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Inflation in healthcare is obviously unsustainable. The reality is that private medical care is a business where operators of clinics and hospitals are responsible to their shareholders in terms of profits and dividends. Private hospitals are also operated by a few major players, resulting in imperfect competition. In view of the escalating costs of medical services, it is hardly surprising that insurers of Integrated Shield Plans have been actively reviewing cost containment initiatives, as claims from private hospitals have spiralled at a faster rate than anticipated. With private healthcare costs rising at more than 20% annually, the govt needs to step in.

PAP should control or limit the rise of insurance premium.
The insurance companies should make losses if they continue to have generous insurance plans.

The healthcare insurance system should be the insurance companies making losses if they have generous insurance plan.
Now, the insurance companies are making money even if they have generous insurance plan.
Something is wrong with PAP system.