Raffles Shield 

When it comes to health insurance, one size doesn’t fit all. We believe in partnering you to find a solution that suits your healthcare and financial needs.

Raffles Shield is a Medisave-approved Integrated Shield Plan (IP) that provides coverage for hospital and surgical expenses. It comprises of MediShield Life, a national health insurance plan, which is administered by the Central Provident Fund Board and an additional private insurance coverage administered by Raffles Health Insurance, which enhances the basic coverage provided by MediShield Life.

Benefits at a Glance


Start with a lower plan and upgrade later without underwriting

A Guaranteed Upgrade feature allows you to start with a Raffles Shield B plan and upgrade to a Raffles Shield A plan within the next 5 years, without underwriting.


Health insurance that offers an affordable Raffles Hospital option 

Want to secure a quicker admission but not prepared to pay high premiums for a private plan? Individuals who wish to have access to private hospitals for a lower price tag can choose a plan with coverage at all Government Restructured Hospitals and Raffles Hospital.

Health insurance that protects your children

Should death or total & permanent disability strike while a mother or father is financing their child’s plan, RHI will waive the additional private insurance premiums of the IP and ensure the child’s coverage continues.

Health insurance that gives you flexibility to manage your coverage and premiums


Policyholders can choose a High Deductible Option which comes with lower premiums. Policyholders can choose to revert to the lower deductible any time in future without underwriting.

Health insurance with optional flexible riders to enhance one’s Raffles Shield plan


From reducing out-of-pocket expenses to additional benefits such as traditional Chinese medicine and home care, Raffles Shield’s Key and Premier Riders offer policyholders additional assurance.

Health insurance that partners you to manage your chronic conditions

RHI will consider providing coverage to individuals with diabetes, hypertension and high cholesterol. Through the Raffles Care Management Programme we will work with policyholders towards improving their conditions.

Health insurance with a Specialist Network

Policyholders will have access to a panel of specialists across a wide range of specialties and from all private hospitals in Singapore. We will also assist policyholders with specialist appointment bookings and healthcare advice.


Enjoy greater coverage by stacking what you need

Raffles Shield Stacking Benefits

Premier Rider provides greater benefits such as immediate family accommodation and Traditional Chinese Medicine 

Key Rider replaces your IP deductible and co-insurance with a 5% co-payment. Co-payment is capped at $3,000 for pre-authorised treatments.

Raffles Hospital Option allows you to enjoy Raffles Hospital Treatment without paying the full Private Premiums.

High Deductible Option gives you flexibility in managing your coverage and premiums.

Raffles Shield complements Medi​Shield Life coverage with additional insurance coverage administered by RHI

MediShield Life provides basic coverage for all Singapore Citizens and Singapore Permanent Residents and is administered by the CPF Board.


Our Raffles Health Advisor

We understand the importance of being there for you when you need us. It is our goal to make the claim process as seamless as possible. That’s why we have a team of Raffles Health Advisors, who are ready to assist you and reduce your hassle. 

Search for a doctor

You can go online or call our helpline and our Raffles Health Advisors will help you find a specialist on our panel and make an appointment with the doctor of your choice within 24 hours.

Obtain pre-authorisation of treatment

If you choose to seek treatment from a non-panel doctor, our Raffles Health Advisors will help you in getting the treatment authorised prior to your hospital admission to ensure a smooth claim procedure. 

Facilitate in the enrollment of the Raffles Care Management Programme

If you are required to enroll into the Raffles Care Management Program, our Raffles Health Advisors will coordinate with our partnered Raffles Medical Primary Care Network (PCN) to help you register in the program and arrange your doctor'sappointments.

Answer questions about your plan

Should you have any questions with respect to your coverage, our Raffles Health Advisors are ready to assist you. 

Provide you with health and medical related information

As part of the Raffles Medical Group, our Raffles Health Advisors have access to a wealth of healthcare information which can be shared with you.

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Benefits Table

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Premium List

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These insurance plans are underwritten by Raffles Health Insurance Private Limited (Reg. No. 200413569G). All insurance applications are subjected to our underwriting and acceptance.

These information is for reference only and is not a contract of insurance. Please refer to the exact terms and conditions, premiums, specific details and exclusions downloaded from our website or consult our Raffles Health Advisors. Premium rates are not guaranteed and are expected to be adjusted from time to time, as long as we give you 30 days’ notice.

Buying health insurance products that are not suitable for you may impact your ability to finance your future healthcare needs. You are strongly recommended to speak with a qualified Raffles Health Advisor. You may arrange for an appointment with our Raffles Health Advisors simply by contacting us at our hotline or email, you can also leave your contact details on our website for us to call you back.

This policy is protected under the Policy Owners’ Protection Scheme which is administered by the Singapore Deposit Insurance Corporation (SDIC). Coverage for your policy is automatic and no further action is required from you. For more information on the type of benefits that are covered under the scheme as well as the limits of coverage, where applicable, please visit SDIC website.

Information is correct as of 27th June 2018