logo
‘Use of EPF Account 2 for health insurance voluntary'

‘Use of EPF Account 2 for health insurance voluntary'

The Sun14 hours ago
PUTRAJAYA: Using the Employees Provident Fund (EPF) Account 2 for the government Medical and Health Insurance Takaful scheme is entirely voluntary, said Health Minister Datuk Seri Dr Dzulkefly Ahmad.
'Even the basic medical health insurance takaful itself is not compulsory,' he said at a media conference at the national-level World Food Safety Day 2025 celebration yesterday.
Dzulkefly said Malaysians who choose to purchase the coverage could do so either through out-of-pocket payments or using funds from Account 2.
'It is a voluntary product. This is not like the National Health Insurance scheme proposed in the past. There is no compulsion.'
The scheme, developed jointly by the Health Ministry, Finance Ministry and insurers, aims to offer affordable basic protection options to the public.
Contributors had raised concern that the use of EPF savings for insurance might deplete their retirement funds.
On a separate matter, Dzulkefly revealed that Malaysia recorded 204 food poisoning cases between January and May, compared with 707 cases in 2024, a 23% decline.
He emphasised the need for continued vigilance.
'I want to do better. I am never complacent.'
Themed 'Food Safety: Science in Action', the event held at the Alamanda Shopping Centre in Putrajaya saw simultaneous programmes carried out in five states, namely Johor, Selangor, Penang, Sabah and Sarawak.
Dzulkefly said food safety must become an everyday priority and not just a seasonal campaign.
He urged the public to take responsibility through simple practices such as inspecting food labels, ensuring proper storage and applying the 'look, smell and taste' approach before eating anything.
'Food safety begins with us. We are the first checkpoint.'
He also highlighted the economic burden of non-communicable diseases, citing an estimated RM64.3 billion in annual direct and indirect costs to manage illnesses such as cancer, heart disease, diabetes and hypertension.
'We will never be able to build enough hospitals to manage the sick if we fail to prioritise prevention.'
On the enforcement of the smoking ban at eateries, Health Deputy Director-General (Public Health) Dr Ismuni Bohari said smoking remains prohibited within three metres of any area at which food is served, even if tables and chairs are
placed outside the formal premises.
He said local authorities are responsible for licensing the physical layout of food outlets, but the smoking restriction is enforced under the Control of Tobacco Product Regulations.
'We want to protect the public from exposure to second-hand smoke, especially in dining areas.'
Orange background

Try Our AI Features

Explore what Daily8 AI can do for you:

Comments

No comments yet...

Related Articles

Yoga celebration bridges cultural ties between Malaysia and India
Yoga celebration bridges cultural ties between Malaysia and India

Sinar Daily

time11 hours ago

  • Sinar Daily

Yoga celebration bridges cultural ties between Malaysia and India

Indian High Commissioner to Malaysia, B.N. Reddy, said the message of unity and inner balance through yoga is increasingly resonating with Malaysians of all ages. 06 Jul 2025 12:01pm Secretary-General of the Ministry of Youth and Sports, Datuk Dr Nagulendran Kangayatkarasu, and Indian High Commissioner to Malaysia, B.N. Reddy, join participants at the 11th International Day of Yoga 2025 programme held in the vicinity of the Batu Caves Temple. - Bernama photo KUALA LUMPUR - Yoga continues to serve as a powerful bridge for Malaysia-India cultural ties and youth engagement, as more than 1,200 participants joined the 11th International Day of Yoga (IDY) 2025 celebration at the iconic Batu Caves here recently. Jointly organised by the High Commission of India here and the Netaji Subhas Chandra Bose Indian Cultural Centre (NSCBICC), in collaboration with several Malaysian partner organisations, the event was held under the global theme "Yoga for One Earth, One Health.' Secretary-General of the Ministry of Youth and Sports, Datuk Dr Nagulendran Kangayatkarasu, listens to the speech by Indian High Commissioner to Malaysia, B.N. Reddy, during the 11th International Day of Yoga 2025 programme held in the vicinity of the Batu Caves Temple. - Bernama photo Indian High Commissioner to Malaysia, B.N. Reddy, said the message of unity and inner balance through yoga is increasingly resonating with Malaysians of all ages. "There is growing popularity of yoga in Malaysia across the age groups and its wider integration into wellness, physical as well as mental health programmes,' he said in a statement issued by the Indian High Commission here. The event was also attended by the Ministry of Youth and Sports secretary-general, Datuk Ts Dr K. Nagulendran, who joined as the chief guest. A 40-minute yoga session, based on the Common Yoga Protocol (CYP), was led by trained instructors, with the demonstration of yoga asanas (postures) being well received by the participants. IDY is celebrated annually on June 21 following its declaration by the United Nations in 2014, recognising yoga's universal appeal and benefits for physical and mental well-being. This year marks the 11th edition of the celebration, rooted in the ancient Indian practice that continues to gain worldwide popularity. Meanwhile on a separate event, the Sakthi School of Yoga entered the Malaysia Book of Records after gathering 5,368 participants during its IDY event held at MAEPS, Serdang recently. - BERNAMA More Like This

