In March 2018, the Ministry of Health (MOH) announced that all supplementary plans to an Integrated Shield Plan (IP) issued from 1 April 2019 will need to incorporate a co-payment of at least 5%. This is to encourage prudent provision and consumption of healthcare services by both healthcare providers and policyholders. As such, we are transitioning all existing IP supplementary plans to a co-payment structure from renewals commencing 1 April 2021.