With integrated shield plans now requiring a 5% co-payment, should you opt for treatment from a panel or non-panel doctor? Read this to find out which option to pick before you make a trip to the hospital. 

Panels for integrated shield plans (IP) have been around for a few years and are therefore not entirely new to the market. However, the requirement for IPs to offer riders with co-payment from 1 April 2021 has triggered a debate over panel versus non-panel specialist doctors.