Choose your preferred profile to understand how our hospitalisation coverage works for you
Enjoy optimal healthcare coverage with GREAT SupremeHealth + GREAT TotalCare
Our range of Integrated Shield Plans and supplementary plans is designed to complement MediShield Life, providing you with optimal coverage for your hospitalisation needs at every stage of life. By supplementing GREAT SupremeHealth, a MediSave-approved Integrated Shield Plan, with GREAT TotalCare, you can be covered for up to 95%† of your total hospitalisation bill due to an illness or injury, keeping out-of-pocket expenses to a minimum.
Get the most comprehensive coverage for your dollar with GREAT SupremeHealth + GREAT TotalCare
Wide range of plans for affordable medical coverage
As your life stages evolve, enjoy the flexibility to adjust your coverage3 with our range of plans, offering comprehensive protection that meets both your medical needs and budget.
Cover up to 95%† of your total hospitalisation bills for life
Our plans cover up to 95%† of your total hospitalisation bill, whether you choose to receive medical care from Restructured Hospitals or Private Panel Providers. This ensures greater financial stability as you build your future.
Minimise out-of-pocket expenses with post-hospitalisation treatment coverage
With GREAT SupremeHealth, you will enjoy as-charged coverage for post-hospitalisation medical treatments provided within 365 days of hospitalisation discharge4, including physical, occupational and speech therapy. By supplementing your GREAT SupremeHealth coverage with GREAT TotalCare, you will also receive coverage for Traditional Chinese Medicine treatments5 administered within 180 days of hospitalisation discharge, as well as expenses incurred for the purchase or rental of medical aids6 like braces to support your rehabilitation.
Protect your active lifestyle
Whether you’re hitting the gym, running trails, or playing sports, should an unexpected accident occur and you require urgent outpatient treatment at the Accident and Emergency Department of a Hospital, GREAT TotalCare will cover your injury-related medical expenses7.
Access exclusive Health Connect benefits
With Health Connect, our dedicated call-in service, we can recommend preferred healthcare options to reduce your out-of-pocket medical costs. Connect with us, and we will help you:
- Choose from a panel of over 700 private specialists across more than 25 medical specialties
- Liaise with panel clinics to secure an appointment on your behalf
- Get pre-approval for your medical bills before treatment so you know how much is covered
- Understand your policy coverage and your treatment options while minimising out-of-pocket expenses
- Connect with our partner, Farrer Park Hospital, to enhance your hospitalisation experience
Our range of GREAT SupremeHealth + GREAT TotalCare plans to suit your healthcare preferences and budget
Here's our guide to ensure adequate medical coverage for your preferred healthcare choices, starting with choosing a plan that suits your needs.
If you prefer to have a comprehensive selection of medical coverage for Private Hospitals, you may consider the following:
When supplemented with GREAT TotalCare P Signature or GREAT TotalCare P Optimum, up to 95%† of your hospitalisation bills incurred at Restructured Hospitals are covered, with out-of-pocket expenses limited to S$3,000 per period of insurance.
If you prefer to have cost-effective medical coverage for Restructured Hospitals, you may consider the following:
Here’s how GREAT SupremeHealth P Plus + GREAT TotalCare P Optimum support your hospital bill at affordable premiums
Enjoy Health Connect benefits with our health plans
Through our Health Connect, you will enjoy access to one of the largest private specialist panel in Singapore and have the assurance of what is covered before your treatment. There’s no need for any cash deposit upon hospital admission as we settle your eligible medical expenses directly with the hospital.
Your questions answered
1. What is MediShield Life?
MediShield Life is a compulsory basic health insurance plan that provides Singapore Citizens and Permanent Residents with universal and lifelong protection against large hospital bills, regardless of age or health condition.
MediShield Life is sized for subsidised Class B2/C bills in public hospitals and pegged at B2/C-type wards. Hence if you choose to stay in a higher hospital ward class such as A/B1-type ward or in a private hospital, MediShield Life payout will cover only a proportion of your bill and you would need to draw on your MediSave funds and/or cash to pay the balance.
You may consider getting an Integrated Shield Plan to enhance your MediShield Life coverage if you want higher benefit limits and have a preference for a better hospital ward class.
