- New riders have lower premiums (up to 84%)
- But require higher out-of-pocket costs:
- Deductible is no longer covered (the first dollar, up to $3,500, is not covered)
- A 5% co-payment (capped at $6,000) applies
- Existing top-tier riders typically only have a 5% co-payment (capped at $3,000)
In today’s fast-paced environment, where information is constantly overflowing, yet another update to hospitalisation insurance has been introduced. I’ll keep this article short and focused on what you need to know.
This is not the first time we’ve seen changes to hospitalisation insurance. The list below highlights the many revisions over the past few years—yet premiums have continued to rise.
As a result, private insurers have introduced new riders to meet MOH requirements from 1 April 2026, with the objective of offering lower premiums and more sustainable coverage.
Here’s a quick summary of what it means for you:
What’s changed?
