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 with the increase in bill sizes over time. The new cap applies to co-payments excluding the minimum IP deductible. Both the deductible and co-payments can be paid using MediSave, and the minimum 5 per cent co-payment requirement remains unchanged. An Integrated Shield Plan (IP) is an optional private medical insurance plan that supplements the mandatory MediShield Life coverage.  Read more