Mr Andrew Seow Chwee Guan's suggestion makes sense ("Reduce Medisave Minimum Sum for pioneers"; Monday), especially for pioneers and civil servants who already receive generous medical subsidies.

I am a retired civil servant and a member of the pioneer generation. I went to Tan Tock Seng Hospital recently for a medical consultation. The bill came to $72, but I had to pay only $18, on account of subsidies.

Thus, it doesn't make much sense of me to hold a substantial amount of money in my Medisave account, since my medical bills are highly subsidised.

If the Medisave Minimum Sum for people like me can be lowered, the excess money could be used to fund the Central Provident Fund Life scheme, on a mandatory basis, to help seniors with their daily expenses, especially since the cost of living is so high.

Raymond Lo Wan Mou