Shield-A-Friend FAQs

Raffles Health Insurance “Shield-a-Friend”
Referral Program (“Program”)

Frequently Asked Questions on Shield-A-Friend Program

Raffles Shield is an Integrated Shield Plan (IP) that complements your Medishield Life scheme, enhancing your healthcare coverage. Yearly premiums can be paid for using your Medisave, which means less cash out of your pocket.

Raffles Shield started in August 2018. It is the first shield plan that is backed by a Medical Group.

Under the Terms & Conditions, the referral rewards shall not be payable if the Referred Friend purchase Raffles Shield plans under other campaigns or offers (e.g. RMG staff and family discount, corporate offers), unless otherwise specified.

We offer Raffles Shield A, B, Standard and Private plans. We also provide various options to suit the needs of each individual. These include two Options – Raffles Hospital option and High Deductible option and two Riders- Key Rider and Premium rider. Popular plans are Raffles Shield Private plan and Raffles Shield A + Raffles Hospital Option. However, our Raffles Health Advisors will recommend the best plans to suit the needs of your friend.

We are the only Integrated Shield Plan that is backed by a Medical Group. We also cover 3 pre-existing conditions (Hypertension, Hyperlipidaemia and Diabetes) subject to review if the conditions are well-managed. We also offer the Raffles Hospital option on top of the Raffles Shield A to give policyholders an option of enjoying private healthcare without having to pay the full premiums for private plans.

Under the Shield-A-friend program, you are not obligated to sell any of the plans to your friends. For more information, you may refer them to our Raffles Health Advisors who will help you to close the case. You only need to refer and get the rewards once their applications are successful!

No. There is no minimum number of friends you need to refer in order to stay in the program.

We only provide rewards for every successful application. In other words, if your friend’s application was unfortunately rejected, no reward will be given for this particular referral. However, your friend may consider to appeal if he/she has a valid reason/evidence against the rejection.

Foreigners can only purchase the Raffles Shield Private plan.

Our Raffles Shield plans are competitive in the market in terms of pricing. Many of our policyholders make a switch to Raffles Shield, given that the coverage compared to other insurers are almost the same. If you have friends who think that their premiums are way too expensive, you may recommend your friends to make a switch and save more! Furthermore, our Raffles Health Advisors are here to help your friends make the comparison with his/her current shield plan with no obligations.

Raffles Shield cover 3 pre-existing chronic conditions (Hypertension, Hyperlipidaemia and Diabetes) subject to review if the condition(s) is/are well-managed. Policyholders with these pre-existing conditions will have to enrol in our Raffles Care Management Programme (RCMP). Under this programme, our medical doctors will help to manage their health.

In the event that your friend has other pre-existing conditions (glaucoma, kidney disease, cancers etc), the application will be subject to underwriting.

You are highly encouraged to fill in the contact form and our Raffles Health Advisors will contact your friend personally to make an appointment at their own time.

Having an Integrated Shield plan is an essential part of an insurance portfolio, especially with rising medical costs. Therefore, we would encourage you to share about this programme with as many of your friends as possible.

You may go to our Raffles Shield website ( > Contact Us > Fill in the Contact form with the following details;

  • Name and Contact details of Friend.
  • Under Text, key in “Referred by [full name of Referrer]”.
  • Under Promo code, key in “FRIEND”.

Yes. However, we do encourage you to sign up for your friend before heading down to our office at here

Yes. However, we do encourage you to sign up for your friend before heading down to our office at here

Please refer to link below for more information; (Brochure) or (Calculator based on age)

Alternatively, contact us at +65 6286 2866 (Raffles Health Insurance Customer Centre Hotline) or to find out more.

We will inform you via email on a monthly basis.

Your total rewards for the month will be credited to your bank account on the 15th of the following month. Please note that there is a free-look period of 30 days after the issuance of each policy. The reward is only payable if your friend’s policy passed the free-look period.

In other words, if your friend’s policy started on 15th September 2019 and remained in force on 15th October 2019, you would be able to receive your reward on 15th November 2019.

If your friend cancels the policy during the free-look period, he/she may receive a full refund of the private insurance component of the Premium, as long as no claims have been paid.

If he/she cancels her policy after a claim has been paid, or after the free-look period, we will provide a pro-rated refund of the unused Integrated Plan’s Premiums.

You may email us directly at if you wish to drop out of the program.