🎉 Helping You Protect What Matters
Mentored 245 advisers •  Prevented life from being changed since 2016. 🛡️ 2,298 Clients • 3.3k Policies

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Starting 1 April 2026, MOH requirements for all Integrated Shield Riders will change. 
❌ Deductibles: No longer coverable by riders
❌ Co-pay Cap: Doubles from $3,000 to $6,000.



🚨 URGENT: Integrated Shield Plan Riders Changes (Apr 2026)

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The Rider covers non-CDL and caps co-payment at $3,000/year, ensuring medical treatment doesn't become a financial decision. 

Why are Riders Important? 

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Alicia Khoo

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Alicia Khoo

🎉 Helping You Protect What Matters Mentored 245 advisers • Prevented life from being changed since 2016. 🛡️ 2,298 Clients • 3.3k Policies

Start today. Protect your tomorrow.