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Make a medical and hospitalisation claim under your Integrated Shield plans

Medical and hospitalisation claims are part of your Integrated Shield plan coverage, reimbursing eligible costs incurred during your hospitalisation or day surgery stay. 

If you're making plans for a hospital stay, consider: 

If you want to make a claim for bills incurred before or after hospitalisation, visit the Make a pre and post hospitalisation claim page. 

Topics covered    

Claim coverage

When GREAT SupremeHealth, a MediSave-approved Integrated Shield Plan, is supplemented with GREAT TotalCare, up to 95%* of the total hospitalisation bill due to an illness or injury can be covered, keeping out-of-pocket expenses to a minimum.

Your coverage limits vary depending on your policy type. Contact our claims hotline at +65 6856 8548 on weekdays from 9.00am to 5.30pm or your Financial Representative for specific details.

*Applicable when the GREAT SupremeHealth plan is attached with either:

a) GREAT TotalCare A plan or GREAT TotalCare B plan;

b) GREAT TotalCare P Signature and for bills incurred at Panel Providers and/or at Restructured Hospitals; or

c) GREAT TotalCare P Optimum and for bills incurred at Restructured Hospitals.

Step-by-step claim guide

1. Submitting a claim
Inform the hospital to submit on your behalf or file a claim with us via email, post, or walk-in.
2. Tracking claim progress
Receive updates on your claim progress and get notified when it is approved.
3. Getting claim payout
Get reimbursed quickly via PayNow for claims you submitted to us. For hospital-submitted claims, we will settle the payment directly with them.

1. Submitting a claim

a. Check if your employer provides coverage

If you have coverage through your employer, consider initiating a claim under your employer’s group insurer to make the most of your policies. With the last-payer status of MediSave-approved Integrated Shield Plans, and in accordance with the Ministry of Health’s (MOH) claims protocol, other insurers providing similar medical coverage are required to refund the amounts paid out under your GREAT SupremeHealth plan. This can help to:

  • Preserve your annual benefit limit for any future claims
  • Reduce your out-of-pocket expenses 
  • Better manage the premium increment under the Claims-Adjusted Pricing framework for GREAT TotalCare P Signature plans

Once you know your surgery details and date, request a Letter of Guarantee (LOG) from your employer's group insurer. On the day of admission, inform the staff that you want to claim from your employer's group insurer and provide them with the LOG.

For more details, refer to Participate in claims recovery to fully utilise your policies.

b. Check your eligibility for electronic filing (e-filing)

E-filing is a process by which hospitals and accredited clinics in Singapore will help submit claims electronically on your behalf directly with Great Eastern. To be eligible, you must satisfy all of the following criteria:

  • You are covered under GREAT SupremeHealth.
  • You are a Singapore citizen or permanent resident.
  • Your bills were incurred in Singapore.

Inform the hospital staff at the point of admission and they will handle the necessary paperwork for you. For accredited clinics, check with the clinic to see if they offer this option. 

You'll be notified by SMS once we receive your claim, and when it has been approved.

Gather documents if not eligible for e-filing

If you are not eligible for e-filing, initiate a claim after discharge. Include these documents in your claim submission:

 

Form Purpose
Claimant's Statement To be completed with details of your claim
ClinicalcAbstract Application Allows us to obtain medical information relating to your hospitalisation from the
medical institution(s)
Doctor’s Statement Required only if your claim is more than SGD2,000 or more than your plan's deductible amount. Find out how you can obtain a copy from your attending doctor.
Download all forms

You will also need to submit the following documents:

1. Final hospital and medical bills

2. Screenshot of MediSave payment and claims record (if bills were paid with MediSave)

  • Retrieve it from the CPF website with a web browser using the following path:

    my cpf > “My dashboards” under Healthcare > Latest healthcare payments and claims

3. Hospital discharge summary report (if available)

4. Reimbursement letter or discharge voucher from the insurer or employer (if there was previous
reimbursement from another insurer or employer)

5. A copy of your bank statement stating the account number and account holder's name (if you wish to receive
payment via direct credit)

  • For faster payout, link your NRIC/FIN to your PayNow account using your banking app instead

Tips for submitting documents successfully

  • Digital copies preferred: Submit the PDF copy if your clinic had provided one or download your bills from the HealthHub app if you had visited a restructured hospital.
  • Clear photos get processed faster: View our guide for tips on taking good photos of medical bills and some examples for reference.

c. Submit via the following channels

Online form

Make an online submission with your completed forms and supporting documents.

Walk-in or post

Drop off the completed forms and supporting documents at our customer service centre (address below) or send them to us by post.


Attention to: Claims Department
The Great Eastern LifeAssurance Company Limited
1 Pickering Street
Great Eastern Centre #01-01
Singapore 048659

 

Alternatively, you can submit a claim via your Financial Representative, who can also help follow up on your specific needs.

2. Tracking claim progress

While your claim is being processed, you may receive updates from us via SMS or mail.

We will SMS you once we have completed the claim assessment. A letter with a breakdown of the claim reimbursement, including information about the claim outcome and a detailed breakdown of the final payout, will be available on the Great Eastern App within 2 working days.

Claims processing duration

While we strive to complete claims processing in a prompt manner, some claims may require additional time. The table below shows the median claims processing duration for the past month.

