Insurance
New Integrated Shield Plan rider design requirements
New IP riders sold from 1 April 2026 cannot cover the MOH minimum deductible and must use a co-payment cap of at least S$6,000, excluding that deductible.- Announced
- Effective
- Verified
What changed
MOH introduced a deductible-coverage restriction and raised the minimum annual co-payment cap. The minimum 5% co-payment requirement did not change.
Previous
Compliant rider designs could cover the minimum IP deductible; the minimum annual co-payment cap introduced in 2018 was S$3,000.New rule
New riders cannot cover the minimum IP deductible. The minimum annual co-payment cap is S$6,000 and excludes that deductible; qualifying-claim conditions still apply.Effect on calculations
The IP Rider Scenario Calculator applies the deductible before co-payment and keeps the deductible outside the annual cap. Premium and lifetime tools continue to use premiums entered by the user.
Limitations
Insurer policy terms, panel or pre-authorisation conditions, MediSave eligibility, existing-policy transitions and actual claims determine real outcomes. Interest.sg does not quote or recommend a plan.
Official sources
- MOH New Requirements for Integrated Shield Plan Riders Verified 2 Sept 2026