MOH said they welcome the latest measures by private insurers to adjust the terms for those on existing Integrated Shield Plans (IP) with riders that cover hospital bills in full. NTUC Income started informing policyholders that they will soon have to co-pay part of their future hospitalization bills when their policies are renewed. This means that even if you are on one of the IP Riders that cover all the deductibles and co-insurance, you would have to co-pay. You will not be grandfathered into these changes. I smell some stinking bullshit here.

• More than 1 insurer decide to change their plans
• The changes to the line items generally looks similar

Feels to me that they were forced to make the change by some centralized body. The internal circular is that there is this Health Insurance Task Force (HITF) that encourage insurers to include co-insurance and/ or deductible features into their health plan and use preferred healthcare provider panels....