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新加坡的医疗成本不断上涨，究竟是什么导致的？_我的网站

一 |     新加坡的医疗成本不断上涨，引发了广泛的社会关注。而背后潜藏的主要问题——健康保险中的“按收费”模式，正逐渐成为国家金融灾难的潜在威胁。    The unexpected postponement of Akhanda 2 on December 5, 2025 sent shock waves across the Telugu film industry. The highly awaited Balakrishna–Boyapati Srinu actioner was expected to arrive with massive hype, but it’s indefinite delay now disturbed the subsequent line up of several other films.                    ‘All investments are fully cleared’     Many producers are assuming that when Akhanda 2 arrives, their films may face stiff competition at the box office. Moreover Akhanda 2 would occupy major theatres, and this is forcing the makers of other films to rethink their release strategies. Reacting to the buzz and reports, The Raja Saab producer TG Vishwa Prasad clarified with an emotional statement. Expressing disappointment, Prasad confessed that halting a film just before release not only affects its filmmakers but also many others who depend on its box-office performance. “It is unfortunate to see movies being stopped before release and the impact it has on the entire ecosystem,” he stated, clarifying about the rumours surrounding the release of The Raja Saab.          ‘Cinema deserves integrity, not interference’     The Raja Saab has been long delayed with several interruptions and shooting only being completed recently. After Akhanda 2 faced an unexpected postponement due to financial issues, speculations rife that the Prabhas-starrer too may meet the same fate. Calling out a last-minute attempt to disturb their film’s plans, Prasad said, “Cinema deserves integrity, not interference. Such actions must be condemned.” He reinforced that all investments on The Raja Saab were fully cleared using internal funds, and the remaining interest would be settled before business opens, ensuring the film faces no hurdles. He described these disruptions as irresponsible and harmful, urging the industry to set strong legal rules to prevent such issues in the future. He also advised affected parties to consider legal action to discourage such behaviour going forward.Also Read: Prabhas Shot in Freezing Temperatures for Songs: The Raja Saab Makers。

二 | 1. “按收费”计划的起源与问题2005年，新加坡健康保险领域的新秀Aviva引入了“按收费”计划，打破了健康保险市场的格局。该计划允许保险公司为医生和医院批准的任何治疗买单，导致医疗成本迅速上涨。这种模式让医生和医院可以选择最昂贵的治疗方案，而患者则因相信“最好的治疗”而积极参与。结果，医疗费用激增，公共医疗支出大幅攀升，最终负担转嫁给了消费者。数据显示，自2009年以来，政府在医疗保健方面的支出已增加了四倍，这种不可持续的增长趋势引发了社会的广泛担忧。来源：clema risk solutions2. 成本上升的背后：谁在为“按收费”买单随着“按收费”计划的普及，私立医院的医疗费用远远超过了公立医院，导致整体医疗成本的大幅上涨。

三 | 研究表明，有“按收费”保险的患者，其医疗支出比没有此类保险的患者高出25%。这一问题引发了政府的关注。李显龙资政呼吁遏制过度治疗和过度开药，以控制医疗成本的攀升。然而，政治意愿的不足使得问题迟迟未得到根本解决。在这一背景下，政府近年来尝试了一些零碎的措施，例如限制医生选择，但这些措施效果有限，未能真正解决成本上升的核心问题。来源：联合早报3. 变革迫在眉睫：如何解决“按收费”问题要解决医疗成本上升的问题，必须从根本上改革“按收费”保险计划。我的建议是，取消在综合盾计划中使用MediSave资金的“按收费”覆盖范围，转而采用更具成本效益的计划。此外，保险计划的可移植性问题也需要得到解决。新加坡精算协会的研究表明，提升保险的可移植性将有助于增强市场竞争，允许新加坡人选择更适合的保险产品。

四 | 总之，取消“按收费”计划和提升保险的可移植性，将是解决新加坡医疗成本问题的关键举措。

五 | 这是一场必须进行的改革，为了全社会的利益，迫切需要采取行动。来源：联合早报面对日益严峻的医疗成本问题，新加坡亟需对现有的健康保险体系进行全面改革。只有通过各方的共同努力，才能为全体居民提供可持续的、负担得起的医疗保障。参考资料：1. Commentary: To contain spiralling healthcare costs in Singapore, we must remove the original sin，channelnewsasia。

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