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Product Riders

Great Eastern Life offers a wide range of supplemental benefits (riders) you can add to your insurance policy. These riders extend your coverage and ensure protection for both you and your family.

Critical Illness

Critical Care Advantage Rider

Available as a stand-alone plan ("Critical Care Advantage") or as an add-on ("Critical Care Advantage Rider"), this option helps pay for treatment expenses across three stages of illness - early, intermediate and critical.

For more information about Critical Care Advantage, click here.

Critical Illness Protector (Series 3)
This add-on for our FlexiLife plan enhances your protection by including coverage against 37 critical illnesses.
HER Living Assurance Rider
This add-on plan covers women against female-related illnesses, female surgical procedures and reconstructive surgeries.
Junior Living Assurance Rider Plus
This add-on plan covers little ones against 18 illnesses including leukaemia, severe asthma and major cancers.
MortgageCare (Living Assurance) Rider II
Available as a stand-alone plan ("MortgageCare Living Assurance Policy") or as an add-on ("MortgageCare Living Assurance Rider"), this home loan insurance plan covers your remaining mortgage payments in the event of critical illness, total and permanent disability1 or death - ensuring that your loved ones will continue to have a roof over their heads. 
 
For more information about MortgageCare Living Assurance Policy, click here.
Parent Assurance Benefit (CI)

This add-on to our Supreme Education plan covers the policyholder against critical illness, terminal illness, total and permanent disability, and death. Should anything unexpected happen to the policyholder, this plan ensures that his/her child’s living expenses will be covered.

Plus, if there's no claim during this plan's policy term, the policyholder will be refunded half the premium paid.

Pregnancy Risk Cover
This add-on to HER Living Assurance Rider provides cover against a wide variety of maternity risks, including pregnancy complications and congenital abnormalities.
Smart Critical Care
This add-on for our Smart Life Advantage plan enhances your protection by providing additional coverage against 37 critical illnesses.
Smart Early Critical Care

This add-on for our Smart Life Advantage plan enhances your protection by providing additional coverage against up to 92 medical conditions across early, intermediate, critical stages of Critical Illnesses (inclusive of  seven Special Benefits).

Click here to view the definitions.

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Disability/Hospitalisation

Hospital Income Benefit Rider
This add-on plan pays out cash benefits for each day of hospitalisation due to an illness or accident.
Lifetime Hospital Benefit Rider
This add-on plan pays out daily cash benefits for hospitalisation as well as cash benefits for recovery, intensive care and surgery.
LifeSecure Rider
Available as a stand-alone plan ("LifeSecure") or as an add-on ("LifeSecure Rider"), this option offers you lifelong coverage against disability. Should you be disabled because of injury or illness, LifeSecure offers you the reassurance of a monthly income, throughout your life.
For more information about LifeSecure, click here .
PayAssure Rider
Available as a stand-alone plan ("PayAssure") or as an add-on ("PayAssure Rider"), this option offers you the reassurance of a monthly income when injury or illness keep you away from work.
For more information about PayAssure, click here .
Total Health Plus Rider
Add on this rider to your Supreme Health and Total Health to be fully covered round the clock worldwide. It covers your medical treatment in both emergency and non-emergency situations overseas. 

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Term

MortgageCare Rider
Available as a stand-alone plan ("MortgageCare") or as an add-on ("MortgageCare Rider"), this home loan insurance policy covers your remaining mortgage payments in the event of total and permanent disability1 or death - ensuring that your loved ones will continue to have a roof over their heads.
For more information about MortgageCare, click here .
Parent Assurance Benefit

This add-on to our Supreme Education plan covers the policyholder against terminal illness, total and permanent disability, and death. Should anything unexpected happen to the policyholder, this plan ensures that his/her child’s living expenses will be covered.

Plus, if there's no claim during this plan's policy term, the policyholder will be refunded half the premium paid.

