THERE is a familiar pattern in Malaysian policy debates. We take a structural reform, compress it into a single, emotionally charged question and then argue about it as if it were the whole.
The base medical and health insurance/takaful (MHIT) plan has fallen into this trap. Much of the discussion has centred on whether Malaysians should be allowed to use their Employees Provident Fund (EPF) savings to pay for insurance premiums.
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