which gives you insurance, which helps but is not adequate and needs to be revamped and Khaw Boon Wan's principal job is to work on this and try and see what we can do to update the MediShield system to make it work better for Singaporeans. You have to pay more premiums, it cannot be helped, but we will be able to come up with a better scheme which will give you better protection and which will look after you in case of ill-health and will save you a lot of worry.