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Personal Accident

AccidentCare Plus II Rider
Available as a stand-alone plan ("AccidentCare Plus II") or as an add-on ("AccidentCare Plus II Rider"), this option provides customisable cover against medical expenses arising from accidents, as well as payouts for disability or hospitalisation resulting from accidents.
For more information about AccidentCare Plus II, click here .
Accidental Permanent Disablement Benefit Rider
This add-on plan covers the insured person against permanent disablement resulting from an accident.
Double Accident Protector
This add-on personal accident plan offers a payout in the event of accidental death.
Essential Protector Plus Rider
Available as a stand-alone plan ("Essential Protector Plus") or as an add-on ("Essential Protector Plus Rider"), this option reimburses you for medical expenses incurred due to accidents, anywhere in the world. And, if the accident occurs while you're overseas - and you seek treatment in that country - your medical expenses reimbursement limit will be doubled.
For more information about Essential Protector Plus, click here .
Smart Accident Protector
This add-on for our Smart Life Advantage plan enhances your protection by providing additional coverage against medical expense reimbursement (including medical expenses incurred for treatment by a complementary medical practitioner) and up to 150% of benefit for permanent disablement resulting from an accident. It also pays out cash benefits for each day of hospitalisation.

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Waiver of Premiums

Payer Benefit (Living Assurance) Rider
Available with our non-investment linked plans, this add-on comes in handy when the policyholder is not the insured person. Should the policyholder be diagnosed with critical illness, suffer total and permanent disability2 or pass away, this rider takes care of the future premiums of the policy and its attaching riders.
Payer Benefit Rider
Available with our non-investment linked plans, this add-on comes in handy when the policyholder is not the insured person. Should the policyholder suffer total and permanent disability2 or pass away, this rider takes care of the future premiums of the policy and its attaching riders.
Payer Benefit Rider (ILP)
Available with our Investment Linked Policies (ILPs), this add-on comes in handy when the policyholder is not the insured person. Should the policyholder suffer total and permanent disability2 or pass away, this rider takes care of the future premiums of the policy and its attaching riders.
Payer Benefit Rider (ILP) (Living Assurance)
Available with our Investment Linked Policies (ILPs), this add-on comes in handy when the policyholder is not the insured person. Should the policyholder be diagnosed with critical illness, suffer total and permanent disability2 or pass away, this rider takes care of the future premiums of the policy and its attaching riders.
Premium Waiver Rider
Available with our non-investment linked plans, this add-on comes in handy when the policyholder is also the insured person. Should he/she be diagnosed with a critical illness, this rider takes care of the future premiums of the policy and its attaching riders.
Premium Waiver Rider (ILP)
Available with our Investment Linked Policies (ILPs), this add-on comes in handy when the policyholder is also the insured person. Should he/she be diagnosed with a critical illness, this rider takes care of the future premiums of the policy and its attaching riders.
Smart Early Critical Care Payer Benefit Rider
Available with Smart Life Advantage plan, this add-on comes in handy when the policyholder is not the insured person. Should the policyholder suffer from total and permanent disability, pass away or be diagnosed with early, intermediate3 or critical stages of critical illness, this rider takes care of the future premiums of the policy and its attaching cash-paying riders.
Smart Early Critical Care Premium Waiver Rider
Available with Smart Life Advantage plan, this add-on comes in handy when the policyholder is also the insured person. Should he/she be diagnosed with early, intermediate3 or critical stages of critical illness, this rider takes care of the future premiums of the policy and its attaching cash-paying riders.

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Footnotes
1 Until age 65 years next birthday.
2 Until age 60 years next birthday.
3 Applicable to a maximum of two different early stage critical illnesses with a premium waiver period of five years each, and to one intermediate stage critical illness with a premium waiver period of 10 years.
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Great Eastern Holdings Ltd | Great Eastern Life Assurance Co Ltd | Great Eastern General Insurance Ltd
Great Eastern Holdings Ltd | Great Eastern Life Assurance Co Ltd | Great Eastern General Insurance Ltd