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Raffles Health offers 4 categories of insurance plans for individuals and businesses, spanning health insurance plans such as the Integrated Shield Plan (IP), international health insurance, international medical coverage for your company, oil and gas, maritime industries, customised group insurance, foreign workers' insurance plans, and more.
Raffles Shield is a fairly new Integrated Shield Plan (IP) launched in 2018 by the Singapore-based Raffles Medical Group offering competitive premiums relative to the coverage it provides. Benefits of Raffles Shield includes coverage for hospitalisation, pre- and post-hospitalisation treatments, and additional benefits such as accidental inpatient dental treatments. A key feature of Raffles Shield would be the optional add-on "Raffles Hospital Option" which allows the Raffles Shield A policyholders to extend their hospitalisation and ward access to include private hospital wards in Raffles Hospital – an affordable option for policyholders to enjoy private hospitalisation access.
|Raffles Shield Plans||Hospital Wards||Annual coverage limit|
|Raffles Shield Private||All private hospitals and wards in public restructured hospitals||S$1,500,000 (for panel hospitals), S$600,000 (for non-panel hospitals)|
|Raffles Shield A||Class A ward in public restructured hospitals and below. Option to add the "Raffles Hospital Option" to your plan to access wards in Raffles Hospital||S$600,000|
|Raffles Shield B||Class B1 ward in public restructured hospitals and below||S$300,000|
|Raffles Shield Standard||Class B1 ward in public restructured hospitals and below||S$150,000|
If you are a Raffles Shield Plan policyholder, there are optional riders available for you to add on to your plan to help reduce your out-of-pocket co-insurance and deductible costs. Raffles Insurance offers 2 riders and 2 options for the Raffles Shield Plan. There are no riders nor options available for Raffles Shield Standard policyholders.
|Raffles Shield Benefits||Exclusions|
|Foreigners||While Singapore citizens and Permanent Residents (PRs) are eligible for all types of the Raffles Shield plans, foreigners living in Singapore are only eligible for the Raffles Shield Private plan.|
|Hospitals, Clinics, and Specialists||No matter which Raffles Shield plan you are on – whether you are covered for private or public hospitalisation stays – your treatments have to be sought at one of the MediShield Life-approved hospitals, clinics, specialists, centres, or laboratories for your treatment to be eligible for claims.|
|Surgeries||Whether you are on the Raffles Shield Private, A, B, or Standard, your coverage for surgeries only extends to procedures that are listed in Table 1A to Table 7C of the “Table of Surgical Procedures” published by the Ministry of Health (MOH), and excludes minor surgical procedures.|
|Community Hospital Stay||Your community hospital stay will only be eligible for coverage and claims if you are immediately transferred to an approved community hospital from your hospitalisation stay at a public restructured hospital or private hospital which you have filed claims for with your Raffles Shield (and have been approved).|
|Pre-Hospitalisation Treatments||Your pre-hospitalisation treatments will only be eligible for claims if you actual hospitalisation stay was first approved for claims.|
|Pre-Hospitalisation Treatments||If you are a Raffles Shield Private policyholder, any pre-hospitalisation treatments filed within 180 days prior to your hospital admission will only be claimable if your pre-hospitalisation specialist is a Raffles Panel Specialist and was your attending specialist while you were hospitalised.|
|Post-Hospitalisation Treatment||If you are a Raffles Shield Private or A policyholder, the 365 days coverage for any post-hospitalisation treatments excludes psychiatric treatments. Any inpatient psychiatric treatments sought within 90 days after your discharge will be covered under the "Inpatient Psychiatric Treatment" benefit.|
|Living Donor Organ Transplant||Whether you are a Raffles Shield Private, A, or B policyholder, you can only utilise your living donor organ transplant 24 months after your policy start or policy reinstatement date. Any living donor organ transplants before 24 months will not be eligible for claims.|
|Pregnancy Complications Benefit||This benefit is only eligible for claims if you were hospitalised due to these 6 complications: ectopic pregnancy, pre-eclampsia or eclampsia, disseminated intravascular coagulation, miscarriage, choriocarcinoma and hydatidiform mole, or postpartum haemorrhage requiring hysterectomy. All other pregnancy complications are excluded.|
|Breast Reconstruction after Mastectomy||The breast reconstruction treatment must done within 12 months from your mastectomy due to breast cancer.|
|Emergency Overseas Medical Treatment||You will still be subject to pro-ration if you were admitted into a ward higher than your Raffles Shield plan's entitled ward class.|
Raffles Shield is Raffles Health Insurance's flagship hospitalisation plan. It is a MediShield-approved Integrated Shield Plan (IP) – meant to supplement the mandatory MediShield Life health insurance plan provided for Singaporeans and Permanent Residents (PRs) by Singapore's Ministry of Health (MOH). There are 4 types of Raffles Shield plans – Private, A, B, and Standard – with incremental coverage for private and public hospitals wards in Singapore. Benefits include a high S$1.5 million annual coverage limit (for the Private plan), lifetime renewability, full coverage for wards, Intensive Care Unit (ICU), surgeries, community hospital stays, inpatient psychiatric treatments, accidental inpatient dental treatment, outpatient kidney dialysis, radiotherapy, chemotherapy, immunotherapy, erythropoietin, pre- and post-hospitalisation treatments, organ transplants, pregnancy complications, and more. Raffles Shield's premiums start from S$218 for ages 21 to 25, S$221 for ages 26 to 30, S$339 for ages 31 to 35, S$342 for ages 36 to 40, S$537 for ages 41 to 45, and so on for the Raffles Shield Private plan and can be paid by MediSave (subject to Additional Withdrawal Limits).