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Replies: Insurance – Financial advisers must adhere to high ethical standards and industry regulations

April 24, 2025

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The Straits Times

We thank Dr Tan Yia Swam for her letter "Insurance agents asking doctors to change codes to ensure claims go through" (April 17) and refer to the Ministry of Health's reply "MOH will review MediShield Life coverage for prophylactic mastectomy" (April 22).

We would like to provide more context regarding Integrated Shield Plans (IPs), preventive treatments and ethical guidelines for financial adviser representatives.

IPs offer coverage for hospitalisation, surgery and selected outpatient treatments on top of MediShield Life coverage. As IPs are today designed to cover medically necessary treatments, treatments and procedures that are preventive in nature are not claimable.

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