Raffles Shield Integrated Shield Plan
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Raffles Shield Integrated Shield Plan
Raffles Shield Integrated Shield Plan
This product is managed by Raffles Health Insurance.
Summary
Product Page Transparency
Some highlights of the Raffles Shield Health Insurance:
Popular Products
4.4
303 Reviews
3.9
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4.7
6 Reviews
Summary
Product Page Transparency
Some highlights of the Raffles Shield Health Insurance:
Plans (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
4.5
82 Reviews
Service Rating
Ease of Claim
Agent Reliability
Application Process
High to Low
05 Feb 2021
Purchased
Raffles Shield Integrated Shield Plan Private
1
Raffles Health Insurance
05 Feb 2021
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03 Feb 2021
Purchased
Raffles Shield Integrated Shield Plan Private
2
Raffles Health Insurance
04 Feb 2021
Hi Peter, thank you for your kind review! Glad that you had a positive experience with us :)
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02 Feb 2021
Purchased
Raffles Shield Integrated Shield Plan Private
1
Raffles Health Insurance
02 Feb 2021
Hi Wai Hoh, thank you for your kind review! Glad that you had a positive experience with us :)
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01 Feb 2021
Purchased
Raffles Shield Integrated Shield Plan Private
1
Hi Ken, thank you for your kind review! Glad that you had a positive experience with us :)
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29 Jan 2021
Purchased
Raffles Shield Integrated Shield Plan Private
1
Hi Radhytia, thank you for your kind review! Glad that you had a positive experience with us :)
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26 Jan 2021
Purchased
Raffles Integrated Shield Plan A + Raffles Hospital Option
3
Sure!
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25 Jan 2021
Purchased
Raffles Shield Integrated Shield Plan Private
1
Hi Subhodeep Kundu, thank you for your kind review! Glad that you had a positive experience with us :)
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23 Jan 2021
Purchased
Raffles Integrated Shield Plan A + Raffles Hospital Option
1
Hi Aamir, thank you for your kind review! Glad that you had a positive experience with us :) We will definitely take your suggestion into consideration for improvement of our customers experience with us.
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18 Jan 2021
Purchased
Raffles Shield Integrated Shield Plan Private
2
Hi YX, thank you for your kind review! Glad that you had a positive experience with us and RMG :) Wishing you and your family good health always!
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18 Jan 2021
Purchased
Raffles Shield Integrated Shield Plan Private
1
Hi Joey, thank you for your kind review! Glad that you had a positive experience with us :)
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Popular Products
4.4
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There are 4 types of plans that may suit your needs:
Benefits:
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 |
|
|
|
|
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 |
| as charged | as charged | as charged |
Pre-Hospitalisation Treatment | ☓ | As charged up to 90 days |
|
|
Post-Hospitalisation Treatment | ☓ | As charged up to 90 days |
|
|
Major Organ Transplant | Covered under Inpatient Hospital Treatment | As Charged | As Charged | As Charged |
Emergency Overseas Medical Treatment | ☓ | As Charged | As Charged | As Charged |
Pregnancy Complications Benefit | Covered up to MediShield Life Benefits | As Charged | As Charged | As Charged |
Choosing Raffles Shield Private, Raffles Shield A or Raffles Shield B allows you to further customise your plans with these options:
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.
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 |
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.
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.
There are certain conditions under which no benefits are payable some of these exclusions include:
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
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Hi Zoey, thank you for your kind review! Glad that you had a positive experience with us :)