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GREAT Comprehensive Care

Product Summary

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1. NATURE AND OBJECTIVE OF THE PLAN:

GREAT Comprehensive Care is a non-participating group personal accident and group hospital & surgical product. It provides financial protection for the Life Insured against Death & Total and Permanent Disability as a result of accident. It also provides daily hospital allowance, for the Life Insured when he/she is hospitalised in Singapore due to Accident or Illness.

GREAT Comprehensive Care is provided by The Great Eastern Life Assurance Company Limited (hereinafter called “we” or “our” or “us” or “the Company”), at 1 Pickering Street, #16-01, Great Eastern Centre, Singapore 048659.

The Great Eastern Life Assurance Company Limited is a wholly owned subsidiary of Great Eastern Holdings and a member of the OCBC Group.

2. ELIGIBILITY:

All Doctor Anywhere members (hereinafter called “you” or “your”) who is between 16 and 65 Age Next Birthday at the Effective Date; and who is a Singaporean or Singapore Permanent Resident or with a valid employment pass (EP holders or S Pass holders) / dependant’s pass; and is residing in Singapore.

3. BENEFITS AT A GLANCE:

3.1. Group Personal Accident

Benefits Basic Deluxe
a) Accidental Death Benefit S$100,000 S$150,000
b) Accidental Total and Permanent Disability Benefit 
c) Death due to Coronavirus Disease (COVID-19) S$10,000 S$10,000

The aggregate of compensation payable under any or all of (a) and (b) in respect of any one Accident shall not exceed S$100,000 or S$150,000 for Basic or Deluxe respectively.

3.1.1. “Coronavirus Disease (COVID-19)” refers to unequivocal, final and confirmed diagnosis by a Registered Medical Practitioner in accordance with prevailing clinical guidelines published by Ministry of Health, where available, supported by acceptable clinical, radiological, histological and laboratory evidence.

3.2. Group Hospital & Surgical

Benefits Basic Deluxe
a) Daily Hospital Cash (up to 365 days, per Any One Hospitalisation)  S$100 per 24-hour day S$150 per 24-hour day

b) Daily Cash Benefit in Intensive Care Unit (in addition to the Daily Hospital Cash, up to 30 days per Any One Hospitalisation)

S$100 per 24-hour day S$150 per 24-hour day

3.2.1. "Any One Hospitalisation" means Hospitalisation due to same cause, including any and all complication therefrom. Subsequent recurrence or relapse from the same cause shall be treated as a new Hospitalisation if it is separated by 30 calendar days following the latest discharged from the Hospital of the Life Insured.

3.2.2. “Daily Hospital Cash” means a daily allowance that shall be payable up to a maximum of 365 days for Any One Hospitalisation occurring within 36 hours of an Accident or Illness and requiring Hospital confinement in Singapore for at least 12 hours. This benefit is not payable if the Life Insured undergoes Hospitalisation during the Waiting Period as a result of suffering from an Illness.

3.2.3. “Hospital” means an establishment constituted and registered in Singapore as a hospital for the care and treatment of sick and injured persons as bed-paying patients and which:

a) has facilities for diagnosis and major surgery, provides 24 hours a day nursing services by registered nurses and is under the constant supervision of a Registered Medical Practitioner;

b) is a Government/ restructured/ private specialist medical centre.

However, the term “Hospital” does not refer to a clinic, an alcoholic or drug rehabilitation centre, a nursing, rest or convalescent home, a spa or a hydroclinic, a community hospital or similar establishment.

3.2.4. “Waiting Period” means a period of 30 days starting from the Effective Date as specific under the Certificate of Insurance.

3.3. Outpatient Care Benefit

Benefits Basic Deluxe

Doctor Anywhere Video-Consultations Service

(Transferrable to family and friends)

6 video-consultations per Period of Insurance 12 video-consultations per Period of Insurance

3.3.1. “Doctor Anywhere Video-Consultation Service” this benefit only covers the cost of Registered Medical

Practitioner video-consultations on Doctor Anywhere platform and does not include any medical tests, treatments, medications and delivery costs.

4. COMPANY CAN AMEND CLAUSES

The terms of the Policy may be amended by the Company from time to time upon the Company giving a 30 days prior notice to the Policyholder. Any amendments to this Policy shall be binding on all Life Insured whether insured under this Policy prior to or on or after the effective date of the amendment without notice to the Life Insured.

