Last week, MOH dropped a major announcement that affects almost every Singaporean with an Integrated Shield Plan (IP) — and especially those who rely on riders for “full peace of mind”. From 1 April 2026, insurers will no longer be allowed to offer riders that fully cover a patient’s deductible. From 2028, even existing customers will be shifted to the new structure upon renewal. New riders will be simpler and about 30% cheaper, though you’ll need to share part of the bill. In other words, the era of “high-coverage” riders is coming to an end. New requirements for IP riders from 1 April 2026 Most people will see this as a downgrade or something “taken away”. Many are asking: “What does this mean for me? Should I upgrade my rider now? Should I switch?” As someone who has lived through every major shift in Singapore’s health...