Raffles Shield Health Insurance Plans
Health insurance that fits your healthcare and financial needs.
Raffles Shield is an Integrated Shield Plan that complements your MediShield Life
We have developed four basic plans that you can choose from for your healthcare protection needs. We understand that all of us have unique health needs and requirements. This is why we have special options and riders available for you to customise your plans to get exactly the coverage that suit you and the people you love.
Raffles Shield Health Insurance Plans
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
- 25% coverage in Private Hospitals
- Basic coverage on inpatient and outpatient treatments
- Policy Year Limit is $150,000
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 $200,000
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 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
Learn More About Our Health Insurance Plans
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.
Contact Us
Need More In-Depth Advice?
Medical insurance can be complex. Let us simplify it for you.
If you need any assistance in choosing the best health insurance plan for you or your loved ones, you may contact our Raffles Health Advisors for a free consultation here.
Raffles Health Insurance is a health insurance company in Singapore providing healthcare financing solutions for you and your family. Looking to get your health insurance online? Simply fill in the application form and our Raffles Health Advisor will assist you in completing your purchase.
Raffles Health Insurance is the only health insurance company in Singapore backed by a medical group. It is a wholly-owned subsidiary of Raffles Medical Group and is one of the seven health insurance company in Singapore offering MediSave-approved Integrated Shield Plans.