5. PREMIUM RATE

Annual Premium per Life Assured, S$ (inclusive 7% GST)
Age Next Birthday BASIC DELUXE
16 to 40 $263.22 $445.12
41 to 50  $317.79 $500.76
51 to 55 $399.11 $636.65
56 to 60 $498.62 $786.45
61 to 65 $535.00 $839.95

i) All premiums paid for all insurances on or after the Effective Date will not be refunded after the Free Look Period or in the case of fraud or for a Prohibited Person.

ii) There is no adjustment of premium during the insurance coverage term of 12 months from the Effective Date.

iii) The annual premium rate payable will be based on the Life Insured's age at Effective Date / each Certificate Renewal Date. Life Insured's premium will change accordingly when he/she moves to the next age band.

iv) The Company reserves the right to change the rate at which the premiums are calculated on any Renewal Date or when the risks being insured under this Policy have substantially increased and provided further that the Company notifies the Policyholder at least thirty (30) days in advance.

6. UNDERWRITING AND ISSUANCE

6.1. Guaranteed Issuance Limit

GREAT Comprehensive Care is a guaranteed issuance offer plan.

6.2. Additional Notes

i) This Policy is limited to one (1) per person

No Life Insured shall be covered under more than 1 (one) of this GREAT Comprehensive Care Policy with the Company. If any Life Insured is covered under more than one such Policy, the Company will consider the Life Insured covered under the Policy with the highest benefits only and the cover of the Life Insured under such other Policy(ies) will be cancelled. Where the benefits of the additional Policy(ies) are identical, We will consider that Life Insured to be insured under the Policy first issued only and the cover of the Life Insured under such other Policy(ies) will be cancelled. The Company will refund any duplicated premium paid without interest.

ii) Geographical Limit – Policy only covers treatment received in Singapore for Accident or Illness.

7. TERMINATION

7.1. The coverage of any Life Insured shall automatically be terminated on the earliest of the following dates:

7.1.1. The date of expiration of the period for which the last premium payment is made in respect of his coverage;

7.1.2. After the expiry date of issue of his Certificate of Insurance;

7.1.3. The date the Life Insured dies;

7.1.4. When the Life Insured and/or Policyholder is/becomes a Prohibited Person;

7.1.5. The end of the Period of Insurance during which the Life Insured reaches his 65th birthday;

7.1.6. The date of the Life Insured’s notification to us that he wishes to withdraw from his insurance coverage under this Policy; or

7.1.7. When the Life Insured:

a) is not a citizen or permanent resident of the Country of Issue;

b) has resided outside the Country of Issue for more than 180 days, whether continuously or otherwise;

c) is still residing outside the Country of Issue;

7.1.8. When the Life Insured is working in Singapore under employment pass (EP holders or S Pass holders) issued by the Ministry of Manpower, and the contract of employment is terminated;

The Life Insured shall notify the Company in writing of any changes to the citizenship or residency status as soon as practicable. If the Life Insured fails to notify the Company, and there is a claim for any Claim Event(s) occurring on or after the Effective Date following the change of citizenship or residency status, the Company may reject such claim or, at its discretion, adjust the benefits payable.

7.2. This Policy shall be terminated on the date notified to the Policyholder by the Company to terminate the Policy by virtue of war (declared or undeclared) or act of war (whether or not there has been a declaration of war) where such date shall be at the discretion of the Company.

7.3. For the avoidance of doubt, in the case of termination of the Policy due to expiry of the Policy, the insurance cover for the Life Insured may be continued until the expiry date of his Certificate of Insurance.

7.4. Upon payment by the Company of any claim under Group Personal Accident by a Life Insured or a Life Insured’s personal legal representative, the Life Insured’s Certificate of Insurance shall terminate.

8. EXCLUSIONS

8.1. Group Personal Accident

8.1.1. Suicide or any attempted suicide or self-inflicted injury or illness, whether the Life Insured is sane or insane;

8.1.2. Any Pre-Existing Condition or disability which existed prior to the Life Insured becoming insured under this Policy;

8.1.3. War (declared or undeclared), hostilities, civil war or any warlike operations; military or naval or airforce service while under orders for warlike operations;

8.1.4. Participation in riot or commission of an assault or act of crime;

8.1.5. Participation in competitive racing of any kind other than on foot;

8.1.6. Insane or mental disorder;

8.1.7. The Life Insured being under the influence of alcohol or drugs except drugs prescribed by Registered Medical Practitioner for the purpose of treatment;

8.1.8. Violation or attempted violation of the law or resistance to lawful arrest or any resultant imprisonment;

8.1.9. The Life Insured being in or on an aircraft of any type or boarding or descending from any aircraft, except as a fare-paying passenger or a crew member on an aircraft on a regular scheduled route operated by a recognized airline;

