八点最热报 | 医疗保费暴涨，问题出在哪里呢？是政府、保险公司，还是私立医院呢？医疗保费真的是非涨不可吗？在生活成本高企、医疗保费又不断喊涨的情况下，穷人就真的“只能死不能病”吗？（主播：庄文杰）
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00:00Before watching the video, let me remind you that there is more content on the Hotpoint website.
00:03The increase in medical insurance fees is the focus of these days.
00:07According to the notice issued by the insurance company,
00:10medical insurance fees are expected to increase by 40% to 70% significantly next year.
00:14The main reason is that private hospitals have increased charges.
00:18For this matter, the National Bank of China once said that
00:20the insurance company adjusted the insurance fees without permission.
00:25Where is the problem with the increase in medical insurance fees?
00:27Is it the government? Is it the insurance company? Or is it the private hospital?
00:31Is the increase in medical insurance fees really unavoidable?
00:34Under the high cost of living and the constant increase in medical insurance fees,
00:38can the poor really only die and not get sick?
00:42The Senior Researcher of the Consumer Association of Beijing,
00:44Margaret Wally, said in an interview with the 8 o'clock newspaper.
00:47According to the report of the National Bank of China,
00:49the inflation rate of medical expenses reached 12.6% in 2023.
00:53Compared with the global average level of 5.6%,
00:56it is a whole double.
00:58Therefore, she believes that the government must first find the root of the problem,
01:02and examine why the medical inflation rate in Malaysia is higher than in other countries,
01:06in order to fundamentally solve the problem.
01:09Instead of focusing on whether medical insurance fees can increase,
01:12whether the increase is big or small.
01:15As for why the medical inflation rate in Malaysia is so high,
01:17the chairman of the Damascus Hospital Association,
01:19gave two main reasons when he was interviewed by the 8 o'clock newspaper.
01:23He said,
01:36The second reason is that
01:37the Damascus medical field is adopting some very expensive advanced medical technologies.
01:42And most of these technologies come from overseas.
01:45Due to the fact that the exchange rate of other countries was not ideal before,
01:47the imported foreign technology became more expensive.
01:50Boguchi emphasized that advanced medical technology is of paramount importance.
01:55But because the cost of these technologies is very high,
01:57therefore, the higher the water price,
01:59the higher the medical expenses,
02:00which is unavoidable.
02:02He said that the general public has a stereotype,
02:05that private hospitals are seeking violence.
02:07But in fact, after deducting taxes,
02:10the average profit of private hospitals is only 10%.
02:13And Magellani said,
02:15Once the medical insurance costs soar as expected,
02:18there may be a wave of medical insurance qibao.
02:22This is because young people have insufficient savings,
02:24and retired people have no income,
02:26so they can't afford such a high cost.
02:28And the only way is to reduce the coverage of medical insurance.
02:33Otherwise, they can only terminate the insurance.
02:45The medical insurance costs soared,
02:47and those who can't afford it can only go to government hospitals for treatment.
02:50Magellani, a senior researcher at the Consumers Association of Penang,
02:53said in an interview with 8 o'clock,
02:55Once the medical insurance costs soar,
02:57there may be a wave of medical insurance qibao,
02:59or a reduction in the coverage of insurance.
03:01In this way, when people are sick,
03:03they can only go to government hospitals for treatment.
03:05Magellani said,
03:07Once the medical insurance costs soar,
03:09there may be a wave of medical insurance.
03:11In this way, when people are sick,
03:13they can only go to government hospitals for treatment.
03:15In this way, when people are sick,
03:17they can only go to government hospitals for treatment.
03:19As a result, the public health system is severely overloaded.
03:21There are a lot of people going for public health care services,
03:23and so this means that the government also has to allocate more budget for the health care sector.
03:28And we are finding that the budget is not enough for the public health care sector.
03:32So this is definitely a strain to the public health care services.
03:35The medical insurance costs soared,
03:37and insurance companies have pointed their fingers at private hospitals for too high services.
03:41To this end, the Chairman of the Damasli Hospital Association,
03:43Gu Jixin, explained in an interview.
03:45In order to provide better medical services,
03:47hospitals must adopt more advanced medical technology.
03:49As a result, costs have soared,
03:51and medical expenses have naturally become more expensive.
03:53And private hospitals can no longer reduce their costs,
03:56otherwise they will incur additional costs.
03:58Realistically speaking, private hospitals only make a profit of about 10% after tax,
04:03at the average.
04:04Now, if they want that 10% to be even made lower,
04:07then it's probably not worthwhile for any of the prior hospitals to continue their business.
04:12And if you don't have that kind of understanding,
04:14then we'll always get very wrong kind of messages sent to the people,
04:19thinking that everybody is trying to make a big profit.
04:21Gu Jixin said that the increase in medical insurance costs
04:23may cause the public health care sector to lose out.
04:26Gu Jixin said that private hospitals did not collect any fees from the government,
04:30and they are not charity organizations,
04:32so they can only help a limited number of people.
04:34At this stage, the government should find a way
04:36to make it easier for people to receive treatment under the public health care system,
04:39or to consider working with private hospitals on a certain level.
04:43It is very difficult to channel this to private to help,
04:47because if we want to keep helping and trying to assist,
04:51we can only do so much.
04:52We cannot really bring down our costs or go back to our shareholders
04:56and say that this time we're not going to give any profits.
04:58Then the private hospital will not exist anymore.
05:01So I only suggest that the private hospitals are willing to work with the government,
05:06doing public-private partnership,
05:08to look after some of these patients where the government can pay a fixed rate
05:12or an agreed rate like they're already doing now,
05:14maybe make it better.
05:19The Health Insurance Company said that the cause of the problem
05:23was that private hospitals' costs were too high.
05:25But the private hospital said that the cost of medical care was rising,
05:29and they could not lower the cost.
05:30So in the end, who is right and who is wrong?
05:33There is no answer.
05:34Margarete Wally, a senior researcher at the British Consumer Association,
05:37believes that the government should gather all stakeholders
05:40to find the root of the problem together at the negotiating table,
05:43and even consult patients, non-governmental organizations,
05:45and the opinion of the Malaysian Medical Council,
05:47and then set up a framework to solve the problem.
05:50And the chairman of the Damascus Hospital Association,
05:52Mr. Gujiexin, also said that the authorities are willing to work with the National Bank
05:55and the Ministry of Health to find a sustainable solution
05:59to bring a win-win situation to every beneficiary.
06:02He said that not everyone can think that the best solution
06:06is to lower the cost of medical care,
06:08but that we should be aware that
06:10Malaysia needs to use advanced technology to treat patients,
06:14and cannot go back to the way it was 10 years ago.