Usage of CPF Medisave in Malaysia Hospitals and Medical Centers

Less than 1 year since our initial posting, the Singapore Government acted fast and in Feb 2010, the Ministry of Health (MOH) declared officially that Singaporeans will be able to use CPF Medisave for payment in 12 hospitals/medical centers in Malaysia starting 1st March 2010. The nearest of these 12 hospitals/medical centers to Singapore is the Regency Specialist Hospital located in Johor Bahru (Regency is just an hour’s drive from Singapore or just 25 minutes away from the Johor Bahru CIQ).

With the medical bills in Malaysian hospitals expected to be some 20%-35% cheaper compared to Singapore hospitals, this is good news for Singapore citizens who now have an alternative in managing escalating health care costs. To top it up, these 12 hospitals and medical centers in Malaysia are actually owned by 2 health care group in Singapore: Health Management International (HMI) and Parkway Holdings. Expect a certain standard of medical health-care and facilities to be provided.

For example, Regency’s patient care facilities and medical equipment are comparable to Singapore hospitals. It has the latest state of the art medical and diagnostic equipment including a 64 multi-slice Computerized Tomographic (“CT”) Scanner and 1.5 Tesla Magnetic Resonance Imager (“MRI”) from General Electric (“GE”). In addition, its new Cardiac Catheterization Laboratory (“Cath Lab”) adds to the comprehensive range of cardiac care treatments for those experiencing acute coronary symptoms in need of cardiac catheterization, angioplasty, stent, balloon or pacemaker implantation.

The listing below shows the 12 medical centers and hospitals currently approved by the Ministry of Health for usage of CPF Medisave.

HEALTH MANAGEMENT INTERNATIONAL (HMI)

Referral centre: Balestier Clinic and Health Screening Centre (221 Balestier Road, #03-04 ROCCA Balestier)

Referred to:

1. Regency Specialist Hospital (Johor Baru)

2. Mahkota Medical Centre (Malacca)

PARKWAY HOLDINGS

Referral centre: East Shore Hospital (321 Joo Chiat Place)

Referred to:

1. Gleneagles Intan Medical Centre (Kuala Lumpur)

2. Pantai Hospital Kuala Lumpur

3. Pantai Hospital Cheras

4. Pantai Hospital Ampang

5. Pantai Hospital Klang

6. Pantai Hospital Ipoh

7. Pantai Hospital Ayer Keroh

8. Pantai-Hospital Penang

9. Pantai-Hospital Batu Pahat

10. Pantai-Hospital Sungai Petani

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A Guide to the Good Hospitals in Algiers, Algeria

Algeria is an exciting destination that is full of interesting architecture, a lot of history and some stunning landscapes. Some of the best cities in the country are located along the Mediterranean coastline. When vacationing in Algeria you can enjoy proximity to deep blue waters while simultaneously getting a feel for the desert. It is the second largest country in Africa and a large portion of its territory is covered by the Sahara. Algiers is undoubtedly the most popular destination in the country. It is also the largest city and the capital of the country. The city has a wonderful harbor and lots of things to keep you busy like interesting museums and historical buildings. Another important city, Constantine, is well linked to all urban centers including Algiers. The city has a deep ravine running through it which gives a dramatic effect and creates many naturally beautiful sites. The city of Ouargla in southern Algeria is famous for its museums, Saharan handicrafts and the Kharji sect. Getting medical assistance in Algeria should be fairly easy, but it is important to keep in mind that most of the people are not well versed in English.

In case of an emergency situation one can rely on the services of the Al Azhar clinic, located to the west of Algiers. It is an ISO 9001-2000 accredited, private hospital approved by the Ministry of Health of Algeria. The hospital has a medical practitioner available round the clock to take care of all types of emergency situations. The hospital address is Djenane Achabou No. 4, Dely-Ibrahim,Algiers.

IBN SINA is a clinic at par with international standards of hospitals worldwide and is staffed by reputed and well qualified doctors. The address for the hospital is Rue Principale – Tamentefoust – La Marsa – Algiers. The hospital is a multispecialty facility, but it is especially well equipped to deal with cardiovascular and orthopedic problems. The hospital has a host of visiting foreign doctors who specialize in these medical areas. The hospital has modern infrastructure and has a capacity of sixty beds.

