Under new rules taking effect on 1 April 2026, insurers will no longer be allowed to offer riders that fully cover the government-mandated deductible. Patients will therefore shoulder part of their medical bills, even with a rider, Â a shift aimed at reducing overuse and keeping premiums sustainable.
Will these changes strengthen long-term affordability, or place greater financial pressure on patients who already need more care?
Hear from Asst Prof Cynthia Chen as she highlights that the greater cost-sharing may increase out-of-pocket expenses and could channel more patients toward public hospitals. Additionally, the medical inflation, an ageing population, and rapid advances in treatment are likely to keep premiums rising, underscoring the importance of consumers assessing their financial buffer and healthcare needs carefully.
Photo credit: LianHe ZaoBao