8.1.10. Routine general physical or any other examination not directly related to admission, diagnosis, injury or treatment which is not Medically Necessary;

8.1.11. Congenital anomalies;

8.1.12. Acquired Immune Deficiency Syndrome (AIDS), AIDS related complications and all illnesses or diseases associated with the Human Immunodeficiency Virus (HIV);

8.1.13. Childbirth, pregnancy and complication thereof;

8.1.14. Bodily injury sustained as a result of the Life Assured parachuting or sky diving or engaging in any kind of aerial flight;

8.1.15. Accidents that arise in the course of work or at the worksite of the following occupational activities shall be excluded:

a) engaging in active military duties such as commando or bomb disposal duties/training, maintenance of civil order, engagement in hostilities whether war be declared or not and travel by military aircraft or waterborne vessel;

b) working from heights of 20 metres above the ground; or in confined spaces such as vessels, tunnels, underground civil works;

c) as professional sports;

d) operating, servicing and/or installing heavy machinery;

e) providing protective services (including bouncers, life guards, wardens and firemen);

f) work related to martial arts and the like; or as performing artists (including stuntmen);

g) work in the maritime industry (including deep sea diving and sea crews);

h) work in the aviation industry (pilots and aircrew); or

i) working on railway tracks, ships or shipyards, working in warehouses, power stations, chemical factories, industrial plants, offshore rigs, timber camps; or working in the building trade (including construction workers, cable installers, electricians); or working with wood, metal, glass or bleach.

8.2. Group Hospital & Surgical

8.2.1. Any Pre-Existing Conditions as defined, including any treatment and complication arising from the Pre-Existing Conditions;

8.2.2. Hospitalisation for treatment of any Illness commencing within 30 (thirty) days from the commencement of cover of the Life Insured concerned under the Policy, or after the 30 (thirty) days period which were follow-up medical treatment(s), consultation(s) or further investigation(s) of the Life Insured for the same condition for which he/she received medical treatment or consultation or investigation during that 30 (thirty) days period, and consequences or complications related to such conditions;

8.2.3. Routine medical examinations or check-ups, routine eye or ear examinations where there is no objective indication of impairment of normal health or any treatment or investigation of a preventive nature, vaccinations, cosmetic surgery or plastic surgery, treatment for obesity, weight reduction (including liposuction) and weight improvement programmes, rest cures and services or treatment in any home, spa hydro-clinic, sanatorium or long term care facility that is not a Hospital as defined, or any treatment which is not Medically Necessary;

8.2.4. Birth defects, congenital Illness;

8.2.5. Pregnancy or childbirth or miscarriage/abortion;

8.2.6. Tests or treatment related to infertility, contraception, sterilisation(or its reversal), varicocele, impotence or erectile dysfunction, sexual dysfunction, treatment relating to sex change, sexually transmitted diseases and any treatment or test in connection with HIV, including AIDS or any HIV/AIDS related conditions or diseases;

8.2.7. Circumcision operations unless Medically Necessary;

8.2.8. All types of Sleep Disorders including Sleep Apnoea;

8.2.9. Behavioral or Developmental Delay and/or learning disabilities in children;

8.2.10. Treatment of mental Illness, psychiatric disorders, self-inflicted injury, misuse or over dosage or excessive use of drugs/medicine, treatment for alcoholism, or abuse of alcohol or drug abuse or drug addiction, suicide or attempted suicide;

8.2.11. Refractive defects of the eye, such as nearsightedness and astigmatism;

8.2.12. All dental treatment or oral surgery related to teeth;

8.2.13. Treatment provided to an Life Insured by the Life Insured or a family member of the Life Insured, or self treatment by the Life Insured, including the dispensation of medication and/or any medical tests/procedures carried out;

8.2.14. War (declared or undeclared), hostilities, civil war or any warlike operations; military or naval or airforce service while under orders for warlike operations;

8.2.15. Participation in riot or commission of an assault or act of crime;

8.2.16. The Life Insured being under the influence of alcohol or drugs except drugs prescribed by Registered Medical Practitioner for the purpose of treatment; or

8.2.17. Violation or attempted violation of the law or resistance to lawful arrest or any resultant imprisonment. You are advised to read the Policy Terms and Conditions for the exact definitions, terms and conditions and full list of exclusions.

You are advised to read the Policy Terms and Conditions for the exact definitions, terms and conditions and full list of exclusions.

