Health Insurance That Offers You More Options? Of Course. · Living Donor Organ Transplant...
Transcript of Health Insurance That Offers You More Options? Of Course. · Living Donor Organ Transplant...
Health Insurance That Offers You More Options?
RAFFLES SHIELD
A MEMBER OF RAFFLES MEDICAL GROUP
Of Course.
2
Upgrade your plan within 5
years, without underwriting.
In the unfortunate case of death or total or
permanent disability of a parent paying for a child’s
policy, RHI will waive the additional private
insurance premiums of the IP and ensure that
the child’s coverage continues.
Choose a High Deductible Option1 which comes with lower premiums.
Health Insurance
That Fits Your Healthcare
AND Financial Needs?
Health Insurance
That Protects Children Too?
Health Insurance That Complements
Your Company’s Benefits?
Of Course.
Of Course.
Of Course.
2
3
Choose the Raffles Hospital Option that lets you enjoy private
hospital facilities while paying lower private
premiums. Together with medical doctors, we will partner with individuals with chronic conditions2
(ie. diabetes, hypertension and high cholesterol) to
manage their health.
Policyholders will have access to a
panel of specialists across a wide range of
specialties.
Health Insurance That Offers Access
To A Private Hospital At A
Lower Price Tag?
Health Insurance That Partners
With You To Manage
Your Chronic Conditions?
Health Insurance With A Specialist
Network ?
Of Course.
Of Course.
Of Course.
3
4
Raf es Ho
spital O
ption
Basic Coverage – MediShield Life
Private Insurance Co
verage – Raf es Shield
Key Rider High D
eductible Option
Prem
ier Rid
er
Rafes Shield complements MediShield Life
High Deductible Option
complements your company’s benefits,
resulting in no coverage overlaps and thus, even more savings
Rafes Hospital Option allows you to enjoy Raffles Hospital Treatment
without paying the full Private Premiums
Key Rider replaces your Raffles Shield deductible and
co-insurance with a 5% co-payment
Premier Rider provides you with greater benefits such as
Immediate Family Accommodation and Post-Hospitalisation Traditional Chinese Medicine
Of Course.
A Plan That Adapts To Your Needs?
MediShield Life provides basic coverage for all Singapore Citizens
and Singapore Permanent Residents and is administered by the CPF Board
5
Of Course.
Always There For You?
Need An Appointment With Specialists? We will assist you with specialist appointment bookings and healthcare advice.
Need Pre-Authorisation Of Treatment? We will help you in getting the treatment authorized prior to your hospital admission to ensure a smooth claim procedure.
Need To Enroll In The Rafes Care Management Programme? We will coordinate with the Raffles Medical Primary Care Network (PCN) to help you register in the programme and arrange your doctor’s appointments.
Need Personal Assistance? Should you have any questions with respect to your coverage, claims or appointments, we are ready to assist you.
Need More Information Regarding Healthcare? We have access to a wealth of healthcare information which we can share with you.
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Rafes Shield A
Rafes Shield Private
Inpatient Treatm
ent
Daily Room & Board and Medical-related Services5
As Charged
As Charged
As Charged (Up To 45 days Per
Hospitalisation)
As Charged (Up To 45 days Per
Hospitalisation)
$8,000 / Year (Incl. Post-Hospitalisation
Psychiatric Treatment)
$6,000 / Year (Incl. Post-Hospitalisation
Psychiatric Treatment)
As Charged
As Charged
Intensive Care Unit (ICU) and Medical-related Services
Surgical Benefits6
Surgical Implants and Approved Medical Consumables7
Gamma Knife and Novalis Radiosurgery
Community Hospital8
Inpatient Psychiatric Treatment
Accidental Inpatient Dental Treatment
