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Couple pension monthly RM7k + RM1m, x cukup..
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vhs
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 Yesterday, 05:42 PM
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Getting Started
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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/5546888Meaning 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. This post has been edited by vhs: Yesterday, 05:47 PM |
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vhs
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Yesterday, 09:47 PM
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Getting Started
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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 |
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