Raffles Health Insurance Shield A Review

Last updated: 17 May 2026

⚠️ Updated April 2026: Raffles Health Insurance has launched the new Raffles Choice Rider from 1 April 2026, replacing the old Raffles Key Rider. The new rider is approximately 50% cheaper in premiums but policyholders must now pay the deductible ($1,500–$3,500) out of pocket. Read our complete guide on the April 2026 ISP rider changes.

Raffles Shield is a MediSave-approved Integrated Shield Plan that complements MediShield Life, giving you access to better ward classes and more comprehensive hospitalisation coverage without worrying about rising medical costs.

Raffles Health Insurance Shield A Product Details

• Non-participating policy – Integrated Shield Plan
• Covers as charged for public hospital Class A wards and below
• 70% proration if stay at Raffles Hospital
• Premium waiver for child if the unexpected occurs with the parent (until child is 21 years old)
• 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
• Enhanced Pregnancy Complications Benefit from April 2026, expanded coverage to include serious pregnancy and delivery complications as listed on the MOH website

Read About: Integrated Shield Plan: 4 Things You Should Be Aware Of

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

Features of Raffles Shield A at a Glance

Based on the highest coverage option, 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 Radiotherapy: As charged
• Stereotactic Radiotherapy: As charged
• Immunosuppressants for Organ Transplant: As charged
• Erythropoietin treatment: As charged

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

Read About: Best Integrated Shield Plans Singapore 2026: Top 3 ISPs Compared

Raffles Shield Rider Options (Updated April 2026)

Raffles Health Insurance offers three riders to complement Raffles Shield:

Raffles Choice Rider (New from April 2026) The new Raffles Choice Rider replaces the old Raffles Key Rider from 1 April 2026, complying with MOH’s new ISP rider requirements:

• Co-payment is capped at $6,000 per policy year for treatment by panel/extended panel specialists or Government Restructured Hospitals (GRH)
• No cap on co-payment for non-panel or non-GRH specialists and cancer treatments not on the Cancer Drug List
• Approximately 50% cheaper in premiums compared to old Raffles Key Rider
• Deductible ($1,500–$3,500) must be paid out of pocket — not covered by this rider
• No additional underwriting required when transitioning from old Raffles Key Rider

Raffles Premier Rider

• Premium rates remain unchanged from April 2026
• Covers accommodation expenses for an immediate family member
• Post-hospitalisation Traditional Chinese Medicine (TCM) treatments
• Post-hospitalisation home care
• Emergency outpatient treatments due to accident
• Ambulance services

Raffles Cancer Guard Rider

• Premium rates remain unchanged from April 2026
• Additional cancer coverage beyond the standard Cancer Drug List

What happened to the old Raffles Key Rider? The Raffles Key Rider is no longer available for purchase from 1 April 2026. If you purchased the Raffles Key Rider between 27 November 2025 and 31 March 2026, you will be transitioned to the new Raffles Choice Rider upon your next policy renewal from 1 April 2028. If you purchased the Raffles Key Rider before 27 November 2025, there is no immediate impact — your existing rider continues under current terms.

For a full breakdown of the April 2026 changes, read our complete ISP rider changes guide.

Raffles 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 up to Class A wards in public hospitals
• An affordable ISP option with lower premiums than private hospital plans
• Access to Raffles Hospital at a 70% proration rate
• Premium waiver for your child’s coverage in the event of your death or total permanent disability
• Paying premiums using MediSave funds
• Expanded pregnancy complications coverage (updated April 2026)

Raffles 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:

• Access to private hospitals — Raffles Shield A covers Class A wards in public hospitals only
• Near-zero out-of-pocket hospitalisation costs — the new Raffles Choice Rider requires you to pay the deductible ($1,500–$3,500) out of pocket
• Cash value or surrender value — Integrated Shield Plans have no cash value
• Planned overseas medical treatment — this is not covered under Raffles Shield A

Further Considerations on Raffles Shield A

• How much will Raffles Shield A premiums increase as I age?
• Should I switch to the new Raffles Choice Rider or keep my existing Raffles Key Rider?
• How does Raffles Shield A compare with Integrated Shield Plans from other insurers?
• Can Raffles Shield A and its riders fulfill my health and protection needs?

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

Is Raffles Shield A Suitable for Me?

Not sure if Raffles Shield A is the right ISP for you? Compare it against other integrated shield plans in Singapore.

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