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Raffles Shield Integrated Shield Plan

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  • Reviews (81)
  • Discussions (0)
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Health Insurance/Raffles Shield Integrated Shield Plan
Health Insurance/Raffles Shield Integrated Shield Plan
claimed

Claimed

This product is managed by Raffles Health Insurance.

USER RATINGS

Ease of Claim

4.4

Agent Reliability

4.7

Application Process

4.6

Plans (5)

Slide 1 of 5
  • Raffles Shield Integrated Shield Plan Private

    $1,500,000

    LIMIT PER POLICY YEAR

    180 / 365 days

    PRE & POST HOSPITAL

    As Charged

    OUTPATIENT BENEFITS

    Private Hospital

    WARD ENTITLEMENT

  • Raffles Shield Integrated Shield Plan A

    $600,000

    LIMIT PER POLICY YEAR

    180 / 365 days

    PRE & POST HOSPITAL

    As Charged

    OUTPATIENT BENEFITS

    A Class and below

    WARD ENTITLEMENT

  • Raffles Shield Integrated Shield Plan B

    $300,000

    LIMIT PER POLICY YEAR

    90 / 90 days

    PRE & POST HOSPITAL

    As Charged

    OUTPATIENT BENEFITS

    B Class and below

    WARD ENTITLEMENT

  • Raffles Shield Integrated Shield Plan Standard

    $150,000

    LIMIT PER POLICY YEAR

    N/A

    PRE & POST HOSPITAL

    Subject to Treatment

    OUTPATIENT BENEFITS

    B Class and below

    WARD ENTITLEMENT

  • Raffles Integrated Shield Plan A + Raffles Hospital Option

    $600,000

    LIMIT PER POLICY YEAR

    180 / 365 days

    PRE & POST HOSPITAL

    As Charged

    OUTPATIENT BENEFITS

    All wards at Raffles Hospital

    WARD ENTITLEMENT

Raffles Shield Integrated Shield Plan Private

$1,500,000

LIMIT PER POLICY YEAR

180 / 365 days

PRE & POST HOSPITAL

As Charged

OUTPATIENT BENEFITS

Private Hospital

WARD ENTITLEMENT

Details

Product Page Transparency

  • Claimed in October 2020

Raffles Shield Health Insurance Review 2021

Some highlights of the Raffles Shield Health Insurance:

  • Raffles Shield Health Insurance is an Integrated Shield Plan, which is an additional cover on top of your MediShield Life.
  • 4 tiers of plans, ranging from cheapest to most premium: Standard, Shield B, Shield A, and Shield Private
  • Benefits range from standard 100% coverage on B1 class wards in public hospitals all the way to Single Bed Class wards in private hospitals
  • Most outpatient and inpatient treatments covered as charged
  • at least 50% coverage in Raffles Private Hospital
  • Policy Year Limit is S$150,000 to S$1,500,000
  • Additional Riders applicable for Raffles Shield Private, Shield A and Shield B.
  • Overall, RHI is said to offer competitive premiums for this comprehensive level of coverage
Read More about Raffles Shield Integrated Shield Plan
Reviews (81)

4.5

81 Reviews

  • 5
    48
  • 4
    25
  • 3
    6
  • 2
    2
  • 1
    0

Read Review About...

    Most HelpfulMost RecentLow to HighHigh to Low
      05 Feb 2021

      Purchased

      Raffles Shield Integrated Shield Plan Private

      [Insurance Coverage] good insurance coverage as compared to other providers for babies. competitive pricing [Customer Service] dedicated agent, not pushy

      1

      Raffles Health Insurance

      Raffles Health Insurance

      05 Feb 2021

      Hi Zoey, thank you for your kind review! Glad that you had a positive experience with us :)

      Reply

      03 Feb 2021

      Purchased

      Raffles Shield Integrated Shield Plan Private

      [Customer Service] Nice person able to reply fast . Hope claim Process would be smooth also . Will get more policy from him

      2

      Hi Peter, thank you for your support! Unfortunately there isn't other types of plans we can explore from Raffles now which may be suitable for your needs. I'll be sure to keep you updated as we expand our inventories. Meanwhile, if you have other friends who might be keen to look into Raffles Shield, please continue to guide them to me. 😁

      Raffles Health Insurance

      Raffles Health Insurance

      04 Feb 2021

      Hi Peter, thank you for your kind review! Glad that you had a positive experience with us :)

      Reply

      02 Feb 2021

      Purchased

      Raffles Shield Integrated Shield Plan Private

      Competitive pricing, affordable premium for the same benefits as other IP. Fast turnaround and responsive CRM.

