What is health insurance?

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

Who needs health insurance?

Unexpected health issues can affect anyone, from the young to the old and the medical cost involved may be hefty. Hence, a health insurance plan is an essential financial safety net for all.

How do I choose health insurance?

Evaluate your specific needs including age, existing medical conditions, potential familial health concerns, and anticipated healthcare requirements. Then determine an appropriate premium payment plan that aligns with your financial capabilities. Compare deductibles, co-payments, and coverage limits to find a plan that fits your preferences. Take into consideration the network of healthcare providers, facilities, and services included in the plan. Thoroughly review the policy terms and conditions to understand the coverage limitations and exclusions. Take note of the different health insurance plans that are available: hospitalisation and surgical plans, critical illness plans, hospital cash plans, etc. If you are unsure about anything in the plan, speak to a qualified Financial Representative to find out more.

What health insurance do I need?

While all Singapore Citizens and Permanent Residents are covered under a basic health plan provided by the government (i.e. MediShield Life), you can opt for additional health insurance coverage for more protection. The health insurance policy you choose will depend on your needs, including your health requirements, preferences, lifestyle, age, medical conditions, and family composition. Different plans serve various purposes: Hospitalisation and Surgical plans: cover hospital room and board, doctor fees, and other related charges during hospitalisation, for example: Great Eastern’s GREAT SupremeHealth and GREAT TotalCare, Hospital Cash plans: provides payout for each day of hospitalisation. The payout can be used in whichever way one may wish, for example: paying the daily living expenses during the recovery period, for example, Great Eastern’s GREAT Hospital Cash, Critical Illness plans: provide a lump sum payout upon diagnosis of a critical illness covered by the plan, such as cancer or heart disease, for example: GREAT Critical Cover Series, GREAT Cancer Guard, Disability Income: Provide income if you are unable to work due to disability, for example Pay Assure, Long Term Care: Pay for care if severely disabled, for example GREAT CareShield Ultimately, whichever plan you choose will depend on your unique circumstances.

Where can I buy health insurance?

For hospitalisation and surgical plans, you must purchase via a qualified Financial Representative as it requires medical underwriting. For health plans with minimum health underwriting, you may purchase online. Talk to our qualified Financial Representatives today to find out how you can protect yourself against unexpected health issues that may incur hefty medical expenses.

Disability Coverage

If you're unable to work through illness or injury, you'll want to ensure that your basic needs are covered. Use our calculator to find out how much money you would need to maintain your lifestyle and cover medical costs.

In the event of disability, would you need financial help to cover

Nursing

Yes

Institution

Yes

Long term treatment
or medication

Yes

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Life and health

Wealth

Lifestyle

Government schemes

Prestige series

Disability Coverage

In the event of disability, would you need financial help to cover

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Your search history

Life and health

Wealth

Lifestyle

Government schemes

Prestige series

Disability Coverage

In the event of disability, would you need financial help to cover

How do I start?