Reap the benefits of staying healthy with Claims-Adjusted Pricing

Be rewarded with more premium savings when you lead a healthy lifestyle and continue to be in the pink of health. 

Claims-Adjusted Pricing (CAP) framework is an equitable and sustainable framework that allows you to decide on your preferred treatment option based on your circumstances.

It is applicable to policyholders with GREAT TotalCare (Elite-P) and GREAT TotalCare (Classic-P). The yearly renewal premium for your supplementary plan will be determined by your personal claims experience during the Assessment Period¹. 

With CAP, you will start at the Standard Premium Level. At each policy renewal, your Premium Level will be determined by any previous claims² you have made during the Assessment Period¹.

If you remain healthy and did not make any claim, you will enjoy being in the Preferred Premium Level, with 20% savings off the Standard Premium Level at your next policy renewal.

Should there be occurrences of Private Hospital and Restructured Hospital claims within the same Assessment Period¹, only the claims under Private Hospitals will be added together to determine the movement on premium level for the next policy renewal. 

We understand that you may require hospitalisation and/or medical treatments and may be concerned on the possibility of increased premium in the following year. Here are some options which can help you decide better:

• Consider if there is a need for in-hospitalisation stay for minor medical attention. 
• Consider if your employer has additional health coverage that enables claims or reimbursement from your company’s group insurance employee benefits plan.
• Consider having your medical treatment supported through Singapore's Restructured Hospitals.

You may also consult our Health Connect team to get a Pre-Approval of your Eligible Medical Expenses with a panel specialist via our Health Connect.

You may ask your panel specialist to request a pre-approval on your behalf when you are at the clinic. Check out the list of specialists.

Our Online Form

Download the online form and email it back to us at pre-authorisation@healthconnect.com.sg . Once approved, you will be notified through email.

By reducing the claim amount made under your Integrated Shield policy and supplementary plan, you can better manage future premium increments. One way to do this is to recover the cost of your medical claims from other insurance plans that you are insured under, such as your company’s group insurance employee benefits plan. By doing so, you can reduce the claim amount made under your Integrated Shield policy and help us keep your premiums more affordable in the long term.

Under the Claims-Adjusted Pricing framework, you will also benefit by staying at the Standard Premium Level at the next policy renewal if you manage to recover your medical claims from other insurance plans such that your total claim amount for your Integrated Shield policy is S$2,000 and below.

For instructions on how to recover the cost of your medical claims from a third party, please refer to the “GREAT SupremeHealth Integrated Shield Claim Recovery” section here.