New Integrated Shield Plan riders to have higher co-payment cap from April 2026

MOH moves to curb rising premiums; IP riders sold from April 2026 won’t cover minimum deductibles

Singapore's MOH is reforming health insurance riders to combat rising premiums and healthcare costs, introducing new rules from April 2026. Read more at straitstimes.com.

New Integrated Shield Plan riders to have higher co-payment cap from April 2026

As part of efforts to rein in rising healthcare costs, new riders will no longer cover minimum deductibles and must set a higher minimum co-payment cap of S$6,000 a year.

Co-payment for new Integrated Shield Plan riders to cost at least $6,000 from April 2026

New requirements for Integrated Shield Plan (IP) riders will be introduced to address rising insurance premiums and private healthcare costs, said the Ministry of Health (MOH) said on Wednesday (Nov 26). From April 1, 2026, IP riders sold will no longer be able to cover the minimum deductibles set by MOH. Additionally, the minimum co-payment for riders will be raised to $6,000 per year, up from the $3,000 miminum cap set in 2018, to keep pace wi…