The hospital Naoufel- Constantine is a highly specialized clinic in Constantine that has adapted to the changing medical requirements of the people and has kept pace with the fast evolving medical technology. The hospital has the latest infrastructure, a comfortable environment and sophisticated diagnostic and surgical know how. The hospital address is Cite Belhadj Ain El Bey,Constantine, Algeria. You can expect to get good care for general as well as complicated medical problems at this hospital.

To get high quality medical care in the city of Ouragla, one should visit the Clinique Ediya situated at the Avenue of the Republic, NLA. This multidisciplinary clinic is a well equipped, modern clinic that has the latest medical technology and good doctors. The hospital has high tech equipment, medical imaging services, a laboratory and surgical facilities.

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Hospital Cost Amongst the Insured Vs Uninsured

Most people assume that if they have to go to the hospital that it will be a costly experience. While this thought process has some merit, it becomes a bit more complicated when you consider the disparity in hospital cost amongst insured vs. uninsured.

Hospitals charge the highest fees to those who are uninsured. Fees can range from 2 times to 5 times more than those fees charged to individuals who are insured. In fact, those who are insured or those who are on Medicare typically receive discounted medical services. There are instances where hospitals provide "self pay" discounts. However, many times these discounts mean little or nothing when you consider the initial rate that a "self pay" individual is charged. When a person has insurance, the insurance companies will often negotiate bills for the insured (if the charged price seems excessive). That being the case, hospitals will typically charge a reasonable price (initially) for those who are insured. On the other hand, if you are not insured, you must negotiate the payment yourself. Unfortunately, most people do not have any education or experience in negotiating a medical bill. Think about it … how successful do you think a person would be negotiating a purchase of a new car if they had no one to refer to except the entity selling the car? Though my point is driven home by this analogy, it's truly unfair … there are many more people to turn to who have purchased automobiles than individuals who are versed in negotiating hospital bills.

In a 2005 60 minute expose, Dan rather reported on Carlos and Peggy Ferlini. The family did not make enough to purchase a health insurance plan (or chose to budget other things as a priority). Carlos installed and repaired gutters for a living. Unfortunately, during the line of work, Carlos fell off of a roof and was rushed to the hospital. Mr. Ferlini suffered from a fractured skull and ribs and punctured one lung. Mr. Ferlini spent more than 2 weeks in the hospital before he was sent home. Soon after, the Ferlini's received a bill for $ 246,000! Imagine a family, who has decided that their monthly budget could not withstand the cost of health insurance, receiving a bill for $ 246,000! The family contacted Forbes (a community activist) who stated that the charges could be equated to "price gouging". Also, that "what happened to the ferlini's is all to common".

Forbes and staff analyzed the Ferlini's bill based on info that American hospitals are required to submit to the federal government each year. The result of the findings were that "while the hospital was charging the Ferlini's almost a quarter of a million dollars, it would accept just under $ 50,000 as full payment from an insurance company for the same treatment." Shameful!

There is a popular misconception by many who choose to utilize county hospitals due to their lack of health insurance. Many individuals believe that they can simply go to the county hospital, get treated and "walk" on the bill. Actually, county hospitals have been known to sue individuals who have not paid. The result of losing a lawsuit could lead to court ordered payments, liens being placed on an individuals home and / or garnished wages.

Finally, there is a disparity of treatment between the uninsured vs. the insured. Treatment begins with what the uninsured is charged by no means is limited to that. The Obama health reform requires all United States citizens to have health insurance by 2014 or be penalized. Hopefully, this will help. However, if hospitals have been charging higher rates to the uninsured for years, then you can't help but assume that they have profited due to the higher charges (either by actual profit intake or the ability to write off losses of those who never pay ). That begs the question … "where will they make up the difference?" The healthcare plight and debate continues to evolve. Stay tuned and stay informed! Go to http://www.texaslowcosthealthinsurance.com for the latest healthcare info.

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Excellent Hospitals in Athens, Greece

Greece has hospitals that belong to both the private and the public sector. Athens also has a balance mix of both private and public hospitals that are well equipped to cater to any kind of medical issues. The public hospitals in Greece are managed and controlled by The National Health Service.

