For those of you who don’t know what an Integrated Shield Plan (IP) is, it is an optional health coverage provided by private insurance companies on top of the mandatory Medishield Life. Essentially IP covers the hospital bill above the amount covered by Medishield Life plan. Usually, you can also get a rider on top of the IP to cover the co-insurance and deductible. This rider used to be able to cover 100% of your hospital bill but since March 2018, the rider will need to incorporate a minimum of 5% co-payment. See figure below for illustration. I was with AIA Healthshield Gold Max A for my integrated shield plan and the corresponding AIA Max VitalHealth A value rider. This essentially covers most of my medical bill except for the 5% co-payment for any hospital including private ones. This does give me a piece of mind knowing that I will not be financially dragged down if I were to, touch wood, suffer from...