Raffles Shield A

Integrated Shield Plan by Raffles. Private insurance premium from S$100/yr, across 25 premium data points by age band. Figures are from verified official premium tables.

By MoneyAtlas Research · Verified 12 Jul 2026 · How we verify & rank

Last verified 12 Jul 2026 · 7 official sources · v21

Last verified12 Jul 2026

Data versionv21-rider-status-cleanup

Verified sources7 of 7

Figures are normalised from official insurer and government sources. Confirm against the latest illustration before any product discussion.

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Premiums by age

Age	Private insurance premium /yr	MediShield Life /yr	Est. cash outlay /yr
1-18	S$100	S$200	S$0
21-25	S$116	S$295	S$0
26-30	S$128	S$295	S$0
31-35	S$160	S$503	S$0
36-40	S$182	S$503	S$0
41-45	S$310	S$637	S$0
46-50	S$316	S$637	S$0
51-55	S$498	S$903	S$0
56-60	S$550	S$903	S$0
61-65	S$739	S$1,131	S$139
66-70	S$1,349	S$1,326	S$749
74-75	S$2,084	S$1,816	S$1,184
79-80	S$2,932	S$2,187	S$2,032
84-85	S$3,141	S$2,616	S$2,241

Show the full premium table (25 age rows)

Age band	Private insurance premium /yr	MediShield Life /yr	Est. cash outlay /yr
1-18	S$100	S$200	S$0
19-20	S$108	S$200	S$0
21-25	S$116	S$295	S$0
26-30	S$128	S$295	S$0
31-35	S$160	S$503	S$0
36-40	S$182	S$503	S$0
41-45	S$310	S$637	S$0
46-50	S$316	S$637	S$0
51-55	S$498	S$903	S$0
56-60	S$550	S$903	S$0
61-65	S$739	S$1,131	S$139
66-70	S$1,349	S$1,326	S$749
71-73	S$1,982	S$1,643	S$1,082
74-75	S$2,084	S$1,816	S$1,184
76-78	S$2,411	S$2,027	S$1,511
79-80	S$2,932	S$2,187	S$2,032
81-83	S$3,020	S$2,303	S$2,120
84-85	S$3,141	S$2,616	S$2,241
86-88	S$3,455	S$2,785	S$2,555
89-90	S$3,786	S$2,785	S$2,886
91-93	S$3,899	S$2,826	S$2,999
94-95	S$4,016	S$2,826	S$3,116
96-98	S$4,417	S$2,826	S$3,517
99-100	S$5,200	S$2,826	S$4,300
>100	S$5,200	S$2,826	S$4,300

Key benefits

Overview

Ward entitlementUp to Class A ward in public hospitals, plus Raffles Hospital

Core limits

Annual claim limitS$600,000

Core limits

Lifetime limitUnlimited

Hospitalisation

Pre-hospitalisationUp to 90 days, or 180 days for treatment by Panel or Extended Panel specialists or in restructured hospitals; as charged - MOH comparison, Jun 2026

Hospitalisation

Post-hospitalisationUp to 180 days, or 365 days for treatment by Panel or Extended Panel specialists or in restructured hospitals; as charged - MOH comparison, Jun 2026

Cost sharing

Co-insurance10% standard co-insurance before rider; may vary by panel / non-panel — see policy contract

Surgery

Surgical benefit (Table 1)$1,050

Surgery

Surgical benefit (Table 2)$2,300

Surgery

Surgical benefit (Table 3)$4,240

Surgery

Surgical benefit (Table 4)$8,220

Compatible riders

Raffles Choice RiderRaffles Key RiderRaffles Cancer Guard RiderRaffles Premier Rider

Insurer service standards (MOH)

Claims processing

1 day for a typical claim5 days or less for 3 in 4 claims (1 Jan – 31 Mar 2026); includes time to obtain medical records

Pre-authorisation

Offered — via emailTypical turnaround 3 days (target 3 days)

Service figures are published by the Ministry of Health for Raffles Health as an insurer (all its IP plans), not for this plan specifically. See MOH’s comparison page.

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Raffles Raffles Shield Afigures are indicative, for comparison and education only, based on the insurer’s published premium table. Actual premiums, eligibility, MediSave-payable portion and benefits depend on your age, citizenship/residency, underwriting and the current policy contract. This page does not rank plans or recommend a product. Confirm with Raffles or a licensed financial adviser before any decision.