Costly private or over-burdened govt hosps?
Costly private or over-burdened govt hosps?

Daily Express

time11 hours ago

  • Daily Express

Costly private or over-burdened govt hosps?

Published on: Sunday, July 06, 2025 Published on: Sun, Jul 06, 2025 By: Lee Ke Yin, Tee Chen Giap Text Size: RECENTLY, Malaysians have been bombarded with headlines about rising medical costs, forcing many to either pay up, or forgo private healthcare, and turn to the 'near-collapsed' public healthcare system. Both are undesirable options. Meanwhile, across the globe, just a few months ago, Luigi Mangione, in a moment of rage and desperation, pulled the trigger on Brian Thompson, the CEO of a major US health insurance company. Advertisement The impact of the gunshots that were fired in New York still continue to ripple throughout the world. To some, it was an act of senseless violence. To others, it was the breaking point for a man who saw himself as a victim of a healthcare system that decides who gets to live and who doesn't. While Malaysia's healthcare system differs significantly from that of the US, we are similarly facing a dire healthcare crisis: Malaysians find themselves trapped between unaffordable private care and an overstretched public system struggling to provide essential services. As our country navigates this two-pronged healthcare crisis, what can be done before it collapses and creates our own Luigi Mangione? Generally, healthcare systems follow either the Bismarck model, developed by Otto von Bismarck, Germany's first chancellor, or the Beveridge model, developed by William Beveridge, a British economist-politician. The Bismarck model was adopted to build healthcare funded by private insurance and employers, as reflected in the US, while the Beveridge model gave birth to the taxpayer-funded National Health Service in the UK, which the Ministry of Health Malaysia (MoH) system is based on. However, as demand for healthcare grew, private hospitals, health insurance schemes and employer-sponsored medical benefits rapidly sprouted in the country. This was how the two-tiered healthcare system started in Malaysia: A taxpayer-funded public healthcare system and a market-driven, predominantly insurance-based private healthcare system. The key difference between the US' and Malaysia's healthcare systems is that while Malaysians can always rely on the 'safety net' of taxpayer-funded public healthcare, Americans do not have this 'privilege'. This prompts a crucial question: Is healthcare a fundamental human right, or is it merely a privilege dictated by power and economic forces? Malaysians know very well that our public healthcare system has long been overstrained. It suffers from overcrowding and extremely long waiting times. In some government hospitals, it is not unknown for patients in emergency departments to experience waiting times of over 24 hours before being admitted. The bed occupancy rate (BOR) in some hospitals has even surpassed 100pc, leading to the use of makeshift beds in corridors. Furthermore, the pressure on doctors and nurses is evident from the newspaper headlines that range from 'Malaysia's medical graduates glut' to 'It's back to a shortage of doctors', the contract doctors' strike (Hartal Doktor Kontrak), and the recent government mandate for longer working hours for government staff nurses. This issue is exacerbated by the low level of public healthcare spending, where the latest regional data in 2021 shows that it amounts to only 4.38pc of Malaysia's gross domestic product — significantly lower than our neighbours (Thailand 5.16pc, the Philippines 5.87pc, Singapore 5.57pc) and well below the spending level seen in developed countries (more than 10pc of GDP). While Malaysians often pride themselves on the 'cost effectiveness' of our healthcare system, it comes at the price of quality healthcare delivery due to a long-standing mismatch between supply and demand. All of this leads to poorer health outcomes for Malaysians, from delays in receiving crucial treatment to constraints in accessing more effective (but costly) treatment options. Till today, discussions among stakeholders have largely focused on public health, and the legal and economic aspects of the healthcare crisis. A crucial, fresh perspective needs to be introduced to the discussion table. As healthcare decisions and policies are enacted that benefit particular stakeholders while depriving others, these should be viewed as active exercises of 'biopower'. The term 'biopower' was popularised by an influential French historian and philosopher, Michel Foucault, in the mid-20th century. It refers to the state and institutions actively regulating lives, health, reproduction and mortality, with the ultimate goal of managing populations. In modern societies, power is no longer limited to traditional sovereign control, as it can manifest in more subtle mechanisms such as policies, health normalisation and surveillance — ultimately deciding who lives and dies within a population. In other words, it has shifted from a 'power to take life [away]' to a 'power over life', or rather, a power to 'help live and let die'. The state actively