Benefit Schedule(Payout Includes MediShield Life Payout)
Citizenship Status3 (Based on Pro-Ration Factors4) SC/PR/FR SC/PR
7
Rafes Shield A
Rafes Shield Private
Ad
ditio
nal Benefi
ts
As Charged
As Charged(Up To 180 Days For
Treatment By Panel10
Or Government Restructured Hospital (GRH), Up To 90 Days
In Other Private Hospitals)
As Charged(Up To 365 Days For Treatment By Panel
Or GRH11, Up To 180 Days In Other Private
Hospitals)
Covered Under Inpatient Psychiatric Treatment (Up To 90
Days After Discharge)
As Charged(Limited To Panel
Charges & Subject To Pro-Ration Factor12)
In The Event Of Death / Total And
Permanent Disability (TPD) Of The Parent
(payor), Premium Will Be Waived For
The Insured Until He / She Reaches Age 21
In The Event Of Death / Total And
Permanent Disability (TPD) Of The Parent
(payor), Premium Will Be Waived For
The Insured Until He / She Reaches Age 21
As Charged(Limited To Singapore GRH Ward A Charges)
Covered Under Inpatient Psychiatric Treatment (Up To 90
Days After Discharge)
As Charged(Up To 180 Days For Treatment By Panel
Or GRH, Up To 90 Days In Other Private
Hospitals)
As Charged(Up To 365 Days For Treatment By Panel
Or GRH, Up To 180 Days In Other Private
Hospitals)
As Charged
Pre-Hospitalisation Treatment9
Post-Hospitalisation Treatment9
Post-Hospitalisation Psychiatric Treatment
Emergency Overseas Medical Treatment
Waiver Of Premium For Insured13
Major Organ Transplant
Stem Cell Transplant
Breast Reconstruction After Mastectomy14
Human Immunodeficiency Virus (HIV) Due To Blood Transfusion And Occupationally Acquired HIV
Outp
atient Treatment As Charged As Charged
(i) External or Superficial Radiotherapy (ii) Brachytherapy With Or Without External Radiotherapy
Chemotherapy
Immunotherapy
Stereotactic Radiotherapy
Immunosuppressants for Organ Transplant
Erythropoietin
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Rafes Shield A
Rafes Shield Private
$60,000 / Transplant(24 Months Waiting
Period15 For Recipient)
$40,000 / Transplant(24 Months Waiting
Period For Recipient)
Living Donor Organ Transplant (Insured As The Living Donor Donating An Organ
As Charged(10 Months
Waiting Period)
As Charged(24 Months
Waiting Period)
As Charged(24 Months
Waiting Period)
As Charged(10 Months
Waiting Period)
$60,000 / Transplant $40,000 / TransplantLiving Donor Organ Transplant (Non-Insured Donating An Organ To Insured)
Pregnancy Complications Benefit16
Congenital Abnormalities Benefit For Insured
Pub
lic H
osp
italsR
afes
Hospitals
Com
munity
Hospitals
Other
Private
Hospitals
100%
100%
100%
100%
70%18
60%
100%
100%
60%
Class A
Private
1-2 Bedded Ward / 4-10 Bedded Ward / Short Stay Ward
1-2 Bedded Ward / 4-10 Bedded Ward / Short Stay Ward
Day Surgery / Outpatient Treatment
Day Surgery / Outpatient Treatment
Class B1
Class A
Class B2+ / B2 / C
Class B1
Day Surgery, Short Stay Ward / Outpatient Treatment (Subsidised / Non-Subsidised)
Class B2+ / B / C
10%
Panel – $1,500,000 Non-Panel – $600,000
10%
$600,000
Unlimited
$4,000
Unlimited
$5,000
Policy Year Limit
Lifetime Limit
Co-Insurance17
Final Expense Benefit
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Rafes Shield A
Rafes Shield Private
Pub
lic H
osp
italsP
rivate H
osp
italsC
om
munity
Ho
spitals
Ded
uctibles Fo
r Each P
olicy Year
(For insured
Ag
e 81 Years and ab
ove
at next birthd
ay) ($)
5,250 5,250
5,250 5,250
4,500 4,500
3,000 3,000
5,250 5,250
3,750 3,750
2,250 2,250
3,750 3,750
3,000 3,000
3,000 3,000
4,500 4,500
2,250 2,250
Class A
Private / Class A
1-2 Bedded Ward / 4-10 Bedded Ward
Day Surgery / Short Stay Ward
Class B1
Class B1
Class B2+ / B2
Class C
Class B2+ / B
Day Surgery (Subsidised) / Short Stay Ward (Subsidised)
Day Surgery (Non-Subsidised) / Short Stay Ward (Non-Subsidised)
Class C
Pub
lic H
osp
italsP
rivate H
osp
italsC
om
munity
Ho
spitals
Ded
uctibles (A