The Diagnostic and Therapeutic Centre of Athens, Hygeia has been functional since 1970.It is a private hospital founded by eminent Greek physicians to provide world class and modern care to its patients. The Hygeia Diagnostic and Therapeutic Center provides health and medical services throughout Greece and in some other countries too. There are 22 surgery clinics, 11 pathology clinics, 6 diagnostics centers, 8 rehabilitation centers and10 hospitals abroad.The hospital as an Organ Transplant Unit and an ICU that is equipped to deal with all kind of medical problems. The hospital also has ambulance services and their ICU is equipped with the requisite support and diagnostic facilities to ensure proper treatment to its patients. The hospital has the facility for Bone Marrow Transplant (BMT) to help fight blood diseases. It was the first hospital in Greece to introduce the concept of one day surgery.

Kyanous Stavros is a privately owned hospital and diagnostic centre. The centrally located hospital was set up in the year 1963 and is one of the finest hospitals in Athens. The hospital has the latest technology and is in the process of continually modernizing its operations and departments. It is a multidisciplinary hospital that has 24 hours emergency room that caters to the requirements of foreigners and tourists. There are ambulances services available that are equipped to provide safe and quick transportation throughout Greece if required. The hospital has a range of accommodation facilities to suit the requirements and pockets of a variety of patients. The hospital accepts the majority of insurance companies whether private or public. The hospital provides treatment to all the citizens who might approach it regardless of the fact whether they have insurance or not.

One of the prominent hospitals in Athens is the General Hospital of Attica KAT. The hospital with its modern medical and technological equipment and a well trained staff is a reliable health care centre. The hospital address is 2 Nikis street in Kifissia and it is easily accessible through the Electric Railway or the Underground Metro. The hospital has a pathology division, an orthopedics department that caters to all kinds of orthopedic problems, a general surgery division and also specialized surgeries department.

IASO General is a hospital with state of art facilities and services. The hospital has an ICU that is world class and is known to be amongst the best in the country. It has a Coronary Care Unit and was the first in the country to have a dedicated unit for diagnosis and treatment of heart ailments. IASO General is also equipped with an up-to-date accident and emergency department. There are 10 highly sophisticated surgical units and an angina pectoris unit in the hospital. It also has internal medicine, surgery and diagnostic divisions. The surgeries department has facilities for thoracic, plastic, cardiac, orthopedic and general surgeries. The address for the hospital is 264 Mesogeion Ave. 155 62 Holargos and the contact no is 210 650 2000.

Helena Venizelou founded Marika Eliadi Maternity Hospital in 1926. At that time there was an acute shortage for good hospitals and trained staff for maternal care in the city. The hospital was set up with an aim to provide advanced natal care not only to entire Athens but to the entire country. Now the hospital provides specialized maternity care and also other services that cover secondary and tertian health requirements. The hospital also has an internal medicine department, endocrinology department, cardiology department and a hepato-gastroenterology unit.

If you need medical help, the next time you are in Athens. Take a look at these facilities.

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Hospital 3 Day Diet – Birmingham Hospital Diet Review

The Hospital 3 Day Diet, which is also known as the Birmingham Hospital Diet, has become popular due to claims that the diet was created as a means of enabling patients intended for surgery to lose up to 10 lbs in weight over a period of three days. Other sources attribute the origin of this diet plan to the University of Alabama.

It should be noted that these institutions do not make that claim and do not accept any responsibility towards those who follow the diet.

Notwithstanding the uncertainty of its origins, there is little doubt that this simple diet plan has become widespread and that many people have used it, often coming across the weight loss strategy under one of its many names. Apart from the Hospital 3 Day Diet, it is also known as Alabama 3 Day Diet, 3 day Tuna Diet, Tuna Fish Diet, 3 Day Cardiac Diet, and others.

The content of these weight loss diet plans is very similar and will here be treated as essentially the same.

A key element of the Hospital 3 Day Diet is that it contains a low daily calorie level of about 1,000 calories with specified ingredients to provide the protein, carbohydrates, fat (very little) and other nutrients that we need to survive. For a full description of the menu plan, do a quick search for my article “3 Day Tuna Fish Diet – Menu and Diet Plan”.

In brief, the plan outlines the foods to be included for breakfast, lunch and dinner over a three day period.