controls resource allocation and determines the standard of healthcare accessible to the population, shaping health outcomes through policy decisions. It has sadly become 'normal' for Malaysians to suffer complications of diabetes, such as heart disease, cancers, and including amputations, despite these being largely preventable especially when benchmarked against other nations. When diagnosed with diabetes, Malaysians often do not feel an urgency to regain control of their health due to the 'norm' set by current policies, budgets and healthcare standards — a downwards spiralling continuum. The fact that Malaysia is the most obese country in Southeast Asia — due to lifestyle, food and health literacy factors, all of which are influenced by policies through biopower — makes it even less surprising that we have the highest prevalence of diabetes in Asean. This forces us to confront a difficult reality: Who is being left behind or, to use the words of Foucault, 'to let die', in the pursuit of economic efficiency? On the other hand, in private healthcare, healthcare costs are skyrocketing, as seen in University Malaya Medical Centre's medical fees surging by over 200pc, to insurance companies reportedly intending to increase healthcare premiums by up to 70pc this year, until regulators intervened. While the existence of a two-tier system offers more options for Malaysians seeking medical treatment, many such treatments remain out of reach: Only 22pc of Malaysians are insured by personal medical insurance. More worryingly, a stark number of Malaysians are going bankrupt due to healthcare expenditure. Out of 8,321 debt default cases solved by the Credit Counselling and Debt Management Agency (AKPK) in 2015, some 14.3pc was due to high medical costs. The rapid rise in medical inflation will drive more Malaysians away from private healthcare, while further overwhelming the already strained public healthcare. At face value, the decision by faceless bureaucrats to hike medical fees can always be justified through economic reasoning. However, we must critically examine how the decisions of these institutions, even when driven by economic logic, can profoundly shape the lives of Malaysians. The framing of healthcare as a mere commodity — subject to market forces and investor returns — should be challenged, especially when discussions reduce it to a numbers game. Political philosopher Michael J Sandel's words are especially relevant: 'We cannot actually put a monetary value on human life ... to do so is to treat lives as commodities rather than as beings worthy of respect and dignity.' As healthcare costs continue to rise under the guise of economic necessity, we must first recognise this as an expression of biopower, where systemic policies and economic forces end up shaping who gets to live well and who is left behind. Observing the healthcare systems via the lens of biopower offers two major benefits: First, biopower reveals that healthcare is never neutral; it is shaped by policies that can reflect political agenda. Next, acknowledging this fosters crucial discussions surrounding healthcare injustices, and reinforces healthcare as a fundamental human right for all. Recent developments, including stakeholder engagements and public hearings by the Public Accounts Committee, mark a crucial step forward in fostering inclusive polylogue on healthcare costs. These discussions facilitate a comprehensive review of hospital charges and insurance premiums. Bank Negara Malaysia's decision to impose a 10pc cap on insurance premium hikes reflects an institutional willingness to balance economic considerations with public welfare. While efforts are made to evaluate inefficiencies and unjustified pricing distortions, the rakyat must exercise democracy themselves by actively participating in town halls and public hearings. This collective effort helps to hold leaders and policymakers accountable, serving as a counterbalance to the structural power that shapes healthcare outcomes in society. The Malaysian Philosophy Society urges the government to prioritise healthcare budget allocations to bring transformative changes to the public healthcare system. The long-held notion of national pride in a 'low cost and efficient' public healthcare model is no longer sustainable, as the widening cracks in the system make evident. To meet the growing healthcare needs of the population, proactive investments and systemic reforms are imperative. Apart from that, we echo the call for transparent pricing methodologies and ethical costing models used in healthcare to curb the exponential rate of medical inflation due to predatory practices. Ignoring these realities risks abandoning more lives from both fronts of healthcare sectors and recreating our very own Mangione in Malaysia. Lee Ke Yin is a content curator at the Malaysian Philosophy Society and a student at University Malaya. Dr Tee Chen Giap is a medical doctor and co-founder of the Malaysian Philosophy Society. The views expressed here are the views of the writer and do not necessarily reflect those of the Daily Express. If you have something to share, write to us at: [email protected]

