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S1E148: Health insurance riders: Buy one, downgrade or drop It?
Navigating Singapore’s evolving health insurance landscape.
Synopsis: Every first Wednesday of the month, The Straits Times helps you make sense of health matters that affect you.
The rules for Integrated Shield Plan (IP) riders changed on Apr 1, 2026. New mandates from the Ministry of Health mean that riders that offer nearly full coverage can no longer be sold. They have been replaced by plans that require higher out-of-pocket costs in exchange for lower premiums. These new riders promote greater accountability in controlling escalating healthcare expenses.
If you have an existing IP…
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