IP附加险调整：又一抑制索赔、改善保险公司业绩之举

对保单持有人而言，这意味着医院账单的保障范围将缩小，但附加险保费预计会降低30%。

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Genevieve Cua

Published Wed, Nov 26, 2025 · 02:00 PM

私立医院的账单金额中位数以11.5%的年复合增长率攀升，从2019年的9100新元增至2024年的15700新元。图片来源：商业时报资料照片

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【新加坡】综合健保计划（Integrated Shield Plans，简称IP）再次成为焦点，而保单持有人很可能——再一次——发现规则又变了。

新加坡卫生部（MOH）刚宣布，从明年4月起，IP附加险将有两项重大调整：一、新的附加险将不再涵盖IP的自付额（deductible）。二、共同承担（co-payment）费用的上限——自2018年以来设定为每年最低3000新元——将提高至每个保单年度最低6000新元。

从现在到2026年3月31日，保险公司可以继续销售现有的附加险计划，但新保单持有人最迟将在2028年4月后的下一次保单续保时，过渡到新的附加险。保险公司将研究针对现有附加险的应对方案，而保单持有人可自由选择转换至新的附加险以节省保费。

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