B40 Malaysians badly need basic health insurance plan
B40 Malaysians badly need basic health insurance plan

Daily Express

time11 hours ago

  • Daily Express

B40 Malaysians badly need basic health insurance plan

Published on: Sunday, July 06, 2025 Published on: Sun, Jul 06, 2025 By: Tan Sri Lee Lam Thye Text Size: A Basic Health Insurance Plan is not just a policy – it is an investment in the well-being and resilience of our nation. THE Alliance for a Safe Community fully supports the government's move to explore the introduction of a Basic Health Insurance Plan for all Malaysians. This is a long-overdue and much-needed initiative to ensure accessible, equitable, and affordable healthcare coverage, particularly for the B40 and vulnerable groups who remain underserved by the current health financing system. Advertisement In recent years, the cost of healthcare has continued to rise, making it increasingly difficult for low-income families to afford treatment for chronic illnesses, emergency care and preventive health services. A Basic Health Insurance Plan will provide much-needed financial protection for Malaysians, reduce out-of-pocket expenses, and prevent families from falling into poverty due to medical costs. We believe such a plan will also complement and strengthen our existing public healthcare system by promoting shared responsibility between the government and citizens, ensuring sustainable funding for healthcare, while enhancing access to quality care for all. However, the success of this initiative will depend heavily on transparency, inclusivity, and effective implementation. We urge the government to consider the following in designing the plan: Affordability and Accessibility – Premiums must be affordable, especially for the lower-income group. No one should be excluded due to financial constraints. Comprehensive Basic Coverage – The plan should include outpatient care, emergency treatment, preventive screenings, and chronic disease management. Simplicity and Clarity – The scheme must be easy to understand and navigate, avoiding unnecessary bureaucracy that may discourage enrolment. Government Subsidies for the Needy – There should be full or partial subsidies for those who are unemployed, elderly, disabled, or in the B40 category. Strong Regulatory Oversight – A robust monitoring mechanism is needed to ensure accountability, prevent abuse, and uphold the quality of care delivered under the scheme. Public engagement and education will also be vital to ensure that the population understands the purpose and benefits of the plan, and to build trust in its administration. We commend the government for this important step and look forward to a comprehensive plan that prioritises the health, dignity, and financial security of all Malaysians. A Basic Health Insurance Plan is not just a policy – it is an investment in the well-being and resilience of our nation. The views expressed here are the views of the writer and do not necessarily reflect those of the Daily Express. If you have something to share, write to us at: [email protected]

DOWNLOAD THE APP

Get Started Now: Download the App

Ready to dive into a world of global content with local flavor? Download Daily8 app today from your preferred app store and start exploring.
app-storeplay-store