Raffles Choice Rider Review [2026]

Last updated: 21 May 2026

Raffles Choice Rider is the new ISP rider for Raffles Shield, launched from 1 April 2026 in compliance with MOH’s new rider requirements. It replaces the old Raffles Key Rider and covers co-insurance payable by you when hospitalised, with a 5% co-payment on the amount after deductible, capped at $6,000 per policy year for panel, extended panel and Government Restructured Hospital (GRH) treatments.

Read About: New ISP Rider Changes April 2026 Singapore: What You Need to Know

Read About: Raffles Shield Review 2026

Raffles Choice Rider Product Details

• Supplementary rider for Raffles Shield plans (Private, A and B)
• New from 1 April 2026: replaces old Raffles Key Rider, complies with MOH’s new ISP rider requirements
• Co-Insurance Coverage: 5% co-payment on the amount after deductible
• Co-payment Cap: $6,000 per policy year for treatment by RHI’s panel/extended panel specialists or Government Restructured Hospitals (GRH)
• Important: no cap on co-payment for treatment by non-panel/non-GRH specialists and cancer treatments not on the Cancer Drug List
• Minimum IP Deductible: must be paid out of pocket (not covered by this rider)
  
  • Raffles Shield Private, $3,500 per policy year
  • Raffles Shield A, $2,000 per policy year
  • Raffles Shield B, $1,500 per policy year
• No additional underwriting required when transitioning from old Raffles Key Rider to Raffles Choice Rider
• Can be combined with Raffles Premier Rider and Raffles Cancer Guard Rider for more comprehensive coverage
• Cash outlay only, rider premiums cannot be paid by MediSave

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Features of Raffles Choice Rider at a Glance

Co-Insurance and Deductible Coverage

• Minimum IP Deductible: Not covered, you pay $1,500 to $3,500 out of pocket depending on plan
• Co-payment: 5% on amount after deductible
• Annual co-payment cap (panel/extended panel/GRH): $6,000 per policy year
• Annual co-payment cap (non-panel/non-GRH): No cap
• Annual co-payment cap (non-CDL cancer treatments): No cap

Additional Riders Available

• Raffles Premier Rider: Optional add-on for family accommodation, TCM, home care, accident outpatient and ambulance benefits. Premiums unchanged from April 2026.
• Raffles Cancer Guard Rider: Optional add-on for additional cancer coverage beyond the Cancer Drug List. Premiums unchanged from April 2026.

Comparison: Old Raffles Key Rider vs New Raffles Choice Rider

Important note on non-panel treatment: Unlike some other ISP riders which cap co-payment even for non-panel specialists (with pre-authorisation), Raffles Choice Rider does not cap co-payment for non-panel/non-GRH specialists. If you frequently see non-panel specialists, please factor this into your decision.

Note: If you purchased the old Raffles Key Rider before 27 November 2025, there is no immediate impact. Raffles Health Insurance is currently assessing the approach and will inform you in due course. If you purchased the Key Rider between 27 November 2025 and 31 March 2026, you will transition to Raffles Choice Rider no later than your next renewal after 1 April 2028.

For further information and details, refer to the Raffles Health Insurance website. Alternatively, fill up the form below and let us advise accordingly.

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Raffles Choice Rider May Be Suitable If You Are Looking For

Raffles Choice Rider may potentially be a good fit if the following matters to you:

• You are covered under any Raffles Shield plan and want to reduce your co-insurance share when hospitalised
• A 5% co-payment capped at $6,000 per policy year for panel, extended panel and GRH treatments
• No additional underwriting when switching from the old Raffles Key Rider
• Combining with Raffles Premier Rider for additional family accommodation, TCM and home care benefits
• Combining with Raffles Cancer Guard Rider for additional cancer drug coverage beyond the Cancer Drug List
• Access to Raffles Medical Group’s integrated healthcare network covering specialists, hospitals and clinics

Raffles Choice Rider May Not Be Suitable If You Are Looking For

Raffles Choice Rider may potentially be a bad fit if the following matters to you:

• Near-zero out-of-pocket hospitalisation costs, the minimum IP deductible must still be paid out of pocket
• Those who frequently see non-panel or non-GRH specialists, there is no co-payment cap for non-panel treatment under this rider
• Those who want cancer drug treatment coverage beyond the Cancer Drug List without purchasing the Raffles Cancer Guard Rider separately
• Paying rider premiums using MediSave, rider premiums are cash outlay only

Further Considerations on Raffles Choice Rider

• Should I switch from the old Raffles Key Rider to the new Raffles Choice Rider?
• Should I add the Raffles Premier Rider or Cancer Guard Rider for more comprehensive coverage?
• How does Raffles Choice Rider compare with riders from other ISP insurers?
• How much will my out-of-pocket costs be if I see a non-panel specialist?

The above information may not fully highlight all the product details and features of Raffles Choice Rider. Talk to us or seek advice from a MAS-licensed financial adviser before making any decision about Raffles Choice Rider.

Is Raffles Choice Rider Suitable for Me?

Not sure if Raffles Choice Rider is the right rider for you? Compare it against other ISP riders in Singapore.

Read our Best Integrated Shield Plans Singapore 2026 guide or WhatsApp us for a free personalised ISP review, no obligation, no cost.