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IP rider changes from April 2026: Will you have to pay more if you fall sick?

Learn how the new changes to Integrated Shield Plan riders will affect you and your family.

Potential savings of switching to new riders may be diluted by insurers’ recent IP premium hikes

For Singaporeans who prefer to stay in private hospitals or private A class wards in public hospitals, purchasing an IP can support their healthcare choices.

Several insurers launch new IP riders with new features, going beyond lower premiums

Those who switch to new IP riders could see premiums lowered by 16 per cent to 84 per cent compared with existing riders.

Medical cost inflation in Singapore set to hit record 16.9%; insurers’ body urges collective action

For a start, all seven Integrated Shield Plan (IP) insurers have to launch new riders by April 1 to meet the Ministry of Health’s new requirements.

New IP rider premiums to cost at least 30% less, with one insurer offering an 84% reduction

New riders to be sold will differ in their coverage, with some covering up to public hospital stays and some up to private hospital stays.

Patients must be notified, give consent for their health information to be shared with insurers: MOH

The Health Information Act will require all healthcare providers to contribute patients’ key health information to the national repository, the National Electronic Health Record (NEHR) system.

National genetic testing programme results can’t be used for insurance underwriting: Ong Ye Kung

Health Minister Ong Ye Kung said at the official opening of the SingHealth Genomic Assessment Centre on Jan 19 that there are safeguards currently in place to govern the use of genetic test results in insurance matters.

How will the new requirements for Integrated Shield Plan riders affect you?

New riders sold from April 2026 will have to impose the minimum deductibles that patients have to pay before insurance kicks in.

Insurers to let policyholders switch to new riders of similar, lower benefits without extra underwriting

Insurers will be facilitating transition of their policyholders to new riders without any additional underwriting.

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MDDI (P) 046/10/2025. Published by SPH Media Limited, Co. Regn. No.202120748H. Copyright © 2026 SPH Media Limited. All rights reserved.