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.

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.

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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

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.

Is Raffles Health Insurance Shield A suitable for me?

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