Raffles Shield Private

Integrated Shield Plan by Raffles. Private insurance premium from S$279/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$279	S$200	S$0
21-25	S$296	S$295	S$0
26-30	S$361	S$295	S$61
31-35	S$459	S$503	S$159
36-40	S$471	S$503	S$171
41-45	S$1,104	S$637	S$504
46-50	S$1,236	S$637	S$636
51-55	S$1,734	S$903	S$1,134
56-60	S$2,169	S$903	S$1,569
61-65	S$2,930	S$1,131	S$2,330
66-70	S$4,307	S$1,326	S$3,707
74-75	S$6,337	S$1,816	S$5,437
79-80	S$8,836	S$2,187	S$7,936
84-85	S$9,464	S$2,616	S$8,564

Show the full premium table (25 age rows)

Age band	Private insurance premium /yr	MediShield Life /yr	Est. cash outlay /yr
1-18	S$279	S$200	S$0
19-20	S$279	S$200	S$0
21-25	S$296	S$295	S$0
26-30	S$361	S$295	S$61
31-35	S$459	S$503	S$159
36-40	S$471	S$503	S$171
41-45	S$1,104	S$637	S$504
46-50	S$1,236	S$637	S$636
51-55	S$1,734	S$903	S$1,134
56-60	S$2,169	S$903	S$1,569
61-65	S$2,930	S$1,131	S$2,330
66-70	S$4,307	S$1,326	S$3,707
71-73	S$5,486	S$1,643	S$4,586
74-75	S$6,337	S$1,816	S$5,437
76-78	S$7,543	S$2,027	S$6,643
79-80	S$8,836	S$2,187	S$7,936
81-83	S$9,100	S$2,303	S$8,200
84-85	S$9,464	S$2,616	S$8,564
86-88	S$10,411	S$2,785	S$9,511
89-90	S$11,174	S$2,785	S$10,274
91-93	S$11,509	S$2,826	S$10,609
94-95	S$11,855	S$2,826	S$10,955
96-98	S$12,210	S$2,826	S$11,310
99-100	S$12,334	S$2,826	S$11,434
>100	S$12,334	S$2,826	S$11,434

Key benefits

Overview

Ward entitlementUp to single-bed ward in private hospitals

Core limits

Annual claim limitS$1,500,000 (panel) / S$600,000 (non-panel)

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)$590

Surgery

Surgical benefit (Table 2)$1,800

Surgery

Surgical benefit (Table 3)$3,290

Surgery

Surgical benefit (Table 4)$5,970

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 Privatefigures 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.