Be wary of phishing scams. Please visit our Security Advisory page for more information.

GREAT SupremeHealth | MediSave-Approved Integrated Shield Plan

Cover up to 95% of your total hospitalisation bill

Being in good health is key to high quality of life. However, there may be times when medical care is required due to unforeseen ailments and illnesses. That’s why we are here to ensure that you get the preferred healthcare support while keeping your cash outlay as low as possible.

For many, hospitalisation and medical surgery can be planned ahead of time. Exclusively for our GREAT SupremeHealth customers, you'll have access to Health Connect, our dedicated call-in service. With this complimentary service, you may apply for pre-approval of your hospitalisation expenses and enjoy the certainty of knowing which medical expenses are covered even before your treatment starts, so that you can focus on a speedy recovery.


Product summary View product brochure Product summary View Benefit and Premium Tables Product summary View FAQs on changes to IP renewing plans

Enjoy optimal healthcare coverage with GREAT SupremeHealth + GREAT TotalCare

Having an Integrated Shield coverage may help cover a majority of the hospitalisation costs you may incur in your lifetime. Our range of Integrated Shield and supplementary plans seeks to complement MediShield Life to ensure that your hospitalisation coverage is optimally covered across all life stages and needs.

GREAT SupremeHealth is a MediSave-approved Integrated Shield Plan. When supplemented with GREAT TotalCare plan, our plans can cover up to 95% of your total hospitalisation bill due to an illness or a surgery, thus helping to keep your out-of-pocket expenses to the minimum.


Get the most comprehensive coverage for your dollar with GREAT SupremeHealth + GREAT TotalCare 

Circle Image       Choice of plan types that suit your medical coverage and budget

Choose from a wide range of plan types to suit your medical coverage and budget. Plus, have the option to change your plan type3 according to your needs at different life stages.

Circle Image       Cover up to 95% of your total hospitalisation bills for life

Have greater assurance on your cashflow whether you choose to receive medical care from Restructured Hospitals or Private Panel Providers as our plans cover up to 95% of your hospitalisation bills for life.

Circle Image       Minimise financial outlay for your recovery with post-hospitalisation treatment coverage

Enjoy as-charged coverage under GREAT SupremeHealth for post-hospitalisation treatment provided within 365 days from hospitalisation discharge4, including post-hospitalisation medical treatments for physical, occupational and speech therapy.

Additionally, when you supplement your coverage with GREAT TotalCare, you can also get covered for post-hospital follow-up Traditional Chinese Medicine treatments5 within 180 days from hospitalisation discharge.

Circle Image       Be protected with comprehensive 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 and services not covered under MediShield Life6.

GREAT TotalCare also supplements with an additional S$10,000 cancer support benefit for each policy year, which can help pay for follow-up supportive treatments and medical services relating to cancer, to reduce your financial concerns.

Circle Image       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 cost. Connect with us and we can help you to:

• Choose from a panel of over 700 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

Our range of GREAT SupremeHealth and 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:

GSH GTC P Plus table

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:

GSH GTC A and B Plus table

GSH GTC table

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 Signature; or P Optimum

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.

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 ( 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, for bills incurred at Panel Providers and/or at Restructured Hospitals; or
c) GREAT TotalCare P Optimum, 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.

*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:

• $3,000 per Period of Insurance for the Eligible Bills incurred at a Restructured Hospital; and
• $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).

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.

Post-Hospitalisation Treatment provided after 180 days must be provided in a Restructured Hospital or prescribed by a Specialist Doctor who is a Main Panel Provider or Extended Panel Provider, that had ordered the Planned Hospitalisation of the Life Assured.

5 For Post-Hospital Follow-up Traditional Chinese Medicine 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 1 visit a day.

GREAT TotalCare does not cover Class F of Outpatient Cancer Drug Treatments not on the Cancer Drug List. Refer to the “Non-CDL Classification Framework” by Life Insurance Association for the classification of cancer drug treatments that are not on the Cancer Drug List (

7 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.

8 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.

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 contracts.

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 1 June 2024.

Let us match you with a qualified financial representative

Our financial representative will answer any questions you may have about our products and planning.


Request Callback

How can we help you?

Your last Servicing Representative will contact you.

Thank you

Your submission has been sent successfully.


Enhance your coverage

Check out products that supplement your coverage on top of what GREAT SupremeHealth + GREAT TotalCare provides