{"id":362921,"date":"2026-04-04T04:15:16","date_gmt":"2026-04-04T04:15:16","guid":{"rendered":"https:\/\/www.newsbeep.com\/nz\/362921\/"},"modified":"2026-04-04T04:15:16","modified_gmt":"2026-04-04T04:15:16","slug":"understanding-new-integrated-shield-plan-riders","status":"publish","type":"post","link":"https:\/\/www.newsbeep.com\/nz\/362921\/","title":{"rendered":"Understanding new integrated shield plan riders"},"content":{"rendered":"<p>Beyond understanding healthcare and insurance preferences, one should also have adequate emergency funds<\/p>\n<p class=\"whitespace-pre-wrap break-words mb-4 md:mb-6\" data-testid=\"article-paragraph-component\">THE landscape for hospitalisation Integrated Shield Plan (IP) riders is shifting significantly. <\/p>\n<p class=\"whitespace-pre-wrap break-words mb-4 md:mb-6\" data-testid=\"article-paragraph-component\">From April, new IP riders sold <a class=\"text-verticals-btblue underline\" data-testid=\"article-annotation-link-component\" href=\"https:\/\/www.businesstimes.com.sg\/singapore\/new-ip-riders-kick-lower-premiums-higher-out-pocket-costs\" target=\"_blank\" rel=\"nofollow noopener\">must follow a stricter cost-sharing framework<\/a>, which aims to encourage prudent use of healthcare services.<\/p>\n<p class=\"whitespace-pre-wrap break-words mb-4 md:mb-6\" data-testid=\"article-paragraph-component\">To recap, IP riders are optional cash-only add-ons, designed to cover out-of-pocket components \u2013 the deductible and co-insurance \u2013 of a hospital bill, which a standard IP does not pay.<\/p>\n<p class=\"font-lucida text-xl font-medium italic leading-normal -tracking-5% text-gray-850\">Decoding Asia newsletter: your guide to navigating Asia in a new global order. Sign up here to get Decoding Asia newsletter. Delivered to your inbox. Free.<\/p>\n","protected":false},"excerpt":{"rendered":"Beyond understanding healthcare and insurance preferences, one should also have adequate emergency funds THE landscape for hospitalisation Integrated&hellip;\n","protected":false},"author":2,"featured_media":362922,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[34],"tags":[134,527,111,139,69],"class_list":{"0":"post-362921","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-healthcare","8":"tag-health","9":"tag-healthcare","10":"tag-new-zealand","11":"tag-newzealand","12":"tag-nz"},"_links":{"self":[{"href":"https:\/\/www.newsbeep.com\/nz\/wp-json\/wp\/v2\/posts\/362921","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.newsbeep.com\/nz\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.newsbeep.com\/nz\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.newsbeep.com\/nz\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.newsbeep.com\/nz\/wp-json\/wp\/v2\/comments?post=362921"}],"version-history":[{"count":0,"href":"https:\/\/www.newsbeep.com\/nz\/wp-json\/wp\/v2\/posts\/362921\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.newsbeep.com\/nz\/wp-json\/wp\/v2\/media\/362922"}],"wp:attachment":[{"href":"https:\/\/www.newsbeep.com\/nz\/wp-json\/wp\/v2\/media?parent=362921"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.newsbeep.com\/nz\/wp-json\/wp\/v2\/categories?post=362921"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.newsbeep.com\/nz\/wp-json\/wp\/v2\/tags?post=362921"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}