There are many reports of weight reduction from those who have followed the diet. The amount of claimed weight lost during that time varies, as might be expected with so many differing metabolisms and food requirements being involved. However, a minimum weight reduction of at least 2.5 lbs does seem attainable and likely.

Much of the weight loss from a diet of such a short duration probably comes from water loss. As well, with a calorie count of about 1,000 this would be well below normal requirements for most adults, so energy expended would also account for some of the loss.

However, whilst not a ‘starvation diet’, the Birmingham Hospital Diet is likely to generate user problems if continued beyond the recommended 3 days. For instance, it is normal for our bodies to make adjustments when a food shortage is detected. This is a survival mechanism which protects us when little food is available, as in times of famine. The body slows metabolism and conserves fat stores to enable us to survive longer with less food. This actually makes it harder to lose weight, we have less energy and tire more easily. Not a satisfactory long term condition!

Although there may be some short-term loss advantage, the feelings of hunger experienced by the end of the diet encourage extra food intake after the diet has been completed. A better alternative is a program that does not produce a craving for food, does not cause the body to slow its activities, and takes into account nutritional requirements so that changes in eating habits would allow fat loss to happen over a longer period and be lasting.

Rather than following a simple, low calorie diet plan, losing weight over an extended period allows other tactics to be employed in the plan, such as ‘calorie shifting’, placing greater emphasis on fat loss and adequate nutrition. This is more likely in the long run to provide health benefits and sustainable weight loss.

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Tips to Choose the Best Hospitals for Cancer Treatment

If you or your loved one has got cancer, make sure you get the best medical treatment. What you need to do is choose a good cancer treatment hospital. Given below are some tips to help you make the choice without any problem. Read on.

About Quality Cancer Care

First of all, you should seek advice from the doctor who first diagnosed you with cancer. The doctor may refer you to a good specialist. Ideally, it’s a good idea to ask for a few reputable doctors or hospitals. However, you may want to keep in mind that you should choose a hospital where specialist offer their services for cancer patients. The quality of service is the first thing that you should consider when choosing a hospital.

Choosing the Doctor

  • Before start your search for a good doctor, make sure you know the quality a good doctor must have. Given below is what you should keep in mind:
  • You should go for a doctor with experience in treating patients with the type of cancer you have. According to studies, the treatment success rate will be higher if you choose a specialist.
  • You may want to choose a doctor who provides his services in the hospital you chose.
  • Lastly, you may want to opt for a doctor who you feel comfortable with. Apart from this, the language, education, gender and ethnicity of the doctor is also important.
  • It’s a great idea to hire a doctor who you already know or who your family member or friend is recommended.

Choosing a Good Hospital for Cancer Treatment

You should talk to your doctors and ask for their recommendations when choosing a good hospital. Make sure you look for a cancer treatment center that can treat the type of cancer you have. For instance, big hospitals have more experience treating almost all types of cancers. So, the chances of the treatment success will be higher at these hospitals.

Bigger Hospitals

When is it absolutely necessary for you to choose a large hospital? If you have a rare type of cancer, we suggest that you choose a large hospital. As a matter of fact, bigger hospitals have more experienced doctors and the best equipment to treat even the rare types of cancers. Therefore, it’s a good idea to choose a large hospital for your cancer treatment.

The great thing about these hospitals is that they offer a host of services in addition to the basic services offered at any cancer treatment hospital. Moreover, they may charge you a bit less relatively as far as the cost of treatment is concerned.

So, if you have been looking for the best cancer treatment hospital, we suggest that follow the tips given in this article. You need to keep in mind that cancer is on the list of the most dangerous diseases. Therefore, you may not want to be negligent and should choose a treatment center after a lot of careful thinking. Hope this helps.

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Hospital Gift Ideas for Sick Friends and Relatives

When you have a sick friend or relative that has to spend some time in hospital, you would do just about anything to make him or her feel better. And you are perfectly right to do so – when a person is happy and optimistic, he or she will recover much faster. If you buy a small item for a sick friend or relative who is in hospital, you need to make sure that the gift is funny, entertaining or… delicious. There are two categories of gifts you can get for people in hospital: edible or non-edible.

Hospital food is horrible – your sick friends or relatives in hospital will appreciate a delicious treat. Whether it’s fruits, sweets or something else, you will make to the sick person a great surprise. However, you have to check first if your friend or relative is allowed to have such snacks or he or she has to follow a special diet. Before buying foods for sick people check with the family what type of foods you should get. You don’t have to be the one who takes chocolate to a sick person and he or she can’t eat it.

