Summary Continuantion

Insurance is a financial tool, not a welfare pool. It is only viable if it's claim experience is sustainable. The pool of funds will be drained if people only expects to buy insurance at the standard price when they are ill. In layman terms, it is like Toto; you don't expect to pay the same $0.50 for System 7 entries as compared to ordinary entries. The latter has a higher chance of striking the prize than the former. There are so many people who are ignorant and shuns insurance premiums when they are healthy, and expects to pay the same premiums when they realised they are no longer well as before. Medishield is merely a insurance scheme facilitated by the government, not a welfare pool. We just have to invest more resources to educate people to better harness this financial tool.