If you’re looking to review whether your health insurance coverage is sufficient or too much, here are three questions to ask yourself, says financial adviser Grace Tay. SINGAPORE: A major change in health insurance plans is coming up in April 2026. Those who buy new Integrated Shield Plan (IP) riders will bear more out-of-pocket costs when making claims, as the deductible will no longer be covered and the annual co-payment cap will be raised.  Those who already have existing riders won’t be