Optima Plus

Looking for a Singapore healthcare plan that is comprehensive with flexibility of choice of hospitals and provides you continued healthcare financing protection year after year? Look no further...

The Optima Plus is designed to give you comprehensive healthcare financing protection and peace of mind at an affordable price.

Reimbursement of Eligible Hospital Bill in Full

• Reimbursement subject to annual and lifetime limits.
• Separate limits apply for outpatient kidney dialysis and Cancer treatment.


Your coverage is renewable up to age 75 and, subject to lifetime limit.

Flexibility of Choice of Hospital

• Save 8% on the premium if you select only. Government Restructured Hospitals and Raffles Hospital as your preferred hospitals.

Raffles Hospital Incentive

Receive up to S$100 per day if you choose to be admitted to Raffles Hospital.

Annual Health Screening Voucher

Get a free health screening voucher (worth up to S$100) every year, redeemable at Raffles Health Screeners located at Raffles Hospital. (Only applicable to insured aged 7 years and above Age Next Birthday)

Personal Accident Protection

Up to S$25,000 Personal Accident cover against Accidental Death and Accidental Total and Permanent Disability at no extra cost.

Family Discount

Save 5% on total premiums if 3 or more family members (Including one parent) sign up.

Premium Reduction Option

Lock in your rates in advance with our 3-year and 5-year plans and receive an additional premium discount of up to 5%.

Flexibility To Suit Your Needs

• Choose from four specially tailored plans to suit your needs and budget.
• You may opt for a co-insurance option to enjoy a 20% premium discount.

24-Hour Call Centre

Receive round-the-clock assistance on your benefits entitlement and coverage.
  • Entry age is between 19 and 60 years (both years inclusive).
  • Entry age for a child dependent is between 1 month and 18 years (both years inclusive), provided they are dependent on the parents for support and maintenance or if pursuing studies on a full-time basis, to the age of 25 years.
  • Persons to be insured must be Singapore Citizens, Singapore Permanent Residents, holders of Singapore Employment Pass or holders of Singapore Work Permits.
There are certain conditions under which no benefits will be payable. These are stated as exclusions in the contract. You are advised to read the policy contract for the full list of exclusions. The exclusions for this plan include, but are not limited to, the following: pre-existing conditions, congenital anomalies, pregnancy-related conditions, mental illness, acts of terrorism and war, self-inflicted injuries and suicides.


This is only the product information provided by Raffles Health Insurance Pte Ltd. You should seek advice from a qualified adviser if in doubt. Buying health insurance products that are not suitable for you may impact your ability to finance future healthcare needs. This brochure is not a contract of insurance. The standard terms and conditions of this plan are provided in the relevant policy contract. Details are correct at the time of printing and may be subject to change in future.

Disclosure Statement

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 types of benefits that are covered under the scheme as well as the limits of coverage, where applicable, please contact your insurer or visit the GIA/LIA or SDIC web-sites (www.gia.org.sg or www.lia.org.sg or www.sdic.org.sg.)