Raffles Shield Plans

Health insurance that fits your healthcare and financial needs.

Overview

Raffles Shield is an Integrated Shield Plan that complements your MediShield Life. We have developed 4 basic plans to cover most of your healthcare needs. We do understand, that we are all unique and might have different aspirations. This is why we have developed special options and riders for you to customise your plan.

View The Highlights Of Our Raffles Shield Plans Below

Compare the highlights of our various Raffles Shield plans below! 

MediShield Life

Mandatory Health Insurance For All Singapore Citizens (SC) & PRs

HIGHLIGHTS
  • 43% coverage on B1 class hospitals for SC
  • 35% coverage in Private Hospitals
  • Basic coverage on inpatient and outpatient treatments
  • Policy Year Limit is $100,000

Raffles Shield Standard

A Top-Up To Your MediShield Life Insurance

HIGHLIGHTS
  • 100% coverage on B1 class hospitals for SC
  • 50% coverage in Raffles Private Hospitals
  • Increased coverage on inpatient and outpatient treatments
  • Policy Year Limit is $150,000

Raffles Shield B

Triple Your MediShield Life Yearly Limit

HIGHLIGHTS
  • 100% coverage up to B1 class wards in public hospitals
  • Waiver of premium for insured (Child)
  • Pre- and Post-Hospitalisation Treatment: As Charged (90 Days)
  • Most outpatient and inpatient treatments covered as charged
  • Policy Year Limit is $300,000
  • Possibility to tailor make your plan

Raffles Shield A

Gain Better Access To A Class Wards In Public Hospitals

HIGHLIGHTS
  • 100% coverage up to A class wards in public hospitals
  • 70% proration at Raffles Hospital
  • Waiver of premium for insured (Child)
  • Pre-Hospitalisation Treatment: As Charged (Up to 180 Days)*
  • Post-Hospitalisation Treatment: As Charged (Up to 365 Days)*
  • Most outpatient and inpatient treatments covered as charged
  • Policy Year Limit is $600,000
  • Possibility to tailor make your plan

Raffles Shield Private

Get Everything Taken Care Of – Including Access To All Private Hospitals

HIGHLIGHTS
  • 100% coverage up to single bed class wards in private hospitals
  • Waiver of premium for insured (Child)
  • Pre-Hospitalisation Treatment: As Charged (Up to 180 Days)*
  • Post-Hospitalisation Treatment: As Charged (Up to 365 Days)*
  • Most outpatient and inpatient treatments covered as charged
  • Policy Year Limit is $1,500 000 for in-panel and $600,000 for non-panel treatments
  • Possibility to tailor make your plan

*Full details are available in the Benefit Table.
Discover the full benefit table to compare all the plans in details.

Customise Your Raffles Shield Plan

Raffles Shield offers special options and/or riders to help you customise your plan according to your needs.

Raffles Hospital Option

Gain Access to Private Hospital Facilities At A Lower Price Tag

Add this option to Raffles Shield A Plan to gain access to Raffles Hospital facilities at a lower price tag as compared to a full private plan.

Applicable for Raffles Shield A Plan

High Deductible Option

Lower the price tag of your Raffles Shield Plan

Consider increasing your deductible to $10,000 in return for a lower price tag. This may be suitable if you can complement your Raffles Shield Plan with your company health insurance.

Applicable for Raffles Shield B, Raffles Shield A and Raffles Shield Private Plans

Key Rider

Cover up to 95% of your medical expenses

Supplement your plan with Key Rider to replace your deductible and co-insurance with a 5% co-payment on every claim instead.

Applicable for Raffles Shield B, Raffles Shield A and Raffles Shield Private Plans

Premier Rider

Supplement your Raffles Shield Plan with additional benefits

Premier rider provides additional benefits such as:

  • Accommodation expenses for an Immediate Family Member
  • Post-Hospitalisation Traditional Chinese Medicine
  • Post-Hospitalisation home care
  • Emergency outpatient treatment due to accident
  • Ambulance services

Applicable for Raffles Shield B, Raffles Shield A and Raffles Shield Private Plans

Watch our videos to find out more about our unique features

Video explainer on Raffles Shield A + Raffles Hospital (RH) Option

Video explainer on Raffles Shield High Deductible Option

Need Detailed Product Information?

View our Product Summary for more information on our plan benefits and premium tables.

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