This essay stresses that the data available is from variety of cultures, governments, systems and people. This data cannot be directly interpolated as uniformly applicable to all countries across the world. To reach a comfortable conclusion, one would need to conduct an extensive survey regarding individual requirements, prevailing ground realities, quality of medicare available, expenditure patterns, resources utilisation, patient and provider satisfaction and overall outcome of promulgating a nationwide policy.
This paper makes a conclusion that the overall aim of cost reduction and control of medical expenses inflation has not been apparently achieved in Singapore. Moral hazard continues through tax benefits enjoyed by some while others losing out due to their financial status. Coupled with loss to the US treasury on these accounts, it seems that MSA may not been have fully achieved all the purposes it was implemented for. It can be safely stated that while the future of MSAs is safe and they are here to stay, a nobler way to help the social cause and one which would provide optimum healthcare facilities to weaker sections of the society needs to be encouraged. Free/low cost medical facilities for poorer sections need to be provided and if this clause can be introduced in present system, it would perhaps serve adequate purpose. Most policies are implemented by certain lobbyists to safeguard their own interests in the long term with an overtly visible social cause.