Following the recent announcement by the Ministry of Health on new requirements for Integrated Shield Plan (IP) riders, click here for information on what this means for Great Eastern's medical plans.

Changes to  <br> GREAT SupremeHealth <br> effective 1 November 2025

Changes to
GREAT SupremeHealth
effective 1 November 2025

 

Our Integrated Shield plans and supplementary plans are reviewed regularly to ensure that the portfolio remains sustainable over the long term to meet your long term medical and hospitalisation needs.

In recent years, medical claims have been on the rise. This is driven by higher demand for healthcare services due to aging population, new medical technological advancements, and shift in consumption of medical treatment. It has become necessary to adjust the benefits and the premiums for selected plan types, to align with the rising healthcare costs, while ensuring that your plans still provide you with adequate coverage.

a)      GREAT SupremeHealth (GSH)

There will be premium and/or benefit revisions to GSH which will take effect upon policy renewals ocurring on or after 1 November 2025 (the “Renewal Date”).  Below is a summary of the key changes.  

GREAT SupremeHealth (GSH)

Plan type

As-Charged Plans

Standard

Non As-Charged Plans

(withdrawn plans)

GSH P Plus

GSH A Plus

GSH B Plus

GSH A

GSH B

Premium Revisions

Changes in premium

 ✔

 ✔  ✔

No change*

No change*

No change*

Benefits Revisions

Introduction of new Outpatient Benefits

Not covered

Revision to CTGTPs Benefit

CTGTPs not on MOH’s CTGTP List will not be covered

Increase in Annual Benefit Limits & other Benefit Limits

No change

No change

No change

No change

No change

Revision in deductibles for Ward B2+/B2/C and Short-Stay Ward

No change

No change

No change

Revision of termination clauses for Foreigners residing overseas

Policies for a Life Assured who is a foreigner and resides outside of Singapore for more than 180 days within a single period of insurance will no longer be terminated as long as the Life Assured holds an Eligible Valid Pass.

Revision in High-Cost Drug Treatment

Following MOH’s introduction of a positive list of clinically-effective and cost-effective drugs for blood conditions or childhood-onset conditions, expenses for high-cost drugs used to treat medical conditions covered under MediShield Life (“MSHL”) will now only be covered under the GSH plans if the drug is listed on the MSHL Benefit Schedule (go.gov.sg/mshlbenefits).

*Except when you have moved to a higher attained age with a published premium increase. For foreigners, the full premium of their GREAT SupremeHealth plan is the sum of the MediShield Life Premium and the Additional Private Insurance Coverage Premium. As there is a change in the MediShield Life premiums effective from 1 April 2025, this change will also apply to foreigners with plans renewing from 1 November 2025 to 31 March 2026.

For a detailed summary of the benefit charges,

  • For GSH As-Charged plans (GSH P Plus, GSH A Plus and GSH B Plus), please refer to Appendix A.1 
  • For GSH Standard, please refer to Appendix A.2 
  • For GSH Non As-Charged plans (GSH A and GSH B), please refer to  Appendix A.3 

 

GREAT TotalCare (GTC)

There will be premium and/or benefit revisions to GTC which will take effect upon policy renewals ocurring on or after 1 November 2025 (the “Renewal Date”).  Below is a summary of the key changes.  

GREAT TotalCare (GTC)

Plan type

GTC P Signature

GTC A

GTC B

GTC P Optimum (withdrawn plan)

GTC Basic A

GTC Basic B

Premium Revisions

Changes in premium

No change*

No change*

Benefits Revisions

Introduction of new Post-Stroke Outpatient Care Support

Introduction of new Extended Cell, Tissue and Gene Therapy Benefit

Revision in Benefit Limits

Revision of termination clauses for Foreigners residing overseas

Policies for a Life Assured who is a foreigner and resides outside of Singapore for more than 180 days within a single period of insurance will no longer be terminated as long as the Life Assured holds an Eligible Valid Pass (similar to changes to GREAT SupremeHealth plans).

GREAT TotalCare Plus rider (If applicable)

Changes in premium No change*

Revision in Benefits

The following benefit changes apply:

 i.     Emergency Assistance Services Benefits will only be provided if Life Assured has not resided outside of the Country of Issue for more than 365 days continuously.

ii.     Extension to treatment overseas under this rider will only be provided if Life Assured has not resided outside of the Country of Issue for more than 180 days continuously.

*Except when you have moved to a higher attained age with a published premium increase.

For a detailed summary of the benefits changes, please refer to Appendix B

We review our Integrated Shield plans and supplementary plans regularly to ensure that the portfolio remains sustainable over the long term to meet your long-term medical and hospitalisation needs. In recent years, medical claims have been on the rise driven by increasing medical costs. Therefore, it has become necessary to adjust the benefits and/or premiums of our plans to align them with the rising healthcare costs, while ensuring that your plans still provide you with adequate coverage.

These changes will affect all policyholders with GSH and/or GTC plans renewing on and after 1 November 2025.

The changes to your GSH and GTC plans will take effect on your policy renewal date, should it fall on or after 1 November 2025. You will be receiving a notification letter from us at least 30 days before your policy renewal date.

You can retrieve a copy of the notification letter or check your policy renewal date by viewing your policy details on the Great Eastern App.

 

If you are an existing customer and your policy renewal takes place on or after 1 November 2025, the revised coverage will be effective upon your policy renewal and replace the previous coverage correspondingly.

The changes and their impact may vary, based on the plan type, and include benefit revisions and premium adjustments.

We encourage you to take this opportunity to review your plans to ensure that they continue to meet your actual healthcare needs and financial priorities.

If you need someone to walkthrough the changes with you or if you would like to review your plan, you may reach out to your Financial Representative. Alternatively, you may also call our Customer Service Officers at 1800 248-2888 or email us at wecare-sg@greateasternlife.com.

You may consider transitioning from your existing Integrated Shield plan to a lower hospital and ward entitlement plan (e.g. GSH P Plus to GSH A Plus). For your GTC supplementary plan, you may consider transitioning to a lower-tier plan for which premiums are more affordable without having to compromise on your preferred hospital and ward entitlement (e.g. GTC A to GTC Basic A).

To transition to a lower plan, log in to the Great Eastern App and following the steps below:

Step 1: Log in to the Great Eastern App

Step 2: Under “Services” tab, select “Plan Conversion”

Step 3: Make declarations, and select the plan you wish to transition to

Step 4: Confirm selection of plan

Alternatively, you may reach out to your Financial Representative or call our Customer Service Officers at 1800 248-2888 or email us at wecare-sg@greateasternlife.com for assistance.

For GTC P Signature Policyholders:
You may consider transitioning to a more affordable private hospital plan, GSH P Optimum. GSH P Optimum is no longer open for new applications effective from 1 October 2025 but for you, there will be a 6-month period from your Renewal Date within which you can make this change. To find out more, you may reach out to your Financial Representative.