Median claims processing duration (days) 75th percentile processing claims duration
0 (same day) 0
Notes:
  • Data period is from 1 to 30 Apr 2026.
  • Median claims processing duration means that 50 out of 100 claims are processed by the insurer within the indicated number of days in the table.
  • 75th percentile claims processing duration means that 75 out of 100 claims are processed by the insurer within the indicated number of days in the table.
  • Our information is published on a monthly basis, whereas the Ministry of Health website publishes on a quarterly basis.

3. Getting claim payout

We will make payment directly to the hospital or clinic. This payment includes the amount paid using MediShieldLife, which is a component of the GREAT SupremeHealth Integrated Shield plan.

The hospital or clinic will finalise the bills and contact you regarding outstanding amounts or refunds (if any).

For claims made under Great Eastern’sIntegrated Shield Plans (i.e. GREAT SupremeHealth/GREAT TotalCare)

We will reimburse in the following order:

  • Cash payment
  • MediSave account

For claims made under Great Eastern’s non-Integrated Shield Plans (e.g. Premier Health Plan, Hospital & Surgical Protector)

We will reimburse in the following order:

  • Cash payment
  • MediSave account
  • MediShield Life or MediSave-approved Integrated Shield Plan provided by other insurers

*If you do not have a PayNow account linked to your NRIC or FIN, you may link your NRIC/FIN to your PayNow account using your banking app for a faster payout. [new line without bullet] If you had provided your passport number during purchase, you will also need to update your NRIC/FIN using the Update of personal particulars form.

* If you do not have PayNow linked to your NRIC or FIN, you may:

  • Link your NRIC/FIN to your PayNow using your banking app for a faster payout. Customers who had provided your passport number during purchase will also need to update your NRIC/FIN with us using the Update of personal particulars form

For enquiries

You can contact our customer service for queries.

Hotline +65 6856 8548 Available weekdays from 9.00am to 5.30pm
Email medicalclaims-sg@greateasternlife.com We will respond within 3 working days
Questions and Answers

GREAT SupremeHealth, which is an Integrated Shield Plan, consists of 2 parts:

a. MediShield Life (Basic component) which is compulsory and administered by CPF Board

b. An additional private insurance coverage portion provided by Great Eastern.

The final payout from the integrated GREAT SupremeHealth will comprise the MediShield Life payout and GREAT SupremeHealth’s additional insurance coverage payout.

If you are a Singapore citizen or permanent resident who has MediShield Life, and uses MediSave to pay for the GREAT SupremeHealth premium, you will be covered under the integrated GREAT SupremeHealth.

Expenses incurred are subject to deductible and co-insurance, where applicable.

Deductible is the initial amount the life assured needs to pay in period of insurance (policy year) before any payout from the GREAT SupremeHealth can be made.

Co-insurance is proportion of the claim the life assured needs to pay after the deduction of the deductible. It is expressed as a percentage of the total claimable amount.

Benefits listed below are not subject to deductible:

  • Outpatient Kidney Dialysis Treatment
  • Outpatient Cancer Treatment (Radiotherapy, Chemotherapy, Immunotherapy, Stereotactic Radiotherapy)
  • Erythropoietin
  • Immunosuppressant drugs prescribed for treatment of organ transplants

However, the co-insurance of 10% shall apply.

As of 1 April 2026, for outpatient treatmens provided in the following private kidney dialysis centres will not be pro-rated:

  • National Kidney Foundation
  • Kidney Dialysis Foundation (applicable for claims submitted on and after 3 Jan 2025)
  • People's Dialysis Centre

The Company may update the list from time to time without prior notice. 

A short-stay ward is a ward in an accident and emergency department of a restructured hospital for patients who need a short period of inpatient monitoring and treatment.

Yes, you will need to bring the other insurer's claim settlement letter to the hospital/day surgery centre and request them to submit the claim electronically (e-file), inclusive of the claim settlement amount paid by Group Hospital & Surgical under GREAT SupremeHealth.

At the same time, you will need to notify claims department by submitting a copy of the Group Hospital & Surgical claim settlement letter to us.

Submit a copy of the "MediSave payment and claims" statement together with your final medical bills. You can follow the steps outlined below to download your CPF MediSave Transaction statement.

a. Log in to my cpf Online Services with your Singpass.

b. Click on My Statement at the sidebar.

c. Scoll to Section B and select MediSave and Healthcare Insurance Claims and Reimbursement.

d. Select the relevant dates and click Proceed.

e. Click on the amount at MediSave Payment or MediShield Life/Integrated Shield Plan Payment to view the claim details.

Yes, you can still submit the bills to make claims if your pre and post hospitalisation visits are related to your surgery or treatment.

Simply provide us with your doctor's memo with the following details:

a. A statement that your surgery or treatment has been rescheduled because of the Covid-19 situation.

b. Details of both the original and rescheduled dates, for example, from 16 March 2023 rescheduled to 16 June 2023.

Submit your medical bills with the doctor's memo to us to make your claims.

As your pre and post hospitalisation claims are valid for 120 and 180 days respectively, they may no longer be valid due to your rescheduled surgery or treatment.

Please be assured that we'll still process your claims as long as these expenses are eligible based on your policy coverage. You may refer to your policy contract or contact your Financial Representative to find out the details of your eligible claimable expenses.
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