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S1E89: New IP rider rules just kicked in. Are you actually better or worse off?
If you have private medical insurance, April 1 would have been on your radar.
Private health insurers have put out new Integrated Shield Plan (IP) riders, which comply with requirements by the Ministry of Health (MOH) that were announced in November 2025.
This move was aimed at curbing rising insurance premiums and private healthcare costs. The major effect on policyholders? They will now be required to fork out more in deductibles and co-payments.
The upside is that new IP riders are more affordable than the previous ones. What does this move spell for private insurers, doctors and…
The skinny
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