We understand that unexpected medical expenses can be stressful. Your policy provides coverage for expenses incurred before and after hospitalisation, offering comprehensive support throughout your medical journey.
Your hospitalisation journey
Pre or post hospitalisation claims are part of your coverage that reimburses you for related medical expenses incurred before and after a hospital stay within the eligible coverage period.
What is covered:
Pre hospitalisation expenses
- Costs incurred before your hospitalisation or surgery, and
- Includes services prescribed by a general practitioner or specialist as part of an outpatient consultation related to the condition that led to your hospitalisation or surgery, e.g. medical examinations, doctor consultations, laboratory tests, treatments including medication, therapies, etc.
Post hospitalisation expenses
- Costs incurred after your hospitalisation or surgery, and
- Are services prescribed by a general practitioner or specialist as part of an outpatient consultation related to the condition that led to your hospitalisation or surgery, e.g. medical examinations, doctor consultations, laboratory tests, physiotherapy^, treatments including medication, therapies, etc.
^Treatment must be recommended in writing by the treating doctor and performed by qualified physiotherapist.
After you receive an SMS from us that your main hospitalisation claim has been approved, you can begin to submit bills for pre and post hospitalisation expenses whenever you receive them.
Your coverage period and limits vary depending on your policy type. Contact our claims hotline at +65 6856 8548 on weekdays from 9.00am to 5.30pm or Financial Representative for specific details.
Your claims submission guide
We aim to to keep you informed and supported throughout the claims process. Here is a quick overview of what to expect:
Gather your documents
Here is what you need to submit your claim:
1. Final copies of your hospital and medical bills
2. MediSave Payment and Claims statement (if you paid using your/your loved one’s MediSave)
Retrieve it from the CPF website under the ‘Latest healthcare payments and claims’ section.
Tips for submitting documents
- Digital copies preferred: Retrieve the PDF copy if your clinic provided one or download your bills from the HealthHub app if you visited a restructured hospital.
- Clear photos get processed faster: Check out our guide for tips on taking photos of your medical bills and some examples for reference.
Submit via the following channels
- Great Eastern App
Submit via the following channels
Alternatively, you can also submit your claims via your Financial Representative.
2. Track your claim progress
We are committed to keeping you informed throughout the process, including any instances where additional time might be needed to complete the assessment.
Receive updates on the progress of your claim
You can check on the progress of your claim on the Great Eastern App (refer to step 11 above). If additional information is required to process your claim, you will receive SMSes or letters sent to your mailing address providing details on what is required.
If your claim includes receipts from various providers (e.g. restructured and private hospitals, clinics), they may be assessed independently. You will receive separate notifications on the progress of these claims.
Get notified when your claim is approved
We will notify you via SMS once your claim assessment is completed.
A letter with a breakdown of your claim reimbursement will be available on the Great Eastern App (refer to step 11 above) within 2 working days. It contains information about your final payout amount and a detailed breakdown of the claim outcome.
3. Receive payment
You can expect to be reimbursed via the following methods depending on how you made payment at the hospital or clinic.
New to PayNow?
Set it up with your banks app by linking it to your NRIC/FIN. View the instructions.
*If you do not have an NRIC/FIN ID-linked PayNow, a cheque will be sent to your mailing address within 7 working days. For customers who provided only your passport number during purchase, please update your information by submitting the Update of personal particulars form to provide your FIN/NRIC number for PayNow payment.
For further assistance
If you need help at any point in time, your Financial Representative is there to help you. Our claims hotline is also available at +65 6856 8548 on weekdays from 9.00am to 5.30pm.
Alternatively, you can contact us at medicalclaims-sg@greateasternlife.com and we will provide a response within 2 to 3 working days.