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RE: Wow you guys actually

Posted by RGA (R) on January 4, 2022 at 23:12:29

In Reply to: RE: Wow you guys actually posted by RV817 on January 4, 2022 at 18:58:05:

To be honest - it all seems soooooo overly complicated to me.

If you are unconscious how the heck can you make a real-time decision as to what doctor. I hear stories of people who get hurt and scream to everyone not to call an ambulance because they're not covered - the ambulance bill is $25,000 or some insane amount. Not because of the ambulance directly but because the hospital has to go into some crash condition or whatever they call it and that is the expensive part.

I kind of like stress-free living and not worrying that I won't be covered for this or that or if I go to the hospital for X then my rate will go up or now because it's an existing condition maybe next time they won't cover it. And maybe you can sue them but they'll drag it out long enough for you to die - then you can't sue.

All the bloody paperwork, and time wasted on this stuff seems so bonkers to me, an outsider.

I went to a hospital here - handed over my Hong Kong ID card - scanned - get triaged - 10 days in the hospital - saw 11 doctors - two operations under anesthetic - all the drugs, bandages, food, rehab for months. My bill was $350 USD - I have zero insurance.

Doctors aren't wasting time on the phone to Aetna or Manu-life or whatever asking permission to do an operation or sending me to a different hospital.

I understand people want to make money and all that but it seems to me that the Insurance industry in this case offers absolutely ZERO value-added services to you the customer. Their existence is perplexing - they take your money and will be 100% putting all their effort into not providing you with the service when it is needed. If they do, it eats into their profit margin. They don't make hospitals run better and they stop people from seeing their doctors because folks are afraid of the bills.

Plus it seems to cost more. If I make $80,000 and they tax me an extra 2% for universal medical that is $1600 a year in taxes for fully covered complete service. What does an HMO charge per year down there?

The 2% figure I chose as that is what the Australian government uses for their total and free healthcare - it is stated on their tax returns. https://www.servicesaustralia.gov.au/medicare-and-tax?context=60092

Some countries just seem so darn bureaucracy-driven and so SOOOO much paperwork.

Just doing a tax return in Canada is some sort of nightmare now - read the huge booklet on how to fill out the tax return! Or worse you have to hire someone because if you can do it yourself it will take 3 hours and I could not be bothered.

When I came to Hong Kong and the tax return was 2 double-sided pages (4 pages in all) and 2 didn't apply to me - I was turning it around and looking in the envelope to see if I missed some pages.

Holy simple tax return Batman. Literally takes about 8 minutes to do - and 4 of those minutes are spent thinking you must have missed something because you only filled in 4-5 lines. LOL.

China copies every damn thing from us but perhaps we should consider copying some of their stuff. Make life simpler.

Tax Returns

• https://blog.startupr.hk/hong-kong-tax-return/   (Open in New Window)

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