ge 80 Years and
belo
w
at next birthd
ay) ($)19
3,500
3,500 3,500
3,000 3,000
3,500 3,500
2,500 2,500
2,000 2,000
1,500 1,500
3,500
2,500 2,500
2,000 2,000
2,000 2,000
3,000 3,000
1,500 1,500
Class A
Private
1-2 Bedded Ward / 4-10 Bedded Ward
Day Surgery / Short Stay Ward
Class B1
Class A
Class B2+ / B2
Class C
Class B1
Day Surgery (Subsidised) / Short Stay Ward (Subsidised)
Day Surgery (Non-Subsidised) / Short Stay Ward (Non-Subsidised)
Class B2+ / B
Class C
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Rafes Shield Standard
Rafes Shield B
Inpatient Treatm
entO
utpatient Treatm
ent
Daily Room & Board and Medical-related Services5
Intensive Care Unit (ICU) and Medical-related Services
Surgical Benefits6
Surgical Implants and Approved Medical Consumables7
Gamma Knife and Novalis Radiosurgery
Community Hospital8
Inpatient Psychiatric Treatment
Accidental Inpatient Dental Treatment
Kidney Dialysis
(i) External or Superficial Radiotherapy (ii) Brachytherapy With Or Without External Radiotherapy
Chemotherapy
Immunotherapy
Stereotactic Radiotherapy
Immunosuppressants for Organ Transplant
Erythropoietin
Benefit Schedule(Payout Includes MediShield Life Payout)
Citizenship Status3 (Based on Pro-Ration Factors4)
As Charged (Up To 45 days Per
Hospitalisation)
$5,000 / Year (Incl. Post-Hospitalisation
Psychiatric Treatment)
As Charged
As Charged
As Charged
$1,700 / Day
$2,900 / Day
(i) $550 / Session(ii) $1,100 / Session
$650 / Day
$1,200 / Month
$500 / Day (Up to 35 Days)
$450 / Month
Covered Under Inpatient Hospital Treatment
$9,800 / Admission
Not Covered
$9,600 / Procedure
$1,800 / Treatment
$2,750 / Month
Table 1: $590Table 2: $1,670 Table 3: $3,290Table 4: $4,990 Table 5: $8,760
Table 6: $11,670Table 7: $16,720
$5,200 / Month
PRPR SCSC
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Rafes Shield Standard
Rafes Shield B
Ad
ditio
nal Benefi
ts
Pre-Hospitalisation Treatment9
Post-Hospitalisation Treatment9
Post-Hospitalisation Psychiatric Treatment
Emergency Overseas Medical Treatment
Waiver Of Premium For Insured13
Major Organ Transplant
Stem Cell Transplant
Breast Reconstruction After Mastectomy14
Human Immunodeficiency Virus (HIV) Due To Blood Transfusion And Occupationally Acquired HIV
In The Event Of Death / Total And
Permanent Disability (TPD) Of The Parent
(payor), Premium Will Be Waived For
The Insured Until He / She Reaches Age 21
As Charged(Limited To Singapore GRH Ward B1 Charges)
Covered Under Inpatient Psychiatric Treatment (Up To 90
Days After Discharge)
As Charged(Up To 90 Days)
As Charged(Up To 90 Days)
Not Covered
As ChargedCovered Under
Inpatient Hospital Treatment
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Rafes Shield Standard
Rafes Shield B
$20,000 / Transplant(24 Months Waiting
Period For Recipient)
As Charged(24 Months
Waiting Period)
As Charged(10 Months
Waiting Period)
$20,000 / Transplant
Covered Up To MediShield Life
Benefits
Living Donor Organ Transplant (Insured As The Living Donor Donating An Organ
Living Donor Organ Transplant (Non-Insured Donating An Organ To Insured)
Pregnancy Complications Benefit16
Congenital Abnormalities Benefit For Insured
Pub
lic H
osp
italsR
afes
Hospitals
Com
munity
Hospitals
Other
Private
Hospitals
Class A
Private
1-2 Bedded Ward / 4-10 Bedded Ward / Short Stay Ward
1-2 Bedded Ward / 4-10 Bedded Ward / Short Stay Ward
Day Surgery / Outpatient Treatment
Day Surgery / Outpatient Treatment
Class B1
Class A
Class B2+ / B2 / C
Class B1
Day Surgery, Short Stay Ward / Outpatient Treatment (Subsidised / Non-Subsidised)
Class B2+ / B / C
Policy Year Limit
Lifetime Limit
Co-Insurance17
Final Expense Benefit
60%
50%
65%
65%
50%
50%
80%
50%
80% 80%
100%
100%
100%
100%
100%
100%
100%
90%
90%
90%
90%
90%
100%
90%
100%
80%
50%
100%
100%
Unlimited
$3,000
Unlimited
N.A.
