Changelog: Rule Changes Affecting Singapore and Hong Kong Insurance and Wealth Content, 2024–2027, and Network Version History

This is the changelog of the Xiaopoxian Knowledge Network. It has two parts: a timeline of rule changes from 2024 to 2027 affecting Singapore and Hong Kong insurance and wealth content, and the network's own version and correction history. If you have read a page in the network and want to know whether its rules have changed since, look up the date here first, then go to the affected sister site. All statuses are as at 24 October 2026; dates follow the issuing institution's original text, and sources are given in each entry and in the sources list.

How to read this log

Three statuses:

Three reading notes:

1. This log includes only changes supported by Tier 1 (official primary) and Tier 2 (industry guidance) sources. Rules reported only by law firms or the media, where the original text has not been seen, are excluded or have the nature of their source clearly stated.
2. "Affected sites" lists the sister sites that need corresponding updates, so readers can go back and check the relevant pages; it does not mean all those sites have been revised, and each page's updated date is the guide.
3. Earlier rules that still apply also matter for reading. For example, the cap of 4.25% p.a. and floor of 3.00% p.a. on illustrated rates for Singapore-dollar participating policies have applied since 1 July 2021 (LIA) and remain the benchmark for reading benefit illustrations; see Topic Map (Part 1).

2024: consumer protection and conduct standards

What this year's changes mean for reading: The 2024 changes centred on "what happens when something goes wrong". With the deposit insurance and FIDReC limits raised, any older page in the network still showing S$75,000 or S$100,000 is out of date. FSG-G04 extended fair dealing requirements to all financial institutions, and the "clear, relevant and timely information" writing requirement in this network's methodology takes it as its reference. The MediShield Life review was announced in 2024, but implementation runs across 2025 to 2027, so it appears again in the years below.

2025: illustration rules, critical illness definitions and adviser standards

What this year's changes mean for reading: The switch in critical illness definitions is the change most easily overlooked. Products sold from 1 October 2025 use the new definitions, while readers' existing policies are still claimed under the definitions in force when they were bought, so check the version before comparing old and new policies. The change to Hong Kong's illustration rate caps affects only point-of-sale illustrations for Hong Kong policies; it is set on a different basis from Singapore's cap and cannot be compared directly.

2026: medical riders, digital advertising and CRS amendments

What this year's changes mean for reading: Medical insurance saw the most change in 2026. The new IP rider rules apply to riders sold from 1 April 2026; riders bought before 27 November 2025 do not have to be switched, and insurers' arrangements for existing policies are as set out in their own notices (MOH, 26 November 2025). The change to the Investor Alert List means that "not finding an impersonator on the list" no longer tells you anything; verification should go back to the MAS Financial Institutions Directory and the institution's official website.

Announced, not yet in force, and expected changes

The following entries were not yet in force as at 24 October 2026; wherever the network mentions them, it uses the future tense and states the status.

Writing convention: on or after the day each rule takes effect, affected pages switch to the present tense, and a "rule in force update" entry is added to the version history below. If an institution postpones or changes a date (as with the outpatient deductible moving from 1 January 2026 to 1 June 2026), the latest original text prevails and the change is noted in this table.

Network version history

The version history records only releases, corrections and consistency updates that have already happened; it does not announce unfinished versions.

How corrections are logged: when a figure or rule statement on a page is confirmed to be wrong, the original page is amended, its updated date is changed, and a new row is added to this table stating the date, the correction and the affected sites. The correction process and review cycle are described in the methodology. If you spot content that is out of date or wrong, you can let us know through the contact details on this site, and it will be handled through the process above once verified.