Survey: Do you agree with this idea? Give your views here. Singaporeans, especially, the elderly, are worried about the cost of health-care. The government is also worried and tries to push the cost to the public. In most cases, the actual cost may be affordable, but the perception is that the cost is getting out of hand. To address this issue, we have created a convoluted system of different tiers of charges for different groups of people and a convoluted system of payment through the Medisave, Medishield and Medifund (labelled as the 3Ms). The Government is proud of the 3Ms but there is little enthusiasm for this approach outside Singapore (and, in case I am wrong, I stand corrected). The system used in the British National Health System is better. The citizens receive free medical consultation with their personal doctor (and referrals to specialists made by these personal doctors) but ......