Insights & Articles

MOF Malaysia and Bank Negara have made it clear: Insurers and Third-Party Administrators (TPAs) do not have the authority to decide clinical treatment. Only doctors can decide treatment. Yet care across Malaysia still gets delayed. Because one document controls the pace of care: GL = Guarantee Letter = pre-authorisation before treatment can start. Impact in Malaysia ...

Singapore’s and Malaysia's population is ageing fast, and many seniors now have more than one health condition. This often means seeing different specialists for diabetes, heart issues, and joint pain — leading to confusion, repeated tests, and caregivers feeling lost. A recent CNA commentary explains that Singapore is exploring a new “principal doctor” model, where one main doctor helps coordinate the care across specialists so patients don’t fall through the cracks. The Rea

By 2030, over 15% of Malaysians will be aged 60+. A recent The Star article, “A new law for the aged”, opened a national debate on whether adult children should be legally required to support elderly parents. Some feel it protects seniors. Others worry it could add stress for families already doing their best. Singapore has faced this for almost 30 years. Since 1995 ..

This is something I hold close to heart. In healthcare, we often walk a fine line between cost management and compassionate care. Budgets, insurance approvals, and efficiency targets have their place — but when numbers start to dictate how we treat people, something essential is lost. A delayed approval. A cheaper substitute. An early discharge. Each may look like a saving on paper, but the hidden cost — in patient safety, trust, and human dignity — is far greater. No spreads

Can a pure value-based healthcare model ever be realized in this generation? I first learned about Value-Based Healthcare (VBHC) during my MBA at UTM. The idea sounded simple — pay doctors and hospitals for keeping people healthy, not just for treating them. But in practice, that’s one of the hardest shifts any health system can make. Singapore’s Healthier SG program is a real-world example of this transformation. Since 2023, the Ministry of Health has started moving its thre

This Newsweek article on “Health Care’s Data-Sharing Dilemmas” nails a truth I see every day. We’ve built amazing technology, but the moment data needs to move between hospitals, clinics, insurers—or worse, across borders—it hits a wall. For many Singaporean and Malaysian families .......