Raffles Cancer Guard Rider

Your Ultimate Protection Against
the Financial Burden of Cancer

A Crucial Addition to Your Health Insurance Plan

Cancer is a leading cause of death worldwide. In Singapore, an average of 44 people are diagnosed with cancer every day 1. It is crucial to have a comprehensive health coverage plan that protects you against this disease.

Acknowledging that each individual’s journey with cancer is unique, the Raffles Cancer Guard rider includes traditional Chinese medicine (TCM) and psychological counselling to provide holistic care that addresses physical and emotional well-being.

This rider offers extensive coverage for cancer drug treatments (Cancer Drug List and Non-Cancer Drug List), and when paired with Raffles Shield base plan, it provides protection against financial stress caused by cancer.

1 Singapore Cancer Society. 2016. Common Types of Cancer. Retrieved from:
https://www.singaporecancersociety. org.sg/learn-about-cancer/cancer-basics/common-types-of-cancer-in-singapore.htm/

Key Features

Extensive cancer drug treatments coverage

  1. For drugs on the Cancer Drug List (CDL): Benefit from a monthly limit of up to 18 times the MediShield Life (MSHL) limit, in addition to your base plan limit.*Total Coverage is capped at 23X MSHL if Raffles Shield Private Plan/ Raffles Shield A +RH Plan is taken with Premier Rider and Cancer Guard Rider.
  2. For non-CDL drugs: Receive an annual limit of up to $250,000/year

Comprehensive cancer drugs services

Tap into an annual limit of up to 15 times the MediShield Life (MSHL) Limit for additional cancer drug services, supplementing your base plan limit. *Total Coverage is capped at 20X MSHL if Raffles Shield Private Plan/ Raffles Shield A +RH Plan is taken with Premier Rider and Cancer Guard Rider.

Holistic TCM treatment from Raffles Chinese Medicine

At Raffles Chinese Medicine, TCM practitioners provide treatments such as acupuncture that enhance patients’ overall well-being.

Psychological Counselling

A cancer diagnosis can evoke overwhelming emotions such as fear, sadness, and anger. A qualified psychologist at our Panel Clinics* can help you navigate these feelings through coping strategies and techniques tailored to your needs.

Frequently Asked Questions

Yes, Raffles Cancer Guard Rider can be taken in addition to  your Raffles Key and/ or Premier Rider.

No, it can only be taken as a rider to your Raffles Shield Plans.

Yes. For example, if you take up Raffles Shield Plan A and Raffles Guard Rider, the annual policy year limit for both plans is $600,000.

To sign up for Raffles Cancer Guard Rider, all you need to do is answer a few underwriting questions in the application form.

 
 

How It Works?

Here’s how Raffles Cancer Guard works with your existing Raffles Shield insurance to give you a more comprehensive cancer coverage:

Amy, age 35 currently has Raffles Shield Private Plan and Key Rider, which gives her the flexibility to seek medical treatment at private or public hospitals. She decides to sign up for Raffles Guard Rider to have a more comprehensive cover in the event that she gets diagnosed with cancer.

Scenario #1

Amy is diagnosed with breast cancer. She undergoes cancer treatment on the cancer drug list (CDL) by a private specialist who is on RHI panel.

The monthly Medishield Life Claim Limit for the drug treatment is $600.

Total Bill Amount

$10,156.98

(a) Raffles Shield Private covers:
(5 X MediShield Life claim limit per month, including MediShield Life payout)

$3,000

(b) Raffles Cancer Guard Rider pays:

$6,141.29

(c) Raffles Key Rider pays:

$507.85

(d) Out- of- Pocket expenses pays:

$507.85

TOTAL

Total amount covered under Raffles Shield Private, Raffles Cancer Guard Rider and Raffles Key Rider (a)+(b)+(c)

$9,649.14

Total out-of-pocket expenses (d)$507.85

Scenario #2

Amy is diagnosed with breast cancer. She undergoes cancer treatment not on the cancer drug list (Non- CDL).

Her attending Specialist in from a Private Hospital that is not on the Raffles Shield Panel or Extended Panel.

Total Bill Amount

$10,771.39

(a) Raffles Shield Private covers:

N.A

(b) Raffles Cancer Guard Rider pays:
(20% Co-Payment applies due to non-panel private specialist)

$4,406.59

(c) Raffles Key Rider pays:
(up to $5,000 Non-CDL coverage per policy year)

$5,000

(d) Out- of- Pocket expenses pays:
(5% Co-payment)

$1,364.80

TOTAL

Total amount covered under Raffles Cancer Guard Rider and Raffles Key Rider (b)+ (c):

$9,406.59

Total out-of-pocket expenses (d):$1,364.80

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