$300,000 $150,000
10% 10%
Covered Under Inpatient Hospital
Treatment
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Rafes Shield Standard
Rafes Shield B
Pub
lic H
osp
italsP
rivate H
osp
italsC
om
munity
Ho
spitals
Ded
uctibles (A
ge 80 Years and
belo
w
at next birthd
ay) ($)19
Class A
Private
1-2 Bedded Ward / 4-10 Bedded Ward
Day Surgery / Short Stay Ward
Class B1
Class A
Class B2+ / B2
Class C
Class B1
Day Surgery (Subsidised) / Short Stay Ward (Subsidised)
Day Surgery (Non-Subsidised) / Short Stay Ward (Non-Subsidised)
Class B2+ / B
Class C
3,500 2,500
3,000 2,000
3,5002,500
2,500
2,000 2,000
1,500 1,500
3,500 2,500
2,500 2,500
2,000 2,000
2,000 1,500
3,000 2,000
1,500 1,500
Pub
lic H
osp
italsP
rivate H
osp
italsC
om
munity
Ho
spitals
Ded
uctibles Fo
r Each P
olicy Year
(For insured
Ag
e 81 Years and ab
ove
at next birthd
ay) ($)
Class A
Private / Class A
1-2 Bedded Ward / 4-10 Bedded Ward
Day Surgery / Short Stay Ward
Class B1
Class B1
Class B2+ / B2
Class C
Class B2+ / B
Day Surgery (Subsidised) / Short Stay Ward (Subsidised)
Day Surgery (Non-Subsidised) / Short Stay Ward (Non-Subsidised)
Class C
5,250
5,250
4,5003,000
3,000
3,000
5,250
3,750
2,250 2,000
3,0003,750
3,000
3,000
4,5003,000
2,250 2,000
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Overview Of Special Options
Overview Of Riders
Special Options are variations to the Raffles Shield plans, and Premiums are payable by Medisave, subject to the Additional Withdrawal Limits (AWLs).
With the Raffles Key Rider, you can replace the deductible and co-insurance of your Raffles Shield policy with a co-payment of 5%20 for every claim.
#Key Rider is not available for Raffles Shield Plans with High Deductible Option.
Key Rider#
Increases the pro-ration factor (how much we pay) for medical expenses incurred at Raffles Hospital to 100% for all wards if added to the Raffles
Shield A plan.
Increases the Deductible applicable to $10,000 for all wards and ages
Only available for the Raffles Shield A plan.
Replaces Deductible and Co-Insurance under Your Policy with a co-payment of 5%21 for every claim.
Co-payment capped at $3,000 / policy year for treatment by Panel or GRH Specialists, or pre-authorised treatments, no cap on co-payment for
treatment by non-panel or non-GRH specialists.
Available with all plans except Raffles Shield
Standard Plan and plans with the Key Rider added.
Option
Benefits
Description
Rafes Shield Private
Restrictions
Rafes Shield A Rafes Shield B
Rafes Hospital (RH)
Reduced Co-Payment
High Deductible
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Enjoy the following benefits when you choose Premier Rider.Premier Rider
Standard charges for an additional bed (Up to 30 days at RH
& GRH, 10 days in other hospitals)
$100 / Day, Up to $3,000 / Year
$200 Per Hospitalisation
$150 Per Hospitalisation
$100 Per Hospitalisation
$100 / Day, Up to $2,000 / Year
$100 / Day, Up to $1,500 / Year
$6,000 / Year (Within 180 days, TCM clinics at RH
or GRH only)
$2,500 / Year $1,500 / Year $1,000 / Year
$5,000 / Year (Within 180 days, TCM clinics at RH
or GRH only)
$3,000 / Year (Within 180 days, TCM clinics at RH
or GRH only)
RH or GRH – Standard charges for an additional bed (up to 30 days)
Other Private Hospitals – capped at $70/day (up to 10 days)
Benefits Rafes Shield Private Rafes Shield A Rafes Shield B
Immediate Family Accommodation22
Post-Hospitalisation Home Care24
Ambulance Services
Post-Hospitalisation Follow Up Traditional Chinese Medicine (“TCM”) Treatment23
Emergency Outpatient Due To Accident25
15
16
Premium of Rafes Shield Plans – For Singaporean / Singapore PRPremiums displayed do not include options and/or riders. All premiums are inclusive of GST.
