How it works
Will An Integrated Plan Cover Me More?
Of Course.
Every year, your Medisave is automatically used to pay for your MediShield Life premiums – a compulsory health insurance for all Singaporean Citizens (SC) and Permanent Residents (PR).
With MediShield Life Only
- Provides basic coverage targeted at large hospital bills in class B2/C (Public Hospital)
- Do not cover Pre- & Post- hospitalisation.
- MediShield Life payout annual limit is only $100,000. Any amount of the bill above the annual limit of $100,000 will be payable by you.
With Integrated Shield Plan Higher Coverage And Greater Protection Against Large Hospital Bills
- Wider scope of coverage
- Coverage up to A/B1 class wards in public and private hospitals
- Some benefits are as charged, instead of being capped at limits
- Covers Pre- & Post- hospitalisation
Claim Limits: The maximum amount you can claim from MediShield Life depends
on the claim limit for each type of expense.
Deductible: The amount which you have to pay before we pay any claim under your policy.
Co-Insurance: The amount which you have to co-pay after the deductible has been applied to the reasonable and customary expenses (usually 10%).
Will An Integrated Shield Plan Cost Me More?
Yes, A Little, But For Good Reasons.
Select Your Age At Next Birthday:
MediShield Life Yearly Premium:$ is deducted from your MedisaveYour Yearly MediSave Additional Withdrawl Limit: $
| Raffles Shield Standard | Raffles Shield B | Raffles Shield A | Raffles Shield Private | |
|---|---|---|---|---|
| Integrated Shield Plan Coverage | $ | $ | $ | $ |
| Total Premium/Year (Paid with Medisave) | $ | $ | $ | $ |
| Personal Cash Outlay | $ | $ | $ | $ |
Illustrative Case Study
Mr Tan, a 46-year old was diagnosed with Coronary Artery Disease. The doctor recommended him to undergo Coronary Angioplasty (PTCA) procedure. Mr Tan was admitted at A class ward in public hospital and his bill was $36,500.
I Have MediShield Life,
What More Could Raffles Shield Offer Me?
| Inpatient & Day Surgery Benefits |
MediShield Life Coverage Up To – |
Raffles Shield Plan Coverage Up To – |
|---|---|---|
| Daily Ward & Treatment Charges | $700/Day | As Charged |
| Daily Ward & Treatment Charges In ICU | $1,200/Day | As Charged |
| Community Hospital (Up To 45 Days Per Hospitalisation) | $350/Day | As Charged |
| Surgery | $200 – $2,000 | As Charged |
| Surgical Implants & Approved Medical Consumables | $7,000/Admission | As Charged |
| Gamma Knife | $4,800/Procedure | As Charged |
| Inpatient Psychiatric Treatment | $100/Day (Up To 35 Days) | $8,000/Year |
| Accidental Inpatient Dental Treatment | Not Covered | Covered |
| OUTPATIENT BENEFITS |
MediShield Life Coverage Up To – |
Raffles Shield Plan Coverage Up To – |
|---|---|---|
| Kidney Dialysis | $1,000/Month | As Charged |
| Radiotherapy (i) External or Superficial (ii) Brachytherapy | (i) $140/Session (ii) 500/Session | As Charged |
| Chemotherapy | $3,000/Month | As Charged |
| Immunotherapy | Not Covered | As Charged |
| Stereotactic Radiotherapy | $1,800/Treatment | As Charged |
| Immunosuppressants For Organ Transplant | $200/Month | As Charged |
| Erythropoietin | $200/Month | As Charged |
| Additional benefits | MediShield Life |
Raffles Shield Plan (Excluding Standard Plan) |
|---|---|---|
| Pre-Hospitalisation Treatment (Subject To Max. No. of Days) | Not Covered | Covered |
| Post-Hospitalisation Treatment (Subject To Max. No. of Days) | Not Covered | Covered |
| Post-Hospitalisation Psychiatric Treatment* | Not Covered | Covered |
| Waiver Of Premium For Insured* | Not Covered | Covered |
| Breast Reconstruction After Mastectomy | Not Covered | Covered |
| Major Organ Transplant | Covered | Covered |
| Stem Cell Transplant | Covered | Covered |
| Human Immunodeficiency Virus (HIV) Due To Blood Transfusion And Occupationally Acquired HIV | Covered | Covered |
| Living Donor Organ Transplant | Covered | Covered |
| Pregnancy Complications Benefit | Covered | Covered |
| Congenital Abnormalities Benefit For Insured | Covered | Covered |
*Terms and Conditions Apply.
