Raffles Shield A

Raffles Health Insurance Shield A Review

The complete Pros and Cons on Raffles Health Insurance Shield A

Raffles Health Insurance Shield A is a Medisave-approved medical expense reimbursement plan which gives you more benefits and hospitalisation stay in Class A and below wards in public/government hospitals.

Reviewed by InterestGuru on 01/06/2023
InterestGuru rating for Raffles Shield A: [usr=3.0]

Raffles Health Insurance Shield A product details

  • Non-participating policy – Integrated Shield Plan
  • Covers as charged for public hospital A-class wards and below
  • 70% proration if stay at Raffles Hospital
  • Premium waiver for child if the unexpected occur with the parent
  • As charged coverage for pre-hospitalisation treatments (up to 180 days)
  • As charged coverage for post-hospitalisation treatments (up to 365 days)
  • As charged coverage for most outpatient and inpatient treatment
  • Yearly policy limit of S$600,000 in coverage

Features of Raffles Shield A at a glance

Based on the options with the highest coverage for Raffles Shield A

Pre- and post-hospitalisation treatments

  • Pre-hospitalisation treatment: Within 180 days from discharge
  • Post-hospitalisation treatment: Within 365 days from discharge

Inpatient hospital treatment

  • Emergency overseas treatment: As charged, limited to costs of Singapore private hospitals
  • Planned overseas treatment: N.A.
  • Community hospital: As charged (up to 45 days per hospitalisation)
  • Accidental inpatient dental treatment: As charged
  • Inpatient psychiatric treatment: S$6,000 per year

Outpatient hospital treatment

  • Chemotherapy for cancer: As charged
  • Immunotherapy for cancer: As charged
  • Renal dialysis: As charged
  • Various Radiotheraphy: As charged
  • Stereotactic Radiotherapy: As charged
  • Immunosuppressants for Organ Transplant: As charged
  • Erythropoietin treatment: As charged

Key Rider Benefits

Key Rider replaces your deductibles and co-insurance with a co-payment of only 5% per claim , covering up to 95% of your total hospitalisation expenses.

Premier Rider Benefits

Premier Rider allows more accommodation for a more comfortable recovery with these benefits:

  • Accommodation expenses covered for an immediate family member
  • Post-hospitalisation traditional Chinese medicine (TCM) treatments
  • Post-hospitalisation home care
  • Emergency outpatient treatments due to accident
  • Ambulances services

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

Read AboutNo budget for financial planning?

Read About: 3 Best Integrated Shield Plans and riders (2023 Edition) *Updated*

Raffles Health Insurance Shield A may be suitable if you are looking for

Raffles Health Insurance Shield A may potentially be a good fit if the following matters to you:

  • Hospitalisation and medical insurance coverage
  • Integrated Shield Plan or Integrated Shield Plan riders
  • Reducing hospitalisation and medical expenses
  • Paying premium using MediSave Funds

Raffles Health Insurance Shield A may not be suitable if you are looking for

Raffles Health Insurance Shield A may potentially be a bad fit if the following matters to you:

  • Surrender value, Integrated Shield Plan and/or Integrated Shield Plan riders have no cash value

What is the annual premium for Raffles Health Insurance Shield A and rider based on my age?

Refer to the table below for the premium table for Raffles Health Insurance Shield A and Raffles Shield A Key Rider.

Age Raffles Shield A
(Actual Premium/ Nett premium payable after using MediSAVE)
Raffles Key Rider A
(Premium for rider must be fully paid by cash)
1S$73/ S$0S$107
6S$73/ S$0S$107
11S$73/ S$0S$107
16S$73/ S$0S$107
21S$89/ S$0S$129
26S$89/ S$0S$129
31S$112/ S$0S$138
36S$126/ S$0S$138
41S$217/ S$0S$151
46S$221/ S$0S$205
51S$349/ S$0S$234
56S$375/ S$0S$332
61S$605/ S$5S$453
66S$946/ S$346S$543
71S$1389/ S$489S$691
New application or switching of Integrated Shield Plan/ rider is not allowed after age 75.
76S$1926/ S$1,026S$875
81S$2567/ S$1,667S$1034
86S$3237/ S$2,337S$1210
91S$3720/ S$2,820S$1246
96S$4246/ S$3,346S$1353

Refer to our FAQs On Integrated Shield Plan And Riders for everything you need to know about upgrading your MediShield hospitalisation and medical treatment coverages.

Further considerations on Raffles Health Insurance Shield A

  • How much will Raffles Health Insurance Shield A premium increase as I age?
  • How does Raffles Health Insurance Shield A compare with Integrated Shield Plan and/ or Integrated Shield Plan riders from other insurance companies?
  • Can Raffles Health Insurance Shield A fulfill my financial insurance, health and protection needs?

The above information may not fully highlight all the product details and features on Raffles Health Insurance Shield A. Talk to us or seek advice from a financial adviser before making any decision about Raffles Health Insurance Shield A.

Compare across all Integrated Shield Plans and riders!

Compare before you commit so you don’t have to regret later on. Depending on your medical and hospitalisation needs, the premium payable differs across insurers. Why pay more for what you do not need or short-charge on features and benefits by paying a little more?

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Is Raffles Health Insurance Shield A suitable for me?

Contact InterestGuru using the form below. Our panel of licensed financial advisers will advise accordingly, based on your financial profile and protection needs.

All financial reviews and proposals provided are 100% free of charge. There will be no obligation to take up any proposed financial products or services in any way.

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    Integrated Shield Plan/ Rider selector

    Just 5 simple questions to get you the most suitable Integrated Shield Plan/ Rider, based on your required medical and hospitalisation requirements.

    In the event of hospitalistion/ illness, where would you like to seek treatment?

    Would you prefer your hospitalisation and medical bills fully covered?

    (Additional premium via cash will be required.)

    Do you need a daily income during the period of hospitalisation?

    (Additional premium via cash will be required.)

    Would you wish to look into additional features and benefits?

    (Additional premium via cash will be required.)

    My current Integrated Shield Plan and rider (if any) is with:

    (This allows us to know if there are potential benefits from making any changes.)

    Your basic details for us to get quotes based on your profile.

    How do we address you?


    Your Date of Birth in Day/Month/Year format:


    We can reach you at:


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    Anything else you like us to know? (Optional)


    Before you go...
    Raffles Health Insurance Shield A may be a good fit towards your current financial goals. However, there could be way more plans out there with features and/ or benefits that could be more relevant to you at a lower cost.
    Drop us a message and find out about customised options across multiple insurance companies. You deserve to get the best out of your hard-earned savings!
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