there are some conclusion on this as it already reported in news that future new shield plan , insured have to pay a co-payment, that is 5% or max 3,000 dollars.

currently all insurer companies are reviewing on the existing shield plan and i believe it will announce soon. keep you all posted.

( straits times)  the below is the chart why co-payment will help to keep the premium *healthy and encourage claims more justifiable  and as channel new asia also reported that The zero co-payment feature of these full riders has resulted in a “buffet syndrome”, leading to over-consumption, over-servicing and over-charging of healthcare services