The Deductible under Medishield Life can be removed

I find it quite ridiculous that we take so much trouble to design a medical insurance scheme, called Medishield, that pays a small proportion of the hospital bill. It is better to change the scheme to cover a larger proportion of the hospital bill and make it more meaningful. 
One change is to remove the Deductible or reduce it to small amount. 
Here is the explanation
http://c-onyx.com/page/1894