The government can't/won't even do that for our mandatory Medishield Life, where they have all the stats of people who will be insured in Singapore as well as overseas.
I don't think it is realistic to expect them to launch an opt-in and non-profit insurance scheme that covers above and beyond Medishield Life.
As for why they do not do it as per vehicle insurance, where those who have claims pay higher premiums, I do not think it is feasible. Here is why I think so.
Integrated shield plans work on a reimbursement basis, it will defeat the purpose of risk pooling if I have no conditions upon signing up but do end up paying more premiums because of a claim I made. What if the claim was small? How much should it increase? What if it's large? Should it now become unaffordable for me?
People under integrated shield plans already have such a 'feature', whereby those who have pre-existing illnesses are excluded from that specific cover or are unable to purchase a shield plan entirely.
Vehicle insurance increases premiums, ISP excludes coverage.
Side note:
On the topic of insurers not honoring claims, as long as it is not excluded in the benefit illustration, we actually do have incentive to honor payments. Reputation. Nobody would buy insurance ISP or other plans from a company that has a bad name.
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