从新闻来看应该是3月8号之前购买的不受影响MOH has agreed to this for new riders. However, it has not mandated any change for the 1.1 million people who already have full riders - which effectively allows people to pay nothing for hospital bills - for their Integrated Shield Plans (IPs).
The MOH is giving insurers until April 1, 2019, to come up with new riders that include the co-payment and cap. At that point, no full riders for IPs can be sold.
To prevent people rushing out to buy full riders before then, anyone buying a rider from Thursday (March 8 ) has to switch to the new scheme by April 1, 2021 at the latest.
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Elaborating on the scheme, Senior Minister of State for Health Chee Hong Tat said: "Any pre-existing conditions that are covered prior to the switch will not be excluded."
This should also apply to people currently with full riders who want to switch to the new scheme to save money. Said Mr Chee: "We expect the new riders to have lower premiums than full riders, so the switch will result in premium savings for policyholders."
As for those who already have riders, Mr Chee said: "We recognise that existing rider policies are commercial contracts between insurers and their policy holders.
"If insurers intend to make changes to their existing policies, they should consider the interest and well-being of all policy holders , as they seek to keep premiums affordable for everyone in the longer term."
This should also apply to people currently with full riders who want to switch to the new scheme to save money. Said Mr Chee: "We expect the new riders to have lower premiums than full riders, so the switch will result in premium savings for policyholders."
As for those who already have riders, Mr Chee said: "We recognise that existing rider policies are commercial contracts between insurers and their policy holders.
"If insurers intend to make changes to their existing policies, they should consider the interest and well-being of all policy holders , as they seek to keep premiums affordable for everyone in the longer term."
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