2. What is GREAT SupremeHealth?
GREAT SupremeHealth is an Integrated Shield Plan that provides higher coverage and benefits that are not included under MediShield Life.
GREAT SupremeHealth is made up of 2 components:
· MediShield Life portion managed by the Central Provident Fund (CPF) Board, and
· additional private insurance coverage provided by The Great Eastern Life Assurance Company Limited.
By purchasing GREAT SupremeHealth, you enjoy the combined benefits of MediShield Life and GREAT SupremeHealth. Your GREAT SupremeHealth premium includes both MediShield Life premium and the additional private insurance coverage premium.
3. MediShield Life covers me regardless of my health conditions, will GREAT SupremeHealth cover my pre-existing conditions too?
Universal healthcare coverage provided by MediShield Life protects Singapore Citizens and Permanent Residents for life, regardless of pre-existing conditions. Such costs of covering pre-existing conditions are shared with the community with the Government supporting the cost of extending MediShield Life coverage to all Singapore Residents.
Unlike MediShield Life, Integrated Shield Plans such as GREAT SupremeHealth do not provide coverage for pre-existing conditions. Hence, these pre-existing conditions will continue to be excluded from the additional private insurance coverage portion under your GREAT SupremeHealth plan.
4. Which GREAT SupremeHealth plan should I purchase?
You should consider your medical care preferences before making a plan purchase, that includes ward preferences, ability to choose your preferred doctors or hospitals and the affordability of premiums over the longer-term. Do speak to our Financial Representative who will be able to share more about your options.
5. Can I use my MediSave funds to pay for GREAT SupremeHealth?
GREAT SupremeHealth is a MediSave-approved Integrated Shield plan and premiums are payable using your MediSave funds up to the additional withdrawal limits based on your age. Any premium excess would need to be paid in cash.
6. When can I buy GREAT SupremeHealth for my newborn?
Your newborn will need to be at least 15 days old or discharged from the hospital, whichever is later. The earlier you buy an Integrated Shield Plan for your newborn, the earlier he/she can benefit from the additional medical coverage should medical emergencies happen.
2. Which GREAT TotalCare plan should I purchase?
You will have to buy a GREAT TotalCare plan that is complementary to your GREAT SupremeHealth plan, as shown in the table below.
GREAT SupremeHealth Plan Type |
Corresponding GREAT TotalCare Plan Type |
P Plus |
P Signature; or P Optimum |
A Plus |
A; or |
B Plus |
B; or |
3. Can I use my MediSave to pay for GREAT TotalCare?
No, GREAT TotalCare is a supplementary plan and is not a MediSave-approved plan; its premiums would need to be made in cash.
What are the drivers of premiums for GREAT SupremeHealth and GREAT TotalCare plans?
Your premiums are used to pay for commissions, claims and other expenses involved in administering your policy†. Please refer to the table for details.
| 2019 | 2022 | |
| Claims^ | 80% | 73% |
| Commissions and distribution* | 16% | 13% |
| Management expenses# | 8% | 5% |
†Based on all long-term accident and health plans, including Integrated Plans and riders.
^Claims refers to gross claims settled divided by gross premiums.
*Commissions and distribution refers to the sum of commission expenses and other distribution expenses divided by gross premiums.
#Management expenses refers to management expenses divided by gross premiums.
The cost of claims would change depending on the claim size and number of claims submitted by policyholders. In the past 3 years, the average bill size has increased by 2% and 20% in public and private healthcare institutions respectively. The number of claims submitted per policyholder had increased by 3%.
Community Hospital is categorised as public healthcare institution. Hospice Care Institution is categorised as private healthcare institution.
Where can I find the comparison of Integrated Shield Plans (IPs) across all insurers?
You may refer to MOH’s website (go.gov.sg/moh-compare-ip) for a comparison of IPs across all insurers, including the estimated premiums you have to pay for an IP over your lifetime.
Understand the details before buying
† Applicable when the GREAT SupremeHealth plan is attached with either:
a) GREAT TotalCare A plan or GREAT TotalCare B plan;
b) GREAT TotalCare P Signature and for bills incurred at Panel Providers and/or at Restructured Hospitals; or
c) GREAT TotalCare P Optimum and for bills incurred at Restructured Hospitals.
