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adverse selection altruism ASEAN behaviour budget catastrophic health insurance Central Provident Fund Class C wards commodity concern consumer cost centred cost controls countries CPF members demand for health doctors DRGs effective efficiency elasticity of health elderly population employers expenditure on health expenses GDP deflators government expenditure government health expenditure government's growing affluence health economics Health Financing health policy health services health spending Hospital Straits hospitalisation increase individuals insurance company insurance scheme ISSUES IN SINGAPORE jointly organised Kandang Kerbau Hospital marginal cost market failure medical services Medisave account Medisave funds Medisave scheme Ministry of Health moral hazard national health insurance National University Notes & source OECD patients private consumption expenditure private hospitals privatisation relationship restructured government hospitals restructured hospitals rising Singaporeans social subsidy supplier induced demand Table 1 TABLE Temasek Holdings total health expenditure trend University of Singapore utility function welfare World Bank