Spending entire days on a hospital bed is really boring for the sick person. A suitable gift for a friend or a relative who is in hospital would be something that makes time go faster: a book of his or her favorite author, some magazines, an MP3 or MP4 player to listen to the music. Comic books are also a great gift idea for sick persons having to spend time in hospital – superheroes adventures certainly help everyone to forget they have to stay in hospital for days. You can also buy some games that can be played by a single person, like Sudoku or crossword puzzle. Buying a laptop for a sick friend or relative might be a little too expensive, but you can lend them your laptop for the entire hospitalization period. Make sure you have a lot of computer games and movies on your laptop.

Flowers, balloons and cards are perfect to cheer a sick person in hospital. Such a gift will make the room prettier and friendlier. Your sick friend or relative will enjoy the beauty of the flowers and the encouraging “Get well soon” message from your card. Funny gifts are another option for the moments when you have to visit your sick friends or relatives in hospital. Think about something that it will make them laugh: a T-shirt with a funny message printed on, amusing stickers for the bandages or some comic toys.

If you have to visit a child who is in the hospital, you can make him or her really happy with the right toy, whether it’s a doll, a car, Lego game or something else. To help a child to deal with that stressful situation, you can buy him or her a toy doctor play set. Surely the child will cooperate better with the doctors if he or she has a set of instruments that are just like the ones that doctors are using. And remember, the best gift you can make for your sick friends and relatives are moral support and attention.

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Some Laws To Protect Your Automobile

People tend to face numerous issues with respect to their automobiles. Some of the most common problems that people face are –

• Buying a defective car and getting refused a refund, fixing and replacement by the manufacturer.

• After completing a final loan contract, you are asked to sign a new contract with higher down payment.

• You are trapped with deceptive advertisements and you have been sold a more expensive car.

• Dealer conceals optional add-ons and undervalues the trade-in during fixing of the deals.

• Your car is repossessed without your consent by the creditor.

Know Your Rights

There are different laws that save the consumers from auto fraud. Here is a list of various laws and their scheme of protection.

Magnuson-Moss Warranty Act

This law is utilised when a contractor, warrantor or supplier denies complying with a service contract, written warranty or implied warranty.

State Repossession Laws

These laws state that –

• Your car cannot be removed from a locked garage by the car repossession company without your consent.

• You can put your car up in auction or you can pay the full money in order to buy back the car.

• On paying repossession costs or reinstating your loan, you can get your car back in some states.

• Your car must not be sold below market value.

• You should be informed whether the creditor will put the car up for auction or not.

State Lemon Laws

Those cars are dealt by lemon laws that have been repaired many times for the same defect. Different states have different lemon laws.

• Your car should be replaced or refunded by the manufacturer for a substantial defect after four tries.

• Your car should be refunded or replaced for a safety defect after two tries.

Truth in Lending Act (TILA)

According to TILA, interest rates and other information regarding the loan should be disclosed by the lenders before processing a loan. You can get the best auto financing rate with the help of TILA.

Unfair, Deceptive, or Abusive Acts or Practices (UDAP)

You are protected by UDAP from deceptive, unfair and false acts including the false advertisements.

Contacting an Attorney

You should know about the following, if you want to contact an attorney.

Repair Record

Keep record of the timing of the car when it is out for service and keep track of the repair attempts. Every time you repair the car, do not forget to submit a dated and written list of problems to your dealer.

Notice Required

Before entitling to a replacement or refund, you must go through the notice requirement of your state.

Your Refund or Replacement

Ask the manufacturer for a replacement or refund only after confirming that your car is qualified as a lemon. You may have to go through arbitration if a valid arbitration program is incorporated into your written warranty, in order to get your replacement or refund.

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Automobile Business Plan – Four Steps to Success

Like other business plans, the contents of an automobile dealership business plan cover four primary steps towards success. These steps are “opportunity”, “capacity”, “activities”, and “results”.