^ Premium illustrated for GREAT SupremeHealth P Plus plan includes MediShield Life’s premium and prevailing rate of GST. Premium illustrated for GREAT TotalCare P Optimum includes prevailing rate of GST. The prevailing rate of GST is subject to change.
§ MediShield Life premium is fully payable by MediSave and there are no withdrawal limits. The premium of the additional private insurance component of GREAT SupremeHealth is payable by MediSave up to the Additional Withdrawal Limit, beyond which cash is required.
* Loss Limit is the amount at which the deductible, co-insurance and co-payment payable by the policyholder for the Eligible Bills incurred shall be capped. Loss Limit for GREAT TotalCare P Optimum is: S$3,000 per period of Insurance for the Eligible Bills incurred at a Restructured Hospital; and S$6,500 per period of Insurance for the Eligible Bills incurred at a Panel Provider.
1 The deductible is the amount which must be borne by the policyholder before any benefit becomes payable under GREAT SupremeHealth. Co-insurance is the proportion of the expenses that needs to be borne by the policyholder after the deduction of the deductible (where applicable).
2 95% of the deductible is covered under selected GREAT TotalCare plan types. Please refer to Benefit Table in the policy contract for more information on coverage of the deductible under the different GREAT TotalCare plans.
3 Terms and conditions apply and subject to the Company’s acceptance.
4 PExpenses incurred for Post-Hospitalisation Treatment will be covered up to 365 days from Hospital discharge if provided in a Restructured Hospital or prescribed by the admitting and/or main treating Specialist Doctor who is a Main Panel Provider or Extended Panel Provider that had ordered the Hospitalisation of the Life Assured.
5 For post-hospitalisation follow-up Traditional Chinese Medicine (TCM) treatment provided by a registered TCM practitioner in an approved TCM clinic outside of a Singapore Hospital or a Community Hospital, the expenses incurred will be subject to a limit of S$60 per visit, up to one visit per day.
6 Such medical aids must be prescribed by a Medical Doctor and must be purchased or rented: (a)within 120 days before Hospitalisation; (b) during the period of Hospitalisation; or (c) within 180 days from the date of discharge from the Hospital, and subject to co-payment to be borne by the policyholder.
7 Expenses incurred for treatment provided by the accident and emergency or outpatient department of a hospital for Injuries sustained by the Life Assured provided that such visit is within 72 hours of the occurrence of such Injury or Injuries.
8 Subject to out-of-pocket expenses comprising deductible, co-insurance and co-payment, where applicable. For GREAT SupremeHealth A Plus, GREAT SupremeHealth B Plus and the supplementary plans, pro-ration will apply for bills at Private Hospitals / medical providers and/or at Restructured Hospitals when the bill is incurred at a ward class that is higher than the plan's ward class entitlement.
9 Claims-Adjusted Pricing framework is applicable for GREAT TotalCare P Signature. This framework allows you to decide on your preferred treatment provider, where such personal claims experience during the Assessment Period will determine your renewal premium rates for your supplementary plan.
Terms and conditions apply.
Maximum entry age for GREAT SupremeHealth (P Plus, A Plus and B Plus ) and GREAT TotalCare is age 75 years next birthday.
GREAT TotalCare is not a MediSave-approved Integrated Shield plan and premiums are not payable using MediSave. GREAT TotalCare is designed to complement the benefits offered under GREAT SupremeHealth.
The above is for general information only. It is not a contract of insurance. The precise terms and conditions of this insurance plan are specified in the policy contracts.
This advertisement has not been reviewed by the Monetary Authority of Singapore.
These policies are protected under the Policy Owners’ Protection Scheme which is administered by the Singapore Deposit Insurance Corporation (SDIC). Coverage for your policy is automatic and no further action is required from you. For more information on the types of benefits that are covered under the scheme as well as the limits of coverage, where applicable, please contact us or visit the Life Insurance Association (LIA) or SDIC websites (www.lia.org.sg or www.sdic.org.sg).
In case of discrepancy between the English and the Chinese versions, the English version shall prevail.
Information correct as at 1 October 2024.
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