Age Next Birthday Medishield Life Premiums (Fully Payable By Medisave26)
Additional Withdrawl Limits ($)27
1 - 18
19 - 20
21 - 25
26 - 30
31 - 35
36 - 40
41 - 45
46 - 50
51 - 55
56 - 60
61 - 65
66 - 70
71 - 73
74 - 7528
76 - 78
79 - 80
81 - 83
84 - 85
86 - 88
89 - 90
91 - 93
94 - 95
96 - 98
99 - 100
>100
130
130
195
195
310
310
435
435
630
630
755
815
885
975
1,130
1,175
1,250
1,430
1,500
1,500
1,530
1,530
1,530
1,530
1,530
300
300
300
300
300
300
600
600
600
600
600
600
900
900
900
900
900
900
900
900
900
900
900
900
900
17
Additional Private Insurance Coverage
Rafes Shield Standard
Premiums ($)
Premiums ($)
Premiums ($)
Premiums ($)
Cash Outlay ($)
Cash Outlay ($)
Cash Outlay ($)
Cash Outlay ($)
Rafes Shield A
Rafes Shield B
Rafes Shield Private
194
194
218
221
339
342
537
632
948
1,057
1,537
2,233
2,844
3,344
3,980
4,752
5,285
6,508
7,066
7,529
7,612
8,230
8,561
9,518
9,518
0
0
0
0
39
42
0
32
348
457
937
1,633
1,944
2,444
3,080
3,852
4,385
5,608
6,166
6,629
6,712
7,330
7,661
8,618
8,618
73
78
89
89
112
126
217
221
349
375
605
946
1,389
1,665
1,926
2,352
2,567
2,850
3,238
3,451
3,720
3,874
4,246
4,621
4,621
0
0
0
0
0
0
0
0
0
0
5
346
489
765
1,026
1,452
1,667
1,950
2,338
2,551
2,820
2,974
3,346
3,721
3,721
56
56
59
59
83
83
126
126
224
233
378
612
910
1,063
1,223
1,407
1,442
1,808
2,026
2,336
2,678
2,704
2,722
3,099
3,099
0
0
0
0
0
0
0
0
0
0
0
12
10
163
323
507
542
908
1,126
1,436
1,778
1,804
1,822
2,199
2,199
39
39
48
48
62
62
108
125
141
163
275
395
620
743
951
1,013
1,173
1,198
1,507
1,646
1,800
1,960
2,146
2,368
2,368
0
0
0
0
0
0
0
0
0
0
0
0
0
0
51
113
273
298
607
746
900
1.060
1,246
1,468
1,468
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Illustrative Case Study
With Raffles Shield A Plan
With Raffles Shield A Plan and Key Rider
Mr Tan, a 46-year old was diagnosed with Coronary Artery Disease. Doctor recommended him to undergo Coronary Angioplasty (PTCA) procedure. Mr Tan was admitted at A class ward in public hospital and his bill was $36,500.
Of Course.
Lower out-of-pocket expenses?
Total B
ill: $36,500
5%
95%
Deductible: $3,500 Co-Insurance: $3,300
Rafes Shield Pays:
$29,700
Rafes Shield Pays:
$34,675
Mr Tan Pays: $6,800
Mr Tan Pays: $1,825
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1 However, do note that employee benefit schemes may not be portable if you change your employer.
2 Subject to underwriting.
3 SC: Singapore Citizen; PR: Singapore Permanent Resident; FR: Foreigner. A Citizenship Factor is applicable if the Insured is a Permanent Resident.
4 Pro-Ration Factor is calculated based on the discharge ward.
5 Including prescriptions, medical consultations, Miscellaneous Medical Charges, Specialist consultations, diagnostic test and examinations and laboratory tests. Also includes admission to high-dependency wards and Short Stay Wards.
6 Only applies to surgical procedures listed in Table 1A to Table 7C of the “Table of Surgical Procedures” published by MOH, i.e. excluding Minor Surgical Procedures.
7 Includes charges for intravascular electrodes for electrophysiological procedures; percutaneous transluminal coronary angioplasty (PTCA) balloons; intra-aortic balloons (or balloon catheters).
