新加坡将于2026年4月全面改革IP保险, Singapore to overhaul IP insurance in April 2026, cutting premiums and shifting costs to boost public hospital use.

从2026年4月开始,新加坡将修订综合盾牌计划骑手规则,取消最低扣除额的覆盖范围,并将年度共同支付上限提高到6 000新元。 Starting April 2026, Singapore will revise Integrated Shield Plan (IP) rider rules, eliminating coverage for minimum deductibles and raising the annual co-payment cap to S$6,000. 这些变化旨在遏制私人保健费用的上涨和服务过度使用,预计平均保险费将降低30%。 The changes, aimed at curbing rising private healthcare costs and overuse of services, are expected to lower average premiums by 30%. 卫生部长Ong Ye Kung警告说,这一转变可能会增加对公立医院的需求,促使制定扩大能力的计划,并有可能启动对某些治疗的激增措施。 Health Minister Ong Ye Kung warned the shift may increase demand on public hospitals, prompting plans to expand capacity and potentially activate surge measures for certain treatments. 改革力求将IP保险恢复到其最初目的:防范巨额、不常见的医疗费用。 The reforms seek to restore IP insurance to its original purpose: protecting against large, infrequent medical expenses.