      1

      Raffles Health Insurance

      Raffles Health Insurance

      02 Feb 2021

      Hi Wai Hoh, thank you for your kind review! Glad that you had a positive experience with us :)

      Reply

      02 Feb 2021

      Purchased

      Raffles Shield Integrated Shield Plan A

      [Agent Responsiveness] she is responsive to my queries when I made queries via whatapps. Service level can be improved further.

      1

      Hi Jane, thank you for your review. We apologise for the less than satisfactory experience. We will definitely take your feedback into consideration for further improvement in our services.

      Reply

      01 Feb 2021

      Purchased

      Raffles Integrated Shield Plan A + Raffles Hospital Option

      The process having to provide additional information on conditions dating to ~15 years ago was an onerous one. Took me months and visits to my GP and others out of my own pocket to finally overcome the barriers, If not for the good product and a helpful agent, I would have simply given up.

      1

      Hi Ric, thank you for your review. We apologise for the less than satisfactory experience. We will definitely take your feedback into consideration for further improvement in our services.

      Reply

    Discussions (0)
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      Raffles Shield Plan Health Insurance at a Glance

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

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

      Benefits:

      • Benefits range from standard 100% coverage on B1 class wards in public hospitals all the way to Single Bed Class wards in private hospitals
      • From Shield B onwards, most outpatient and inpatient treatments are covered as charged
      • Pre and Post-hospitalisation treatments covered up to 1 year.
      • Inpatient Psychiatric Treatment, Inpatient Dental Treatment covered
      • Chemotherapy, Kidney Dialysis and Immunotherapy can be claimed as charged.
      • at least 50% coverage in Raffles Private Hospital
      • Policy Year Limit is S$300,000 to S$1,500,000 (excluding Standard Plan)
      • Additional Riders applicable for Raffles Shield Private, Shield A and Shield B.
      • 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.
      • Raffles Shield offers Good competitive cost for an in-depth level of coverage of an Integrated Shield Plan
      • Raffles Shield also provides multiple add-ons to customise your plan according to your preferences

      What Does Raffles Shield Health Insurance Cover?

      Benefit Description

      Shield Standard

      Shield B

      Shield A

      Shield Private

      Ideal for

      Basic Top Up to MediShield Life Insurance

      Increasing MediShield Life Yearly Limit

      Gaining Better Access to A Class Wards in Public Hospitals

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

      Eligibility

      Only for Singaporean Citizen or Permanent Resident

      Only for Singaporean Citizen or Permanent Resident

      Only for Singaporean Citizen or Permanent Resident

      For all Singaporean citizen or Permanent Resident and Foreigners

      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

      Inpatient Treatment and Day Surgery Benefits

      Different treatments have different limitations

      (All standard plans have the same financial parameters across all insurers)

      as Charged

      as Charged

      as Charged

      Outpatient Treatment

      • Kidney Dialysis: $2,750 /month
      • Chemotherapy: $5,200 /month

      as charged

      as charged

      as charged

      Pre-Hospitalisation Treatment

      β˜“

      As charged up to 90 days

      • As Charged up to 180 days for treatment by Panel Specialist or Government Restructured Hospital (GRH)
      • As charged up to 90 days in other private hospitals
      • As Charged up to 180 days for treatment by Panel Specialist or GRH
      • As charged up to 90 days in other private hospitals

      Post-Hospitalisation Treatment

      β˜“

      As charged up to 90 days

      • As Charged up to 365 days for treatment by Panel Specialist or GRH
      • As charged up to 180 days in other private hospitals
      • As Charged up to 365 days for treatment by Panel Specialist or GRH
      • As charged up to 180 days in other private hospitals

      Major Organ Transplant

      Covered under Inpatient Hospital Treatment

      As Charged

      As Charged

      As Charged

      Emergency Overseas Medical Treatment

      β˜“

      As Charged
      (limited to Singapore GRH Ward B1 charges)

      As Charged
      (limited to Singapore GRH Ward A charges)

      As Charged
      (limited to Panel Specialist charges and subject to ProRation Factor)