8 Must follow treatment in a Government Restructured Hospital (GRH) or private Hospital, for which inpatient treatment is payable.
9 Only payable if the inpatient charges are payable.
10 Specialist on the Raffles Shield Panel of specialists. Panel Specialist must be the Attending Physician for the Inpatient Episode.
11 Excluding Post-Hospitalisation Psychiatric Treatment. For post-hospitalisation visits to non-Panel or non-GRH Specialists, you may seek pre-authorisation from Us for such visits to qualify for benefits tied to Panel / GRH treatment, in accordance with the approval process at http://www.RafflesShield.com.sg
12 The percentage of the Reasonable and Customary Expenses we will pay, as set out in Your Benefit Schedule. We will apply the Pro-ration Factor if the Insured is admitted to a ward or Hospital that is higher than his or her ward entitlement.
13 The parent does not need to be enrolled on a Raffles Shield Policy. Waiver of premium is applicable to plans without Extra Premium; and waiver will be applied to Raffles Shield Base Premium only.
14 Mastectomy must be due to breast cancer, and breast reconstruction must be done within 12 months from original mastectomy.
15 Period from Policy Start Date within which claims under this benefit are not payable.
16 Includes charges incurred for inpatient treatment due to ectopic pregnancy, pre-eclampsia or eclampsia, disseminated intravascular coagulation, miscarriage, choriocarcinoma and hydatidiform mole, or postpartum haemorrhage requiring hysterectomy.
17 Co-insurance refers to the amount you have to co-pay after the Deductible has been applied to the Reasonable and Customary Expenses.
18 Increased to 100% if plan is purchased with Raffles Hospital Option.
19 The Deductible is the amount which You have to pay before we pay any claim under Your Policy. This is deducted before the co-insurance is applied. Deductibles are not applied to outpatient treatments. For the High Deductible Option, the Deductible for each policy year will be raised to $10,000 for all ward types and ages.
20 Applied onto eligible expenses, after pro-ration and within claim limits where applicable.
21 Applied onto Reasonable and Customary Expenses, after Pro-Ration and within applicable limits.
22 Accommodation expenses for an Immediate Family Member who shares the hospital room of the Insured during an Inpatient Episode.
23 Recommended in writing by the Attending Physician, and administered by a TCM Practitioner at Raffles Chinese Medicine Clinics or at a GRH.
24 Including home medical, home nursing and home therapy.
25 This Benefit is subject to Pro-Ration Factor (rates as stated in the Benefit Schedule). It is also subject to a co-payment of 5%.
26 Your MediShield Life premiums may differ depending on your premium subsidies, premium rebates and whether you need to pay for the Additional Premiums. The Net MediShield Life Premium Payable after accounting for these is fully payable by Medisave.
27 Refers to the cap on the Medisave deduction that Singapore Residents can make to pay for the premiums of the additional private insurance coverage component.
28 The last entry age is 75 years, based on the Insured’s age next birthday. This does not apply to the Raffles Shield Standard Plan.
General Notes
Important NotesThese insurance plans are underwritten by Raffles Health Insurance Private Limited (Reg. No. 200413569G). All insurance applications are subjected to our underwriting and acceptance.
This brochure is for reference only and is not a contract of insurance. You may refer to the exact terms and conditions, premiums, specific details and exclusions found at www.RafflesShield.com.sg or from our Raffles Health Advisors. Premium rates are not guaranteed.
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.
Protected up to specific limits by SDIC.
Information is correct as of 01 January 2020.
Visit Us at www.RafflesShield.com.sg or Email Us at [email protected] or Call Us at +65 6286 9988
About Rafes Health InsuranceRaffles Health Insurance (“RHI”) was incorporated in 2004, commenced operations on 2 January 2005 as a general insurer and converted into a life insurer in March 2006 under the purview of the Monetary of Authority of Singapore. RHI is a wholly-owned subsidiary of Raffles Medical Group (“RMG”) - a leading integrated healthcare service provider in Singapore.
Prior to its inauguration in October 2012, Raffles Health Insurance was known as International Medical Insurers Pte. Ltd. (“IMI”).
We are a leading healthcare insurance specialist in Singapore, supported by RMG’s wide network of family medicine clinics and tertiary care private hospital, Raffles Hospital, to provide fully integrated and coordinated healthcare for our policy owners and members. We strive to be the preferred healthcare partner and service provider, specialising in providing you a healthcare financing solution to cater to your healthcare needs.