

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submergedx
post Yesterday, 09:16 PM

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of course not enough la

you give me 5m i also say not enough

diu
max_cavalera
post Yesterday, 09:24 PM

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QUOTE(vhs @ Dec 2 2025, 06:42 PM)
At least Japan has universal health care for all citizens to reduce their medical expense burdens. Over here, you either pay for expensive insurance with ceiling cap and unexpected hidden exclusion clauses, or prepare for a bomb expense, or prepare to wait in a long queue for critical illness treatment. Most of the biggest worry will come from unexpected medical expense in the golden years.

See the thread here:
https://forum.lowyat.net/topic/5546888

Meaning you pay for expensive private insurance still not guarantee it will help you when the time comes.

That's why universal health care has some advantages.
*
The usual /k argument other country always better than us.

Do you know their universal healthcare, theres a mandatory deduction from their payslip? It almost similar to UK style healtchare insurance tax on their payslip. Mesia gomen got take % monthly from ur payslip wonot too fund our free kkm singgek healthcare?

It depends a bit on the prefecture in Japan — but here’s a typical case for a salaried worker paying for universal healthcare / social insurance in 2025. 
For health insurance under Japan Health Insurance Association (Kenko-Hoken), the employee share is about 4.95% of standard monthly salary. 
• If the employee is aged 40–64, there is an additional long-term/nursing-care insurance charge of around 0.8% (shared equally between employee and employer).


So in the future, you ok mesia gomen take 5%+ monthly from your payslip to fund your universal healthcare that you may or may not use?

This post has been edited by max_cavalera: Yesterday, 09:30 PM
killdavid
post Yesterday, 09:46 PM

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QUOTE(max_cavalera @ Dec 2 2025, 09:24 PM)
The usual /k argument other country always better than us.

Do you know their universal healthcare, theres a mandatory deduction from their payslip? It almost similar to UK style healtchare insurance tax on their payslip. Mesia gomen got take % monthly from ur payslip wonot too fund our free kkm singgek healthcare?

It depends a bit on the prefecture in Japan — but here’s a typical case for a salaried worker paying for universal healthcare / social insurance in 2025.  
For health insurance under Japan Health Insurance Association (Kenko-Hoken), the employee share is about 4.95% of standard monthly salary.  
• If the employee is aged 40–64, there is an additional long-term/nursing-care insurance charge of around 0.8% (shared equally between employee and employer).


So in the future, you ok mesia gomen take 5%+ monthly from your payslip to fund your universal healthcare that you may or may not use?
*
If health insurance keep going up then might as well implement this.
Save on med insurance and you can stamp out the insurance+private health care cartel that is sucking us dry
vhs
post Yesterday, 09:47 PM

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QUOTE(max_cavalera @ Dec 2 2025, 09:24 PM)
The usual /k argument other country always better than us.

Do you know their universal healthcare, theres a mandatory deduction from their payslip? It almost similar to UK style healtchare insurance tax on their payslip. Mesia gomen got take % monthly from ur payslip wonot too fund our free kkm singgek healthcare?

It depends a bit on the prefecture in Japan — but here’s a typical case for a salaried worker paying for universal healthcare / social insurance in 2025.  
For health insurance under Japan Health Insurance Association (Kenko-Hoken), the employee share is about 4.95% of standard monthly salary.  
• If the employee is aged 40–64, there is an additional long-term/nursing-care insurance charge of around 0.8% (shared equally between employee and employer).


So in the future, you ok mesia gomen take 5%+ monthly from your payslip to fund your universal healthcare that you may or may not use?
*
Actually like it or not, you are going to get that deduction anyway for one reason or the other. By my point was not about this. My point was the worth of that amount that they are receiving, at least that does not have the additional worry that medical expenses gonna suddenly create a huge problem for them. Meanwhile same amount of money in Malaysia will have that hidden worry. Private health care insurance could be a substitute for a national health care plan, but there is always hidden concerns that when you truly need it, you cannot get your claim unlike a national health care which do not have such conditions. We already heard how Malaysia private health care can decide for you what kind of treatment you can get, instead of what is best for you.

This post has been edited by vhs: Yesterday, 09:52 PM
max_cavalera
post Yesterday, 09:49 PM

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QUOTE(killdavid @ Dec 2 2025, 10:46 PM)
If health insurance keep going up then might as well implement this.
Save on med insurance and you can stamp out the insurance+private health care cartel that is sucking us dry
*
I have no doubt in 5-10 years time mesia wont generate yinuf moneh to fully fund our kkm singgek annual budget expenditure.

But i think they will gradually cut ron95 subsidy in stages to cover the yearly increasing budget until absolute minimum.

Then once deficit grow larger. Theres no other choice but to charge national healthcare tax 2.5-5% from all our salary to help cover the kkm budget…

This post has been edited by max_cavalera: Yesterday, 09:50 PM
killdavid
post Yesterday, 09:51 PM

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QUOTE(max_cavalera @ Dec 2 2025, 09:49 PM)
I have no doubt in 5-10 years time mesia wont generate yinuf moneh to fully fund our kkm singgek annual budget expenditure.

But i think they will gradually cut ron95 subsidy in stages to cover the yearly increasing budget until absolute minimum.

Then once deficit grow larger. Theres no other choice but to charge national healthcare tax 2.5-5% from all our salary to help cover the kkm budget…
*
Kkm singgit only for senior citizens.
Then the young not burdended by their parent's healthcare
patt_sue
post Yesterday, 10:15 PM

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go retire in thailand or vietnam
MR_alien
post Yesterday, 10:36 PM

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lemme tell you what the real problem is
the real problem isn't money, it's mindset and perception

young people can travel just fine with minimal $$$
the problem with baby boomers is their perception of travel is shopping
that perception needs to change, you're travelling to see the world...NOT shopping

u already retired, you don't need to buy this and that for him and her

This post has been edited by MR_alien: Yesterday, 10:37 PM

 

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