Big changes are coming to private health insurance from 1 April 2026. Here's a clear, plain-English guide to what's changing, what isn't, and what you should do next. Why Is This Happening? For the better part of a decade, Singaporeans with Integrated Shield Plan (IP) riders have enjoyed near-total coverage when hospitalised — paying very little, sometimes nothing, out of pocket. That was the promise. But it quietly became a problem. The numbers tell the story. Private hospi