Best Raffles Medical Group Health Insurance Plans Singapore 2020

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Post-Hospitalisation Benefit

365 days

Post-Hospitalisation Benefit
Covers COVID-19
Max. Annual Coverage Limit
S$1,500,000
Pre-Hospitalisation Benefit
180 days
Post-Hospitalisation Benefit
365 days
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Raffles Shield coverage

Raffles Shield is an integrated shield plan by Raffles Medical Group. It is fairly new as it was only launched in 2018. Overall, Raffles Shield offers competitive premiums relative to the coverage it provides. Benefits of Raffles Shield includes coverage for hospitalisation, pre and post hospitalisation treatment and additional benefits such as accidental inpatient dental treatment benefit. One key feature of Raffles Shield would be its Raffles Hospital option which allows those under their A plan to have private hospital service from Raffles Hospital despite plan A covering up to class A wards only. This helps customers save money as compared to getting a private hospital plan.

Types of Plans offered for Raffles Shield

Hospital wardAnnual coverage limit
PrivatePrivate hospital$1,500,000 (for panel hospitals), $600,000 (for non-panel hospitals)
AClass A ward$600,000
BClass B1 ward$300,000
StandardClass B1 ward$150,000

Why Raffles Shield?

Raffles Hospital Option

Due to Raffles Health Insurance being owned by Raffles Medical Group, which also owns Raffles Hospital, those under the A plan for Raffles Shield can opt to purchase a Raffles Hospital Option. This will enable you to get 100% coverage at Raffles Hospital (a private hospital) on top of Class A public/restructured hospitals. Hence, customers are able to get private hospital treatment while paying lesser premiums that they would have for a private hospital plan.

Lifetime Renewability

Some highlights of Raffles Shield is the high annual coverage limit of up to $1,500,000 and also the relatively long pre and post hospitalisation coverage of up to 180 days and 365 days respectively. However, the best part is the there is a lifetime renewability feature available. This means that by having Raffles Shield, you are covered for life with guaranteed renewability.

Raffles Medical Group Integrated Shield Plan riders

For the integrated shield plan, you can opt to add-on riders to further reduce your out-of-pocket costs. For Raffles Shield, there is only one rider available that you can add called Raffles Key Rider. The perks of this rider is as follows:

Lower out-of-pocket costs

When you add Raffles Key to your Raffles Shield plan, co-payment is reduced to 5% and capped at $3,000 per year in the event you go for pre-authorised treatment or get treated at a public/restructured hospital or by a specialist on Raffle Medical Group’s panel.

Hospital Cash

The rider also has daily hospital cash benefit when you choose to stay in a ward lower than what your plan entitles you to. For example, when you stay in a class A ward when you have a Raffles Shield Private plan.

Raffles Medical Group health insurance claim process

For Hospital bills

If you are receiving treatment at a medical facility accredited by the Ministry of Health (MOH), you are to submit your hospitalisation claim via the Electronic Claim Submission System upon your discharge. If your treatment is done at a medical facility that is not accredited by MOH, a manual claim must be submitted. Claim form can be obtained from the Raffles Health Insurance website.

For pre and post-hospitalisation

For claims regarding pre or post hospitalisation, you need to file in a claims form along with supporting documents. These supporting documents include any medical reports, inpatient discharge summary, final summary and itemised hospital bills. The list of documents needed are stated on the claim form which can be found on the Raffles Health Insurance website. Alternatively, you can submit the claim online with all supporting documents attached in a zip file.

Frequently asked questions

Is the Raffles Shield payable by medisave?

All integrated shield plans like the Raffles Shield are payable by MediSave.

Do the premiums of the Raffles Shield increase with age?

Yes, the premiums for the Raffles Shield will increase with age.

Can I get more than one Raffles Medical Group integrated shield plans to increase my coverage?

You are only allowed to have one integrated shield plan regardless of which private insurer you are covered under.

Is the quoted premium an additional amount I have to pay besides my MediShield Life plan?

When you pay the premiums for your Raffles Shield, you are paying for both your MediShield Life and the private insurer coverage by Raffles Medical Group.