Your Shield Plan Just Changed.
Are You Still Protected?
From 1 April 2026, new MOH rules mean Singaporeans pay more out of pocket when hospitalised. Combine your Shield Plan and CI details here to see exactly where you stand.
🔍 Check Your Personal Coverage Gap
Answer 5 quick questions to calculate your exposure under the new rules.
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New riders can no longer cover the S$3,500 deductible, and the co-payment cap has doubled to S$6,000. Select a hospital ward to see your true out-of-pocket exposure:
Your Shield Plan covers the hospital stay. But who covers the months you can't work? 1 in 4 Singaporeans will be diagnosed with cancer in their lifetime, requiring months of treatment, ongoing medication, and loss of income.
Deductibles Are No Longer Covered
Previously, riders covered your deductible (S$1,500–S$3,500/year). Now, you pay this out of pocket before insurance kicks in.
🔴 Higher Out-of-PocketCo-payment Cap Doubled
The cap on how much you co-pay has doubled to S$6,000. For larger hospital bills, you now risk paying significantly more.
🔴 Affects Big Medical BillsThe Hidden Critical Illness Gap
If diagnosed with cancer, your Shield Plan covers the hospital stay. But who covers the months you can't work?
🔴 Income Loss Exposure📅 Book Your Free Consultation
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