Official reference data
Integrated Shield Plan Rider Rules 2026
A release-controlled reference for the Interest.sg IP Rider Out-of-Pocket Scenario Calculator. It explains minimum rider design mechanics and the conditions assumed by the calculator; it is not an insurer claim table.
Source date: · Last successful check:
New rider design requirements from 1 April 2026
| Component | MOH requirement | Calculator treatment |
|---|---|---|
| Minimum IP deductible | New riders cannot cover the MOH minimum IP deductible | Applied before the co-payment and limited to the eligible bill |
| Co-payment rate | Minimum 5% remains unchanged | Editable only in manual terms mode |
| Annual co-payment cap | Minimum S$6,000, excluding the minimum IP deductible | Remaining cap is reduced by qualifying co-payments already paid |
| Cap conditions | Cap applies only to eligible claims such as panel or pre-authorised claims | Cap is applied only when the user confirms the condition assumption |
| MediSave | Deductible and co-payments may be paid with MediSave subject to prevailing withdrawal limits | No MediSave eligibility or final cash amount is estimated |
MOH minimum IP deductibles
| Coverage / setting | Minimum deductible | Application |
|---|---|---|
| Class A / private | S$3,500 | Per policy year |
| Class B1 | S$2,500 | Per policy year |
| Class B2 | S$2,000 | Per policy year |
| Class C | S$1,500 | Per policy year |
| Day surgery / short stay — non-subsidised | S$2,000 | Per policy year |
| Day surgery / short stay — subsidised | S$1,500 | Per policy year |
For hospitalisation, the required minimum deductible is the lower of the amount for the IP's targeted coverage and the ward class used. Multiple bills in the same policy year can add towards the deductible.
Legacy and 2026 rider context
| Cohort | Deductible | Minimum annual cap context |
|---|---|---|
| Legacy rider | May be covered depending on the rider terms | S$3,000 under the earlier minimum framework |
| New rider from 1 April 2026 | MOH minimum IP deductible must be paid by the policyholder | S$6,000 excluding the minimum deductible |
Legacy contracts vary. The legacy preset is a historical framework guidepost and must be checked against the user's policy wording.
MOH worked example — Mr A
| Step | Amount | Working |
|---|---|---|
| Eligible bill used in example | S$56,900 | MOH Annex B |
| Private-hospital deductible | S$3,500 | Paid first |
| Post-deductible amount | S$53,400 | S$56,900 − S$3,500 |
| 5% co-payment | S$2,670 | 5% × S$53,400 |
| Illustrated patient share | S$6,170 | S$3,500 + S$2,670 |
The calculator reproduces these mechanics when the same eligible-bill and rider assumptions are entered. It does not infer that another bill is eligible or claimable.
Related calculators
Official sources
- MOH New Requirements for Integrated Shield Plan RidersMinistry of Health · verified 2026-09-02
- MOH New Integrated Shield Plan RidersMinistry of Health · verified 2026-09-02
- MOH Comparison of Integrated Shield PlansMinistry of Health · verified 2026-09-02
- CPF Board — What MediShield Life Covers and What You Can ClaimCentral Provident Fund Board · verified 2026-09-02
- CPF Health Insurance PlannerCentral Provident Fund Board · verified 2026-09-02
Official data can change. Open the sources above to confirm the latest rules before acting; Interest.sg never estimates missing official values.
Suggested citation: Interest.sg, “Integrated Shield Plan Rider Rules 2026”, source date 2026-04-01, last successful check 2 Sept 2026.