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A framework for thinking about the new Integrated Shield riders

Beyond understanding healthcare and insurance preferences, one should also have adequate emergency funds

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    • With the new-design riders, you may need to tap more of your CPF Medisave account to cover a larger share of your hospitalisation bill.
    • With the new-design riders, you may need to tap more of your CPF Medisave account to cover a larger share of your hospitalisation bill. PHOTO: BT FILES

    Lorna Tan and Shawn Lee

    Published Fri, Apr 3, 2026 · 02:00 PM

    THE landscape for hospitalisation Integrated Shield Plan (IP) riders is shifting significantly.

    From April, new IP riders sold must follow a stricter cost-sharing framework, which aims to encourage prudent use of healthcare services.

    To recap, IP riders are optional cash-only add-ons, designed to cover out-of-pocket components – the deductible and co-insurance – of a hospital bill, which a standard IP does not pay.

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