The tandem warhead with high-speed kinetic fragment and coated reactive material has both high-speed penetration and chemical energy damage effect. This paper is aimed to research its tandem damage effect on shielded charges. The impact dynamics model of impacting on shielded charges by the high-speed kinetic fragment and coated reactive material was established. By combining the excitation theory of reactive materials with the initiation criterion of shielded charges， the impact damage to the shielded charges by the high-speed kinetic fragment and coated reactive material was calculated and analyzed. Based on the 2D-Autodyn platform， the initiation process of shielded charges impacted by the high-speed kinetic fragment and coated reactive material was simulated. The comparison verifies the consistency between theoretical calculation and numerical simulation. By Combining theoretical analysis and numerical simulation results， the main influencing factors of the damage to shielded charges， the probable damage modes and the transition conditions between each damage mode were discussed. The results show that there are five damage modes for the shielded charges impacted by the high-speed kinetic fragment and coated reactive material ， including the forepart penetration initiation mode （Ⅰ）， the main part penetration initiation mode （Ⅱ）， the no reactive material reaction and no penetration initiation mode （III）， the reactive material reaction enhanced initiation mode （Ⅳ） and the reactive material reaction and no initiation mode （Ⅴ）. When the structure and material properties are determined， the main influencing factors of damage modes are the impact speed and shielding thickness. The theoretical model established in this paper can predict the above damage modes well.