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I purchased an Integrated Shield Plan (IP) for my employee. Can they downgrade to MediShield Life again?

Updated by MOM

Yes, employees can choose to downgrade from their IP to MediShield Life at any time. Their MediShield cover will not be subject to further underwriting.

This information is sourced from MOM.

Topics:

Employment practicesPortable medical benefits

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My employee is currently covered under MediShield Life. What will happen to their MediShield Life cover if I buy an Integrated Shield Plan (IP) for them?

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If I downgrade to an Integrated Shield Plan (IP) with lower coverage or switch insurers, will I need to go through health assessment / underwriting again?

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Will I receive subsidies even though I am insured under an Integrated Shield Plan? Do I have to downgrade my insurance plan to MediShield Life to receive subsidies?

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