Face tomorrow’s uncertainties with confidence

Raffles Critical Illness Plan covers for 37 critical illnesses with an option for early and intermediate stage critical illness coverage.

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Enhance your protection with Raffles Cancer Guard Rider

This rider offers extensive coverage for cancer treatments and when paired with your existing Raffles Shield Plan, it provides unmatched protection against financial stress caused by cancer.

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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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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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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.


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



  1. 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.
  2. RHI only had less than 20 public healthcare institutions claims cases and private healthcare institutions claim cases respectively in 2019.
  3. All the figures are gross figures.
Comparison of Integrated Shield Plans (IPs)

You may refer to MOH’s website (go.gov.sg/moh-compare-ip) for a comparison of Integrated Shield Plans (IPs) across all insurers, including the estimated premiums you have to pay for an IP over your lifetime.


Our Singapore Cover

Raffles Critical Illness Plan is a comprehensive medical plan designed to for 37 critical illnesses with an option for early and intermediate stage critical illness coverage.

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Our close partnership with Raffles Medical Group allows us to provide you with 24/7 services that support you in every step of your healthcare journey.​

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