我手上没有原文，是去年开会的时候CEO提到的，他表示整改并不是保险公司单方面的意愿，也有政府给的压力。

保险公司内部有名单，
保险协会也有，
包括医疗协会也有，

但处理结果可大可小，一旦确认，可能终身被取消从医资格，包括医生也有给自己辩护的权力，所以需要很长时间的调查和举证，
AIA和GE的保单目前已经关于prefer的医生（通常是没有任何医疗污点的医生）有区别对待了，相信这也会是一个趋势。

希望政府通过一些手段，让这些事情可以得到控制吧。

Therefore, MOH has been working with the insurance industry, and will be issuing requirements to Integrated Shield Plan insurers which will be applied to all new rider policies. They will be required to have co-payment features going forward, Minister Gan said.

也就是说现有不受影响？

不过要是我的话肯定政策更狠。
比如不看病或者只看了公立的明年保费降10%。
看了私立的明年保费涨50%。

如果没有任何索赔，保费会有20%的优惠。

如果Rider在私立医院索赔超过5000块，即私立医院总账单超过18000左右，第二年保费升四级，如果现在是标准保费的话，升四级的意思就是第二年保费变为标准保费的两倍。如果第二年还有较高私立医院索赔的话，那么保费最高可以涨到标准保费的三倍。

pru的索赔惩罚机制比你想象的严格哦
是增加保费up to 300%

应该是renew时候受影响

住过公立医院的话，第二年保费会涨吗？我记得以前是说不会因为claim过而涨吧

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.

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."

以后都去买5%那个，这个无限理赔的pool的钱就少了，羊毛最终还是出在羊身上

以后还可以往那换

这个只是针对私立医院住院索赔才有的。

哭
还没来得及换

明天开始新签的100%的计划只能renew到2021年4月

这个会涨价吗？还有，如果第一年没有claim的话，第二年保费会不会打折？

主险部分暂时没任何变化