MoneyAtlas
For advisersAdviser login
Compare Integrated Shield Plans › Raffles
Raffles · MediSave / Standard

Raffles Shield Standard

Integrated Shield Plan by Raffles. Private insurance premium from S$55/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.

Spotted a figure that looks wrong or out of date? Report a data error— we’ll check it and correct it openly.

Premiums by age

AgePrivate insurance premium /yrMediShield Life /yrEst. cash outlay /yr
1-18S$55S$200S$0
21-25S$68S$295S$0
26-30S$68S$295S$0
31-35S$88S$503S$0
36-40S$88S$503S$0
41-45S$155S$637S$0
46-50S$180S$637S$0
51-55S$204S$903S$0
56-60S$237S$903S$0
61-65S$400S$1,131S$0
66-70S$576S$1,326S$0
74-75S$1,083S$1,816S$183
79-80S$1,478S$2,187S$578
84-85S$1,749S$2,616S$849
Show the full premium table (25 age rows)
Age bandPrivate insurance premium /yrMediShield Life /yrEst. cash outlay /yr
1-18S$55S$200S$0
19-20S$55S$200S$0
21-25S$68S$295S$0
26-30S$68S$295S$0
31-35S$88S$503S$0
36-40S$88S$503S$0
41-45S$155S$637S$0
46-50S$180S$637S$0
51-55S$204S$903S$0
56-60S$237S$903S$0
61-65S$400S$1,131S$0
66-70S$576S$1,326S$0
71-73S$904S$1,643S$4
74-75S$1,083S$1,816S$183
76-78S$1,388S$2,027S$488
79-80S$1,478S$2,187S$578
81-83S$1,712S$2,303S$812
84-85S$1,749S$2,616S$849
86-88S$2,201S$2,785S$1,301
89-90S$2,405S$2,785S$1,505
91-93S$2,630S$2,826S$1,730
94-95S$2,865S$2,826S$1,965
96-98S$2,921S$2,826S$2,021
99-100S$3,224S$2,826S$2,324
>100S$3,224S$2,826S$2,324

Key benefits

Overview
Ward entitlementUp to Class B1 ward in public hospitals (MOH Standard plan)
Core limits
Annual claim limitS$200,000
Core limits
Lifetime limitUnlimited
Hospitalisation
Pre-hospitalisationNot covered under the standardised Standard IP benefit schedule - MOH comparison, Jun 2026
Hospitalisation
Post-hospitalisationNot covered under the standardised Standard IP benefit schedule - MOH comparison, Jun 2026
Cost sharing
Co-insurance10% standard co-insurance before rider; may vary by panel / non-panel — see policy contract

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.

Community reviews

No reviews yet. Been on this plan? Be the first to share your experience.

Reviews are individual opinions submitted by the public and may be biased or not reflect your experience. They are moderated for spam and abuse, not fact-checked, and are separate from our source-backed data and the balanced take above.

Speak to an adviser about this plan

An adviser can help you:

  • Model this plan against your age, budget and hospital-bill scenarios
  • Weigh rider co-payment, MediSave usage and the lifetime premium trajectory
  • Compare it side by side with alternatives before you switch or buy
Speak to an adviser →

Are you an adviser? This is the simple public version. Join AdvisorOS for the advanced calculators, AI-assisted client reviews and the full workspace behind these tools.

Raffles Raffles Shield Standardfigures 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.