Raffles Shield - Best Medical Insurance Plan in Singapore
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With effect from 7 August 2020, Singapore residents (i.e. Singapore Citizens and Permanent Residents) who travelled under permitted travel arrangements will be eligible for Government subsidies and MediShield Life/ Integrated Shield Plan/ Group Health coverage should they require hospital admission for suspected or confirmed COVID-19 infection.
Singapore residents and long-term pass holders who travel in breach of the travel advisories, or who did not obtain proper travel permits will not have access to subsidies and MediShield Life/ Integrated Shield Plan/ Group Health coverage (including Non-Integrated Shield Plan for Foreigners) should they be hospitalised for COVID-19 related medical conditions.
For more information, please refer to MOH’s News Highlights.
To help ease the financial strain on individuals and SMEs caused by the COVID-19 pandemic, RHI has joined forces with the insurance industry to provide additional support to policy holders. Click on the links below to learn how this is done through the financial measures package announced by the Monetary Authority of Singapore (MAS):
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 2021. Extensions to the duration of coverage will be considered in the later part of the year after close monitoring of the evolving situation.
Raffles Shield Updates
Since 1 March 2021, the benefits for MediShield Life (MSHL) have been enhanced. MediShield Life premiums will see an increase to keep pace with rising healthcare costs. As an Integrated Shield plan’s premium comprises of MediShield Life and a private insurance portion, while there will be no changes to the premiums for the Raffles Shield (private insurance) component, there will be an increase in total premiums for Raffles Shield plan(s).
Why Consider Raffles Shield
We offer private healthcare coverage at competitive premiums.
Enjoy access to private healthcare at Raffles Hospital while paying a lower premium compared to a full private plan.
We got your child covered.
Additional private insurance premiums will be waived in the unfortunate case of death or Total Permanent Disability (TPD) of the payor to ensure that the child’s coverage continues.
We complement your company's medical benefits.
Complement your company’s benefits and ensure no coverage overlap, while enjoying more savings from lower premiums at the same time.
We offer flexibility in plan changes.
You can choose to start with our Plan B and upgrade to Plan A with Raffles Hospital Option (A+RH), with no additional underwriting as long as there are no downgrades and claims in the first 5 years of your policy.
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.
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.
Unique 'Raffles Shield A Plan' with 'Raffles Hospital Option'
As someone who is looking for both public and private hospital coverage at an affordable price, I was doubtful that I would be able to find a plan that can tailor to my specific needs. Despite my doubts, Daniel, my Raffles Health Advisor (RHA), informed me that Raffles Health Insurance offers the ‘Raffles Shield A Plan + Raffles Hospital Option’ that is able cover up to public hospital ‘A’ wards AND provide private hospital coverage at Raffles Hospital. This unique plan is able to meet my hospitalisation needs quite well.
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