Opportunity

The industry, customer, and competitive analysis in your business plan proves the opportunity. This should identify that customers in your local market are in need of a dealer of the type you’ve chosen to be because competitors are not fully serving their needs, or because their demographics are changing (more population, richer, poorer, more families, etc.) The opportunity could also be that a certain combination of services by your dealership could improve on what competitors are currently doing. The overall industry situation should look ahead to how the car sales market will be doing six months, one year, or more in the future, when the dealership will actually be open.

Capacity

The experience of the management team, your license as a car dealer, and the financial resources the partners can bring to the table cover the capacity of the entrepreneur to jump on this opportunity. Funders reading the business plan expect that there will also be an element of cash missing from the entrepreneur’s capacity at the moment. Otherwise, they would not be reading the plan in the first place.

Activities

Marketing and operations plans cover the activities the company will engage in to bring in car buyers (and car sellers if you are a used car dealer as well), and run the business as efficiently as possible. As a small car dealer, consider how you can make up for this lack of scale, and the cost savings that come with it for dealer chains, through creativity and hard work.

Results

Finally, the projections of business success and financial section of the plan show the results that you and investors should expect. If results take into account the full costs of the methods you’ve described, and include adequate compensation for staff and key team players, readers will be less likely to question elements on the cost side. If your revenue projections are based on reasonable, researched assumptions about the car buying behavior of your local market, then readers will be more likely to accept this side of the projections as well.

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Automobile Dealerships – Valuing Blue Sky

Blue Sky is the intrinsic value of an automobile dealership, over and above the value of its tangible assets. It is sometimes equated to the goodwill of a car dealership.

Most articles regarding the blue sky value of new car dealerships cite a multiple of earnings formula, such as three times earnings, four times earnings, and so forth. The idea that “blue-sky” can be determined by anything times anything is just plain wrong.

Even NADA the National Automobile Dealers Association in its publication entitled “A Dealer Guide to Valuing an Automobile Dealership, NADA June 1995, Revised July 2000 bemuses, in part, with respect to valuing a dealership by using a multiple of earnings: A Rule of Thumb valuation is more properly referred to as a “greater fool theory.” “It is not valuation theory, however.”

In its Update 2004, NADA omitted its reference to “fool”, but referred to the multiple formula as rarely based upon sound economic or valuation theory, and went on to state: “If you are a seller and the rule of thumb produces a high value, then this is not a matter of great concern. Go for it, and maybe someone will be stupid enough to pay you a very high value.”

A dealership’s blue sky is based upon what a buyer thinks it can produce in net profit. If potential buyers think it cannot produce a profit, the store will not sell. If it can produce a profit, then variables such as desirability of location, the balance the brand will bring to other existing franchises owned, whether or not the factory will require facility upgrades, and so on and so forth, determine whether or not a buyer will buy that particular brand, in that particular location, at that particular time.

I have been consulting with dealers for nearly four decades and have participated in over 1,000 automotive transactions ranging from $100,000 to over $100,000,000 and have never seen the price of a dealership sale determined by any multiple of earnings unless and until all of the above factors have been considered and the buyer then decided he, she or it was willing to spend “x” times what the buyer thought the dealership would earn, in order to purchase the business opportunity.

To think otherwise would be to subscribe to the theories that (1) even though you think a dealership could make a million dollars, the store is worth zero blue sky because it made no money last year; and (2) if a store has been making $5 million per year you should pay say 3 times $5 million as blue sky even though you think you will not produce that kind of profit. Both propositions are absurd. If a buyer does not think a dealership is worth blue sky, then what he is really saying is that he sees no business opportunity in the purchase and therefore, in my opinion, he should not buy the store.

Each dealership is unique with respect to its potential, location, balance that its brand brings a dealer group, and condition of facility. The sale is also unique with respect to whether it is a forced liquidation, orderly liquidation, arms length, insider, or a case where an anxious buyer is trying to induce an unwilling seller. There are management factors to consider, length and term of leases, possibilities or non-possibilities of purchasing the facilities and whether or not the factory wants to relocate the store or to open a new store up the street.

In the car business it is impossible to pick a dealership or a franchise out of a hat, multiply its earnings by some mystical number and predict either what the dealership is worth, or what price it would sell for – and it doesn’t matter if you are talking about a Toyota, Honda, Ford, Chevrolet, Chrysler, Dodge, or any other dealership. At any given time one franchise might be considered more or less desirable than another, but they are all valued in the same manner.

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