Angry Doctor

Friday, December 17, 2010

A penny for your thoughts? 4

At first, it was a case of overcharging.

Then, when it was pointed out that it's in fact a case of undercharging, it became an issue with inefficiency.

Now, it seems that how much it costs isn't really an issue, as long as the "consumer" doesn't have to pay for it.

angry doc buys medical and travel insurance, and he would rather the insurance company "pay" for the medical report than if he paid out of his own pocket. However, even though angry doc is a doctor and not an ex-CEO of an insurance company, he is not naive enough to think that the medical report becomes "free" to him just because it is "paid for" by his insurance company.

The wonderful thing about insurance companies, like casinos, is that they have a whole bunch of people curnching numbers to make sure that the odds are always in their favour, and that their employers' profit margin is always looked after - if the cost of the medical report is absorbed by the insurance company, angry doc is pretty sure that it will be worked back into the equation, either through higher premiums, and lower payouts, such that the company's bottom-line stays where it is.

So at the end of the day, we still have to pay for what we want or need, regardless of how reluctant we are, and regardless of how little we price (note that I say 'price', not 'value') other people's work.

angry doc is pretty sure Mr Tan knows that; he's just confused as to why he would write as if he didn't.


  • considering that Mr Tan used to be the CEO of NTUC Insurance, I am shocked to see that the views he has about professionals is the same as blue collar workers.

    His English and spelling is also appalling.

    I can understand why during his tenure NTUC Insurance built up a very bad reputation as being a company that would sell you cheap policies but when it came to claiming your money it was very very troublesome.

    By Anonymous Anonymous, At December 18, 2010 9:52 pm  

  • Dear Anonymous,

    Please do not insult blue-collar workers.

    Thank you.

    By Blogger angry doc, At December 19, 2010 10:49 pm  

  • Dear angrydoc,

    Please do not insult your patients.

    Thank you.

    By Anonymous Anonymous, At December 20, 2010 6:29 am  

  • Dear Anon 2,

    Please do not insult doctors who actually are trained well, do their work well, receive little thanks, work overtime to help their patients, and then have to deal with sh** like stupid registration forms, reports, administration and all that crap. I want my doctors to know what they're doing, and do it well, rather than doctors who know how to fill in forms. So I'd rather pay for that b****y form.

    So weird. We'd refuse to pay 80 bucks for a form that would save us 2000 bucks in an insurance claim, or accuse others of wanting to eat our hard-earned money up. But then we're happily spending 100000 bucks on the latest car. And haggling over the 1000 dollar insurance tag.

    Grow up.

    Keep looking after the patients, angrydoc. You're doing a good enough job if you haven't been sued off your ass in this current sue-sue culture.

    By Anonymous Hamster, At December 20, 2010 2:45 pm  

  • Dear Hamster,

    Did I insult doctors? I just asked angrydoc not to insult his patients which he feels he has the right to.

    For the matter I am a doctor myself. So why would I insult myself? I'm not the one who needs growing up.

    By Anonymous Anonymous, At December 20, 2010 3:23 pm  

  • I will insult my patients based on their thinking and behaviour as I see fit; I just didn't think it was right for Anonymous 1 to insult blue-collar workers as a group by comparing them with Mr Tan - not all blue-collar workers begrudge the earnings of professionals.

    By Blogger angry doc, At December 20, 2010 3:36 pm  

  • Dear Anon 2,

    FYI, growing up isn't synonymous with maturity. As you have clearly shown in your mud-slinging comment on growing up, despite your role and education as a doctor.

    As for angry doc's insulting his patients... you haven't shown how he did that in this post, unless you mean to say that you think his views show that he is insulting his patients. If that's the case, I would point out that angry doc didn't have to insult these people - who aren't his patients - at all. They insulted themselves.

    By Anonymous Hamster, At December 21, 2010 9:06 am  

  • I paid for my own medical report and submitted it to the insurance company to get it to remove an exception clause in my policy. To me, the medical report is "small money" compared to the potential loss of insurance coverage.

    I'm amazed that someone with presumably many years of business experience like Mr Tan KL can think that something is "free" just because the end customer doesn't have to pay for it.

    A lot of things can be "free" or "cheap" but ultimately the customer will pay for it somehow. His latest complaint with SP Services illustrates that.

    (Please allow me to vent!)

    He thinks that it is a hassle for him to find out from his electrician what the kVA of his premise is (what, did he try to save money on a licensed electrician too?) It's a simple phonecall job but he expects SP Services to "make things easier for him". Is it easier for each customer to do his groundwork, or for SP Services to do the groundwork for one million customer accounts?

    Sure thing, make things easy for him, just pass the problem to someone else and it no longer exists.

    By Blogger dsowerg, At December 21, 2010 10:18 am  

  • Yes, it's always the "everyone is out to cheat and inconvenience the consumer" mantra with Mr Tan, isn't it?

    Having said that, my friend who recently moved told me how to apply for an account with SP, you need to show your IC with the new address - all well and good except that for the police post to change the address on your IC, you need to show proof of residence... such as a utility bill with your name and that address!

    I think if the utilities market becomes more open and competition comes into play, things will actually get better for the consumer. Look at the kind of service telcos now provide - delivery of new phone to your doorstep with just a click on the computer! I'm not saying it will be cheaper, but certainly when they are out to get your business, your preference will be taken into account.

    By Blogger angry doc, At December 21, 2010 11:20 am  

  • Your friend could have made an online request for a verification letter from ICA (OPAD). ICA will send the letter to the new address and you can use that letter to change the IC address at the police post. I did that recently when I moved and it was hassle-free.

    By Blogger dsowerg, At December 21, 2010 1:10 pm  

  • Hamster,

    Don't know why your third comment didn't show up on this page - it went into my email notification.

    In any case, you took the words right out of my mouth when you said: angry doc didn't have to insult these people - who aren't his patients - at all. They insulted themselves.

    I like.

    By Blogger angry doc, At December 21, 2010 10:31 pm  

  • What? You guys didn't get the memo?

    Have you not heard that doctors are expected to perform their duties pro bono? How could the thought of charging anything even enter their minds? The horror!

    Don't worry about the cost of living here, these trifles will take care of themselves!


    Guinness Doc once had to pay approximately $500 for a plumber to install a water meter (can't remember if that included the cost of the meter). Another time, he had to pay the lawyers about $1000 to alter two (yes, 2) words in a legal document. GDoc still can't believe these people are haggling over a $80 medical report.

    By Blogger Guinness Doc, At December 21, 2010 10:56 pm  

  • I got the memo, GDoc... but I hired a lawyer to add the word "not" to that part where it says I am expected to be this and that...

    By Blogger angry doc, At December 21, 2010 11:43 pm  

  • Did that cost you $1000 too :)


    By Blogger Guinness Doc, At December 22, 2010 11:45 am  

  • AngryDoc,

    As long as someone saw the comment :P

    I wonder what I typed to have gotten it censored...


    By Anonymous Hamster, At December 27, 2010 9:42 am  

  • It's a glitch, I think. Happened to another comment someone posted.

    By Blogger angry doc, At December 27, 2010 9:44 am  

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