Raffles Health Insurance Raffles Shield Reviews and Comparison - Seedly
 

Raffles Health Insurance Raffles Shield

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Health Insurance/Raffles Health Insurance Raffles Shield

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About Raffles Health Insurance

Incorporated in 2004, Raffles Health Insurance commenced operations as a general insurer in 2005 and converted into a life insurer in 2006. As a wholly subsidiary of the Raffles Medical Group, it has access to a wide network of family medicine clinics and tertiary private hospital, Raffles Hospital, in providing a more cohesive and fully integrated health care for the public.

Read More about Raffles Health Insurance Raffles Shield
Reviews (1)

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application process

process slower

slower cheapest

cheapest health

health insurance

insurance provider

provider health

insurance platform

platform risk

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  • Posted on 12 Oct 2019
    Although their application process is slightly slower, they are one of the cheapest health insurance provider. I believe that is because they are new in the health insurance platform and they don't have as much risk in their portfolio compared to the others. What also drew my attention is that they are currently having a promotion to lock in your premiums for the next 3 years if you apply with them now till end of October.
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About Cigna Individual Health Insurance

Overall benefits include:

  • Raffles Hospital Option
    Allows you to enjoy Raffles Hospital Treatment without paying the full private premiums. Payable via Medisave up to CPF additional withdrawal limits.
  • High Deductible Option
    This option complements your company’s benefits, resulting in no coverage overlaps and thus, even more savings. Payable via Medisave up to CPF additional withdrawal limits.
  • Protecting Your Child
    In the unfortunate case of death or total permanent disability of payor, RHI will waive the additional private insurance premiums of the IP and ensure that the child’s coverage continues.
  • Guaranteed Upgrade

There are 4 types of plans that may suit your needs:

  1. Shield Standard
  2. Shield B
  3. Shield A
  4. Shield Private

Benefit Description

Shield Standard

Shield B

Shield A

Shield Private

Top Up to MediShield Life Insurance

Triple MediShield Life Yearly Limit

Gain Better Access to a Class Wards in Public Hospitals

Get everything taken care of - including access to all private hospitals

Eligibility

For all Singaporean citizen or Permanent Resident and Foreigners

Only for all Singaporean citizen or Permanent Resident

Only for all Singaporean citizen or Permanent Resident

Only for all Singaporean citizen or Permanent Resident

Policy Year Limit

S$150,000

S$300,000

S$600,000

S$600,000 (out-panel treatment) and S$1,500,000 (in-panel treatments)

Ward Entitlement

  • 100% coverage on B1 class hospitals
  • 50% coverage in Raffles Private Hospitals
  • 100% coverage up to B1 class wards in public hospitals
  • 100% coverage up to A class wards in public hospitals
  • 70% proration at Raffles Hospital
  • 100% coverage up to single bed class wards in private hospitals

Benefits

Increased coverage on inpatient and outpatient treatments

  • Waiver of premium for insured (Child)
  • Pre- and Post- Hospitalisation Treatments as charged (90 days)
  • Possibility to tailor make your plan
  • Waiver of premium for insured (Child)
  • Pre-Hospitalisation Treatments (Up to 180 days) and Post-Hospitalisation Treatments as charged (Up to 365 days)
  • Possibility to tailor make your plan
  • Waiver of premium for insured (Child)
  • Pre-Hospitalisation Treatments (Up to 180 days) and Post-Hospitalisation Treatments as charged (Up to 365 days)
  • Possibility to tailor make your plan

Optional Riders

N/A

High Deductible Option or Key Rider, Premier Rider

Raffles Hospital Option, High Deductible Option or Key Rider, Premier Rider

High Deductible Option or Key Rider, Premier Rider

Summary of Key Benefits