GREAT SupremeHealth | MediSave-Approved Integrated Shield Plan

Enhanced with GREAT TotalCare and covers up to 95% of your hospitalisation bill

Getting the best possible healthcare will be expensive with rising costs. That’s why we are here to ensure you get preferred healthcare support while keeping your cash outlay as low as possible.

GREAT SupremeHealth is a MediSave-approved Integrated Shield Plan that enhances MediShield Life with as-charged coverage. When combined with GREAT TotalCare, up to 95% of your total hospitalisation bill is covered when we assist your medical journey through our dedicated call-in service, Health Connect.


Stay healthy and receive 20%^ off your standard premium rates when you renew your policy.

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Enjoy optimal healthcare coverage with GREAT SupremeHealth + GREAT TotalCare

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    Benefit from one of the best cancer coverage across our plans

    Have peace of mind knowing that our GREAT SupremeHealth plan, when supplemented with our GREAT TotalCare plan, provides comprehensive outpatient cancer benefits to defray the cost of cancer drug treatments not covered under MediShield Life.

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    Cover up to 95% of your hospitalisation bills for life

    Our wide range of plans cover up to 95% of your hospitalisation bills whether you prefer restructured or private medical centres. With GREAT SupremeHealth P Plus and GREAT TotalCare P Select, enjoy coverage for both restructured and private hospitalisation at greater affordability.

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    Enjoy Health Connect benefits as a GREAT SupremeHealth customer

    With Health Connect, we can recommend preferred healthcare options to reduce your out-of-pocket medical costs. Let us help you:

    • Choose from a panel of over 800 private specialists across over 25 medical specialties. 

    • Liaise with the clinics to secure an appointment on your behalf.

    • Get pre-approval of your medical bills before treatment so that you know how much is covered.

    • Understand what’s covered under your policy and your treatment options while minimising out-of-pocket expenses.


Get the most comprehensive coverage for your dollar with GREAT TotalCare P Select

Circle Image       Our most affordable private hospitalisation solution

Premiums for our GREAT TotalCare P Select are kept to the lowest without compromising on the benefits you can get for your medical journey under both private and restructured hospitals.

Circle Image       Pay no more than S$3,000* even on a large hospital bill

Access Health Connect to have the assurance of getting up to 95% of eligible expenses paid by us, plus benefit from lowered cash outlay capped to just S$3,000* every policy year.

Circle Image       Continue enjoying the lowest premium pricing - every year

Start your coverage and enjoy 20%^ discount off the Standard Premium rates if your policy has no exclusions or premium loading. With our Claims-Adjusted Pricing (CAP)feature, continue to receive 20%off your premium when no claim is made to your policy.  Learn more about how our CAP1 feature works.

Should you need medical treatment, let Health Connect recommend you suitable healthcare options through our Panel Specialists so that your renewal premiums can be kept at standard rates.


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.

Learn more about Health Connect

Great Eastern

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.

1.      What is GREAT TotalCare?

GREAT TotalCare is a supplementary plan to GREAT SupremeHealth that helps to cover the deductible and co-insurance portions of your medical bills to help you reduce your out-of-pocket expense.

GREAT TotalCare also provides additional benefits that are not included under GREAT SupremeHealth.

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; or
P Select
A Plus A; or
Basic A
B Plus
B; or
Basic B

Do speak to our Financial Representative who will be able to share more about your options.

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.

1.      What is Claims-Adjusted Pricing?

Claims-Adjusted Pricing (CAP) is only applicable to policyholders with GREAT TotalCare P and P-Select plans. CAP is an equitable and sustainable framework whereby the renewal premium for your GREAT TotalCare P or P-Select plan will be determined by your claims experience during the applicable period of assessment.

The CAP framework rewards customers for staying healthy and for their modest usage of healthcare services. Under this framework, policyholders can enjoy a 20% discount on their standard level premiums for each renewable year as long as they make no claims or have their medical treatments done in restructured hospitals. (including government-funded community hospital and inpatient palliative care institution).

For more information on how CAP works, click here to read more.


1.      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.

Understand the details before buying

^A 20% discount off the Standard Premium Level will be accorded to:

(i)               New policies with no exclusions or premium loading; or

(ii)              Renewal policies with no claim made during the assessment period.

This discount is applicable to GREAT TotalCare P Select or P plan types only.

*The Co-payment shall be subject to a maximum of S$3,000 per Period of Insurance for the Eligible Bills incurred (a) under Panel Provider or at Restructured Hospital covered under the GREAT SupremeHealth; (b) under Panel Provider or at Restructured Hospital for Additional Cancer Support covered under GREAT TotalCare, and/or (c) where the Life Assured was admitted as a result of an Emergency. The aforementioned Co-payment cap shall not be applicable to all Expenses incurred for Outpatient Cancer Drug Treatment not on the Cancer Drug List. 

1 Claims-Adjusted Pricing (CAP) is only applicable to GREAT TotalCare P Select and P plan types only.

Maximum entry age for GREAT SupremeHealth (B PLUS, A PLUS and P PLUS) and GREAT TotalCare is age 75 years next birthday.

All premium rates are inclusive of 8% GST. Premium rates are not guaranteed and may be adjusted based on future experience.

Age stipulated refers to age 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.

This advertisement has not been reviewed by the Monetary Authority of Singapore.

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 contract.

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 ( or

In case of discrepancy between the English and the Chinese versions, the English version shall prevail.

Information correct as at 12 June 2023.

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