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Why does the Standard Integrated Shield Plan not cover pre-existing conditions with risk-loading?



Similar to all other Integrated Shield Plans (IPs), the additional private insurance component of the Standard IP is provided by private insurers. Coverage under the Standard IP is therefore a business decision based on the risk assessment framework of each insurer.

Since the launch of MediShield Life, MOH has allowed all IP insurers to introduce risk-loading options for policyholders who would like coverage for their pre-existing conditions. The insurers are allowed to assess, approve with or without exclusions/risk-loading, or reject applications for the additional private insurance component of the IP based on their own risk assessment frameworks.  However, no IP insurers have started to offer such risk-loaded policies yet.

This information provided here is sourced from the MOH website.

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