{"id":285221,"date":"2025-11-26T23:43:11","date_gmt":"2025-11-26T23:43:11","guid":{"rendered":"https:\/\/www.newsbeep.com\/uk\/285221\/"},"modified":"2025-11-26T23:43:11","modified_gmt":"2025-11-26T23:43:11","slug":"faq-what-you-need-to-know-about-upcoming-changes-to-integrated-shield-plan-riders","status":"publish","type":"post","link":"https:\/\/www.newsbeep.com\/uk\/285221\/","title":{"rendered":"FAQ: What you need to know about upcoming changes to Integrated Shield Plan riders"},"content":{"rendered":"

SINGAPORE: The Ministry of Health (MOH) announced on Wednesday (Nov 26) new rules<\/a> for insurance plans to curb rising private healthcare costs.<\/p>\n

These changes will affect Integrated Shield Plan riders \u2013 private insurance add-ons that complement MediShield Life to cover the fees for higher hospital wards or private healthcare.<\/p>\n

I already have a rider. How is the new version different?<\/p>\n

From Apr 1, 2026, new riders will no longer be allowed to cover the minimum deductible, which is the amount policyholders must pay each policy year before insurance kicks in.\u00a0<\/p>\n

In addition, the annual co-payment cap for new riders will increase from S$3,000 (US$2,300) to S$6,000. The 5 per cent co-payment requirement remains unchanged and policyholders can still use MediSave to pay for deductibles and co-payments.<\/p>\n

To illustrate how the new requirements work, let\u2019s take the example of a 60-year-old patient named Patrick. He currently has a private hospital Integrated Shield Plan and rider, but decides to switch to the new rider in April next year, saving him S$1,600 in rider premiums per year.<\/p>\n

Three years later, he undergoes knee joint replacement surgery at a private hospital, incurring a bill of S$56,900.<\/p>\n

As a private hospital patient, he has to pay S$3,500 in deductibles.<\/p>\n

After deducting this sum from the total, the 5 per cent co-pay cap means Patrick also has to fork out 5 per cent of S$53,400, which is S$2,670.<\/p>\n

His base Integrated Shield Plan will cover S$48,060. For the deductibles and co-payment, Patrick has to pay a sum of S$6,170, which can be fully covered by MediSave, resulting in no out-of-pocket costs.<\/p>\n

If he had chosen to stick with his existing rider, it would have covered the S$3,500 in deductibles. He would receive about S$6,000 in rider payouts, which is 95 per cent of the total bill after deducting what his base payout will cover.\u00a0<\/p>\n

From his total bill of S$56,900, the 5 per cent cap means Patrick needs to co-pay about S$2,840, which can also be fully covered by MediSave, resulting in no out-of-pocket costs.<\/p>\n

However, by switching to the new rider, Patrick had already saved S$4,800 of rider premiums in cash over the last three years.<\/p>\n","protected":false},"excerpt":{"rendered":"SINGAPORE: The Ministry of Health (MOH) announced on Wednesday (Nov 26) new rules for insurance plans to curb…\n","protected":false},"author":2,"featured_media":285222,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[43],"tags":[102,13607,2960,116097,1349,116098,56,54,55],"class_list":["post-285221","post","type-post","status-publish","format-standard","has-post-thumbnail","category-healthcare","tag-health","tag-health-insurance","tag-healthcare","tag-hospitalisation-insurance","tag-insurance","tag-integrated-shield-plans","tag-uk","tag-united-kingdom","tag-unitedkingdom"],"_links":{"self":[{"href":"https:\/\/www.newsbeep.com\/uk\/wp-json\/wp\/v2\/posts\/285221","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.newsbeep.com\/uk\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.newsbeep.com\/uk\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.newsbeep.com\/uk\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.newsbeep.com\/uk\/wp-json\/wp\/v2\/comments?post=285221"}],"version-history":[{"count":0,"href":"https:\/\/www.newsbeep.com\/uk\/wp-json\/wp\/v2\/posts\/285221\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.newsbeep.com\/uk\/wp-json\/wp\/v2\/media\/285222"}],"wp:attachment":[{"href":"https:\/\/www.newsbeep.com\/uk\/wp-json\/wp\/v2\/media?parent=285221"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.newsbeep.com\/uk\/wp-json\/wp\/v2\/categories?post=285221"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.newsbeep.com\/uk\/wp-json\/wp\/v2\/tags?post=285221"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}