Private Healthcare Coverage From 39 Cents A Day

Raffles Shield A+RH option, an integrated shield plan that offers you the best public and private healthcare coverage.

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We help cover medical bills for you, your family and your employees both locally and worldwide.

We are fully committed in providing high-quality care and making health insurance simple and accessible for you.

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announcements

COVID-19 Updates

Coverage for COVID-19

As of 20 October 2020, all Singaporeans, Permanent Residents and Long-term Pass Holders, who travelled out of Singapore and are hospitalised for symptoms for COVID-19 within 14 days of their return, will receive cover on their Raffles Shield Plan, for COVID-19 treatment received on and after 20 October 2020.

For more information, please refer to MOH’s News Highlights.

Coverage for Adverse Effects from COVID-19 Vaccination

In aid of national public health efforts, we will be extending our Raffles Shield Plans on a free and automatic basis to cover inpatient treatment of any adverse/ side effects experienced by the Insured from COVID-19 vaccination. This extension of cover is effective from 18 January 2021.

This will apply to all Insured who receive COVID-19 vaccinations approved by the Health Sciences Authority (HSA). This special coverage will be provided till 31 December 2022.

General
Updates

Drivers of Premium

Your premiums are used to pay for commissions, claims and other expenses involved in administering your policy*.

The cost of claims would change depending on the claim size and number of claims submitted by policyholders. In the past 3 years, the average bill size average bill size had decreased by 22%² and increased by 32% in the public and private healthcare institutions respectively. The number of claims submitted per policyholder had also increased by 150%².

*Based on all long-term accident and health plans, including IPs and riders

Note

As Raffles Shield was launched in 2018, Raffles Health Insurance’s expenses includes set up as well as operational costs. As a result, this leads to high expense ratio in its early years. This is within the company’s expectation and the ratio will decrease as the portfolio grows.
RHI only had less than 20 public healthcare institutions claims cases and private healthcare institutions claim cases respectively in 2019.
All the figures are gross figures.

PRODUCT UPDATES

Our New Regional Cover

Raffles Elite Care is a comprehensive medical plan designed to take care of your healthcare needs when working or living in the region.

Life Stories

Hear From Our Clients

Pleasant sales experience and onboarding process

As a cancer survivor, I was doubtful about finding a health insurer that is able to accept me with my medical history. Despite my skepticism, I managed to connect with Joy, my Raffles Health Advisor (RHA), who was very patient and genuine in attending to my questions for hours via a video conference call. She made me feel assured that my needs and concerns are thoroughly addressed. She was also very helpful in following up with my application process and for that, I am very grateful.

Eiko T

Pleasant experience with Raffles Health Advisor

I was looking for a health insurance plan that is able to cater to my hospitalisation needs. I am glad to be able to speak with Daniel, my Raffles Health Advisor (RHA), who was very helpful in explaining the product details and guided me through the application process. Also, I appreciate the extra effort in him meeting up and accompanying me to the clinic for my medical check to complete the application. I will recommend Raffles Hospital products and Daniel to my connections and whenever opportunities arise

Soh K S

Affordable health insurance plan for my child

As a young mother, I wanted to find an affordable health insurance for my kid. However, I was concerned about the rising cost of medical insurance in Singapore. Thankfully, Raffles Health Insurance provided me with health insurance plans that are priced decently lower than my previous one. Furthermore, I really liked the additional assurance that Raffles Shield will continue to provide medical insurance coverage for my kid should anything happen to me with their ‘Waiver of Premiums for Child’ benefit until my kid is 21 years of age.

Julie J