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Tina Lee
Age: 17

Tina Lee pays $201 less by locking in her Raffles Shield A+RH premiums for 3 years!

Age	Private Plan¹	Raffles Shield A+ RH	Raffles Shield A+ RH with Lock-In Promotion
17	$185	$143	$143
18	$185 + 10%² = $204	$143 + 10% = $157	$143
19	$219 +10% = $241	$157 + 10% = $173	$143
Total over three years	$630	$473	$429

¹ Figures are based on an average of the private insurance premiums across all 7 Integrated Shield Plan (IP) providers in 2019 with the assumption of a 10% year-on-year increase in private insurance premiums.
² Private insurance premiums are assumed to increase 10% year-on-year.

Tom Lee
Age: 20

Tom Lee pays $263 less by locking in his Raffles Shield A+RH premiums for 3 years!

Age	Private Plan¹	Raffles Shield A+ RH	Raffles Shield A+ RH with Lock-In Promotion
20	$199	$143	$143
21	$157 + 10%² = $173	$157 + 10% = $173	$143
22	$235 +10% = $258	$173 + 10% = $190	$143
Total over three years	$692	$506	$429

¹ Figures are based on an average of the private insurance premiums across all 7 Integrated Shield Plan (IP) providers in 2019 with the assumption of a 10% year-on-year increase in private insurance premiums.
² Private insurance premiums are assumed to increase 10% year-on-year.

Mrs Lee
Age: 45

Mrs Lee pays $1,278 less by locking in her Raffles Shield A+RH premiums for 3 years!

Age	Private Plan¹	Raffles Shield A+ RH	Raffles Shield A+ RH with Lock-In Promotion
45	$642	$336	$336
46	$712 + 10%² = $783	$423 + 10% = $465	$336
47	$783 +10% = $861	$465 + 10% = $512	$336
Total over three years	$2,286	$1,313	$1,008

¹ Figures are based on an average of the private insurance premiums across all 7 Integrated Shield Plan (IP) providers in 2019 with the assumption of a 10% year-on-year increase in private insurance premiums.
² Private insurance premiums are assumed to increase 10% year-on-year.

Mr Lee
Age: 50

Mr Lee pays $1,757 less by locking in his Raffles Shield A+RH premiums for 3 years!

Age	Private Plan¹	Raffles Shield A+ RH	Raffles Shield A+ RH with Lock-In Promotion
50	$712	$423	$423
51	$1,002 + 10%² = $1,102	$642 + 10% = $706	$423
52	$1,102 +10% = $1,212	$706 + 10% = $777	$423
Total over three years	$3,026	$1,906	$1,269

¹ Figures are based on an average of the private insurance premiums across all 7 Integrated Shield Plan (IP) providers in 2019 with the assumption of a 10% year-on-year increase in private insurance premiums.
² Private insurance premiums are assumed to increase 10% year-on-year.