Integrated Shield Plans Insurers will ensure access to quality and affordable healthcare

We refer to the letter “Need for regulations that put patient care ahead of commercial decisions by insurers” (Sept 30).

- Chan Wai Kit

Integrated Shield Plan (IP) insurers are committed to patient care by providing financial protection for medically necessary treatments and enabling peace of mind during recovery.

IP panels were recommended by the Health Insurance Task Force as a key mechanism encouraging efficient use of healthcare services. Panels help in cost control by enabling predictable claims, standardised reporting and greater accountability while reducing over-utilisation. These in turn lower the costs for all policyholders.