IP Rider Changes 2026: Two CEOs Discuss What You Should Do Now

With the latest Integrated Shield Plan (IP) rider changes that took effect from 1 April 2026, many are asking: What do these changes really mean, and what should you do next? In this conversation, Havend's CEO Eddy Cheong and Providend's Group CEO Christopher Tan break down the key updates, including changes to deductibles, co-payment structures, and why new riders come with lower premiums but higher out-of-pocket costs. They also share how the system has evolved over time, from full coverage to today’s shared-cost approach, and why these shifts are happening. Beyond the policy changes, the discussion addresses a key concern for many Singaporeans: rising premiums. While new riders may appear cheaper, increases in base plan premiums mean the decision is not as straightforward as switching to a lower-cost option. Eddy and Chris also outline five guiding principles to help you decide what to do next, from understanding your healthcare expectations to assessing affordability, health condition, and the level of flexibility you want in your coverage. This conversation brings together both industry insight and practical guidance, helping you think through the trade-offs and make a more informed decision about your IP plan. At Havend, we are here to provide a safe space for honest, pressure-free advice. If you would like to review how these changes may affect you, reach out to us here: https://havend.com/contact/ Also, here are some useful resources mentioned in the video which you may be keen to learn more about: - What is a deductible? https://www.youtube.com/shorts/OwxOKuohoiI - What is co-payment? https://www.youtube.com/shorts/hS974B7PN00 - New IP Riders from 1 April 2026: Changes You Should Know: https://havend.com/new-ip-riders-1-april-2026-singapore/ - Should You Switch Your IP Rider? A Working Adult’s Guide: https://havend.com/should-you-switch-your-ip-rider-a-working-adults-guide/ - Should You Switch Your IP Rider? A Retiree’s Guide: https://havend.com/should-you-switch-your-ip-rider-a-retirees-guide/ - The Opportunity Cost of Overpaying for Your Shield Plan in Retirement: Beyond “Can I Afford It?”: https://havend.com/the-opportunity-cost-of-overpaying-for-your-shield-plan-in-retirement-beyond-can-i-afford-it/ - InsureWell eBook: - CPF eBook: Like, comment, and subscribe for more insightful videos on insurance planning simplified. ________________________________________________________ Connect with Havend: ▸Facebook: https://www.facebook.com/HavendSG ▸LinkedIn: https://www.linkedin.com/company/havend ▸Instagram: https://www.instagram.com/havendsg ▸Website: https://havend.com/ Music by Bensound.com/free-music-for-videos (License codes: 93MF2P5ZPCXML4CW and BXD6CNP4QAVNLF6L) © Havend Pte Ltd 2026. All Rights Reserved.