IP riders sold from Apr 1 are no longer allowed to cover the minimum IP deductibles, which range from S$1,500 to S$3,500 per policy year and vary by ward class. SINGAPORE: Private health insurers will roll out a new suite of Integrated Shield Plan (IP) riders on Wednesday (Apr 1), with premium reductions ranging between 16 and 55 per cent. The changes follow new requirements by the Ministry of Health (MOH), announced in November last year, aimed at curbing rising insurance premiums and private