What is health insurance?

Health insurance is a type of insurance plan that helps the insured manage costs of unexpected medical and surgical expenses. It covers hospital stays, surgeries, critical illnesses, disabilities, and long-term care.

Who needs health insurance?

Unexpected health issues can affect anyone, from the young to the old, and the medical costs involved can be significant. A health insurance plan is an essential financial safety net for everyone.

How do I choose health insurance?

Evaluate your specific needs including age, existing medical conditions, potential familial health concerns, and anticipated healthcare requirements. Determine a premium payment plan that fits your budget, and compare deductibles, co-payments, and coverage limits. Review the network of healthcare providers and facilities included in the plan, and carefully read policy terms to understand limitations and exclusions. Speak to a qualified Financial Representative if you need further guidance.

What health insurance do I need?

While all Singapore Citizens and Permanent Residents are covered under MediShield Life, you can opt for additional coverage. The right plan depends on your health requirements, lifestyle, age, medical conditions, and family composition. Options include Integrated Shield Plans (e.g. GREAT SupremeHealth), Hospital Cash plans (e.g. GREAT Hospital Cash), Critical Illness plans (e.g. GREAT Critical Cover Series), Disability Income plans (e.g. Pay Assure), and Long Term Care plans (e.g. GREAT CareShield).

Where can I buy health insurance?

Hospitalisation and surgical plans require purchase through a qualified Financial Representative due to medical underwriting. Health plans with minimal underwriting requirements may be purchased online. Talk to our Financial Representatives to find the right coverage for you.