      Pregnancy Complications Benefit

      Covered up to MediShield Life Benefits

      As Charged
      (10 months Waiting Period)

      As Charged
      (10 months Waiting Period)

      As Charged
      (10 months Waiting Period)

      Special Riders for Raffles Shield Health Insurance

      Choosing Raffles Shield Private, Raffles Shield A or Raffles Shield B allows you to further customise your plans with these options:

      • Raffles Hospital Option
        Get 100% coverage at Raffles Hospital, across all wards.
        This rider allows you to enjoy Raffles Hospital Treatment without paying the full premiums for private wards only plans.
        Only available for Shield A, which means you can enjoy some Raffles Shield Private's benefits at a lower premium of Shield A + Rider
        Payable via Medisave up to CPF additional withdrawal limits.

      What is special about Raffles Shield's Raffles Hospital Add-On Option?

      If you're looking for a private hospital level of care, Raffles Shield offers an interesting rider on top of their Raffles Shield A Plan (which is a ward Class A plan). This is their Raffles Hospital Add-On which allows you to enjoy the comforts of a private hospital ward entitlement at a much lower than market average price. This entitlement will only be available for hospitalisations at Raffles Hospitals. However, the Raffles Shield A + Raffles Hospital Add-on combo still maintains the same level of coverage parameters as the regular Raffles Shield A. Your policy yearly limit and other coverages are not changed with the add on.

      • High Deductible Option
        Gives you lower premiums for higher deductibles. This Increases the Deductible applicable to $10,000. Available with all plans except Raffles Shield Standard plan and plans with the Key Rider added.
      • Key Rider
        Replace the deductible and co-insurance with a 5% co-payment on every claim
      • Premium Rider (For additional benefits)
        - Accommodation expenses for an Immediate Family Member
        - Post-Hospitalisation Traditional Chinese Medicine
        - Post-hospitalisation home care
        - Emergency outpatient treatment due to accident
        - Ambulance services

      How much does Raffles Shield Health Insurance cost?

      To help you compare health insurance quotes for integrated shield health insurance plans in Singapore, here's a chart of premiums for Raffles Shield.

      Assuming the profile of the buyer is a Singaporean or PR, here are MediSave deductible premiums across 3 age groups

      Age

      Raffles Shield Private

      Raffles Shield A + Raffles Hospital Add-on

      Raffles Shield A

      Raffles Shield B

      25

      S$413/ per year

      S$352/ per year

      S$284/ per year

      S$254/ per year

      35

      S$649/ per year

      S$533/ per year

      S$422/ per year

      S$393/ per year

      45

      S$972/ per year

      S$771 / per year

      S$652 / per year

      S$561 / per year

      Best Integrated Shield Plans Compared: Is Raffles Shield Worth It?

      In short, yes Raffles Shield is incredibly worth your money. Across Plans Class A and Class B, Raffles Health Insurance offers some of the most competitive pricing for their Integrated Shield Plans, from age 25 to 45. It also has one of the most competitive premiums for those seeking the comforts of private hospital ward entitlements.

      As mentioned above, Raffles Shield provides an attractive rider combo ideal for individuals looking for the cheapest private hospital Integrated Shield Plan. However, Raffles Health Insurance's original private hospital plan - Raffles Shield Private - is much pricier compared to others.

      Standard Integrated Shield Plan Premiums for age 25 to 45

      Considering the prices of Standard Integrated Shield Plans, Individuals seeking for Standard IPs might want to try other cheaper Standard IP providers like Great Eastern or Prudential.

      Exclusions

      There are certain conditions under which no benefits are payable some of these exclusions include:

      • Pre-existing illness
      • Serious illness
      • Congenital disease
      • Organ transplant
      • Dental treatment or surgery
      • Eye / ear examination, correction, aids
      • Overseas treatment
      • Psychological disorders, personality disorders, mental conditions, etc.;
      • Pregnancy and fertility treatments
      • Sexually Transmitted Diseases (STDs), Human Immunodeficiency Virus (HIV), Acquired Immune Deficiency Syndrome (AIDS)

      Get a Quote for Raffles Shield Health Insurance Plan

      • Visit Raffles Health Insurance website for more details on the coverage, exclusions, and quote

      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.

      Contact us at [email protected] should you require any assistance or spot any inaccuracies