By: Patrick Lim This article appeared in today's front page of today: http://www.todayonline.com/pdf_open.asp?id=0501FPW001 By: Stanley Jeremiah The writer is a lawyer and chartered insurer who is immediate past president and council member of the Singapore Insurance Institute. Patrick's Comments: I agree with the crux of the issues raised. one of the critical points highlighted is the total reliance by the majority of employers/employees on the employer provided group H&S benefit scheme. and i quote Stanley: "what is required is a mindset change on the part of both employers and employees. both must focus on the longer term. In the long run, employers cannot continue to increase spending on medical benefits at current levels. it is not sustainable. the only available option has been to cut back on the level of medical benefits, leaving employees more exposed in the case of a serious medical condition." And last but not least, it will be really interesting to see what will be the author's possible solutions to be published in Monday's edition of today. Source: Everything U Need To Know On Insurance