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From 1 April 2026, the Ministry of Health is reforming Integrated Shield Plan riders to keep private health insurance sustainable. New riders can no longer wipe out your entire bill, the co-payment cap rises, and rider premiums fall by about 30%. Here’s exactly what changes, when — with the numbers, straight from MOH.
Last verified12 Jul 2026
Data versionMOH 2026 rider framework
Verified sources3 of 3
Sourced from MOH media releases and the IP rider framework. Confirm specific rider terms with your insurer's policy contract.
The deductible is the first slice of an eligible hospital bill you pay each policy year before your plan pays. Under the new rules, no rider can cover it. These are the MOH minimum deductibles (age 80 and below):
| Ward class | Minimum deductible / policy year |
|---|---|
| Class A / Private | S$3,500 |
| Class B1 | S$2,500 |
| Class B2 | S$2,000 |
| Class C | S$1,500 |
| Day surgery / short stay (non-subsidised) | S$2,000 |
| Day surgery / short stay (subsidised) | S$1,500 |
Both the deductible and your co-payments can be paid using MediSave, subject to the prevailing withdrawal limits.
When a rider covers everything, there’s little reason to weigh the cost of care. MOH notes that private hospital IP policyholders with riders are about 1.4 times as likely to make a claim, with average claim sizes about 1.4 timeslarger than those without. That pushes up bills and, in turn, everyone’s premiums. Keeping a real co-payment — but capping it at S$6,000 a year — is meant to restore some cost discipline while protecting people from catastrophic bills.
If you already hold a full-coverage rider, you keep it for now, but you’ll move to a new-requirement rider by your renewal after 1 April 2028. If you’re buying now, the new riders are cheaper but leave you paying the deductible and up to S$6,000 in co-payment a year — so your cash or MediSave buffer for a hospital stay matters more than before. Whether a private, Class A or Class B plan and rider fits depends on your budget, hospital preference and health — this page lays out the rules, not a recommendation.
Compare Integrated Shield Plans and their riders side by side — premiums by age, ward class, deductible and co-payment — or have an AdvisorOS adviser model your out-of-pocket cost under the 2026 rules.
Compare Integrated Shield Plans →Summarised from Ministry of Health media releases and the IP rider framework, last verified 2026-07-12. This is general information, not financial advice or a recommendation to buy, keep or switch any plan or rider. Exact terms, deductibles and co-payment caps depend on your chosen plan and the insurer’s policy contract. Confirm with the insurer or a licensed financial adviser before any decision.