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Integrated Shield Plan Rider Out-of-Pocket Scenario Calculator

Test an eligible-bill scenario using the official 2026 minimum rider design or terms you verified in your policy. The result separates the policy-year deductible, uncapped co-payment, remaining annual cap and illustrated patient share without predicting an insurer claim decision or final cash payment.

✓ Results shown free✓ Dated source references✓ General information only

2026 IP rider mechanics · methodology v1.0.0 · official rules effective 1 Apr 2026

Saved rider terms stay unselected until you choose each one for this scenario.

01

Eligible-bill scenario

Use only the eligible or claimable bill amount you want to test. Do not enter diagnosis, procedure, provider or claim-document details.

MOH · CPF Board
Eligible-bill scenario
Policy-year deductible

The deductible is paid before the co-payment. Multiple bills in one policy year can add towards it.

Co-payment and annual cap

The 2026 minimum design keeps a 5% co-payment and a minimum S$6,000 annual cap, excluding the deductible.

If not selected, the engine shows the uncapped co-payment and warns that the cap may not apply.

⌁ Calculated in your browser. Inputs leave your device only if you choose to save them.

Clear outputs

What this tool will show

Each result stays connected to the inputs and rules used.

  • 01Eligible-bill deductible and co-payment waterfall
  • 02Illustrated patient share, clearly not a claim estimate
  • 03Annual qualifying co-payment cap progress
  • 04Cap-applied or cap-may-not-apply state
  • 05Eligible-bill sensitivity and official source links
Transparency standard

The workings stay visible from day one.

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Official rules

Applied parameters include a source and verification date.

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Assumptions

User inputs and defaults are clearly separated.

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Limits

Scope and exclusions appear beside the result.

Read the full methodology→

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