9. MISCELLANEOUS

9.1. Definition of Pre–Existing Condition

Any condition, illness, disease, disability or defect for which:

i) the Life Insured has sought medical advice, been investigated, diagnosed, hospitalised, received medical treatment, undergone surgical operation, or been prescribed drugs at any time prior to the Effective Date; or

ii) signs and symptoms manifested prior to the Effective Date, which would have caused a prudent person to seek medical advice or counselling, undergo investigation or diagnostic tests, receive medical treatment, undergo surgery, be hospitalized, or be prescribed drugs.

9.2. Definition of Total and Permanent Disability

i) For actively working Life Insured between 16 to 65 Age Next Birthday

"Total and Permanent Disability" means that the disability must be total and permanent due to Accidental Injury and that there is neither at the point of commencement of the disability nor at any time thereafter any work, occupation or profession that the Life Insured can ever sufficiently do or follow to earn or obtain any wages, compensation or profit.

ii) For Life Insured with no gainful occupation between 16 to 65 Age Next Birthday

"Total and Permanent Disability" means must be total and permanent due to Accidental Injury and the inability of the Life Insured to perform at least 3 out of 6 activities of daily living as defined below, even with the aid of special equipment, and will always require the physical assistance of another person throughout the entire activity.

The activities of daily living are:

1) Washing

The ability to wash in the bath or shower (including getting into and out of the bath or shower) or wash by other means.

2) Dressing

The ability to put on, take off, secure and unfasten all garments and as appropriate, any braces, artificial Limbs or other surgical or medical appliances.

3) Feeding

The ability to feed oneself food after it has been prepared and made available.

4) Mobility

The ability to move indoors from room to room on level surfaces.

5) Toileting

The ability to use the lavatory or manage bowel and bladder function through the use of protective undergarments or surgical appliances so as to maintain a satisfactory level of personal hygiene.

6) Transferring

The ability to move from a bed to an upright chair or wheelchair and vice versa.

iii) Presumptive definition of Total and Permanent Disability - For Life Insured between 16 to 65 Age Next Birthday

An Life Insured shall be regarded as being totally and permanently disabled under the following definition of disability if that Life Insured, due to Accidental Injury, has been subject to one (or more) of the following impairments:

a) The total and irrecoverable loss of sight of both eyes; or

b) The loss by severance or loss of permanent use of both hands at or above the wrists or both feet at or above the ankles; or

c) The loss by severance or loss of permanent use of one hand at or above the wrist and one foot at or above the ankle; or

d) The loss by severance or loss of permanent use of one limb at or above the wrist or ankle and loss of sight of one eye

For (i) and (ii), the Total and Permanent Disability must be deemed permanent in the opinion of a Registered Medical Practitioner.

The Total and Permanent Disability shall have lasted for not less than six (6) months duration and upon receipt of satisfactory proof of such Total and Permanent Disability, the Sum Assured shall become payable to the Life Insured.

9.3. Risk of the Plan

Definitions of the insured events must be met before a claim can be approved and these events must not fall under the list of exclusions.

9.4. Free Look Period

We give you a period of fourteen (14) days from the date your insurance coverage is effective, during which you can review the Certificate of Insurance. If you decide the Certificate of Insurance is not suitable for your needs, you can inform us in writing within fourteen (14) days from the date you receive the Certificate of Insurance and we will refund any premium paid without interest. We will send a withdrawal notice to you to confirm the cancellation.

9.5. Cancellation of Policy

If the Company terminates the Policy, insurance coverage for Life Insured shall continue with no premium refund.

9.6. Cancellation of Insurance Coverage

This Certificate of Insurance may be terminated by the Company or the Life Insured by giving 30 days’ notice in writing. Termination of this Certificate of Insurance by the Life Insured or the Company shall be without prejudice to any claim arising prior to such termination. If the Certificate of Insurance is terminated by the Company, a prorata premium (without interest) will be refunded to the Life Insured. If the Certificate of Insurance is terminated by the Life Insured, no premium will be refunded.

9.7. Profits / Surrender Value

The Policy will not participate in the profits of the Company and no surrender value will be paid in respect of any cover terminated before the expiry of the Period of Insurance.

9.8. Warning Against Early Termination or Switching of Policies

It is usually detrimental to replace an existing accident and health policy with a new one. A penalty may be imposed for early policy termination and the new policy may cost more or have less benefits at the same cost.

9.9. Policy Owners’ Protection Scheme

This Policy is 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 the Life Insured. 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 the Company or visit the Life Insurance Association (LIA) or SDIC websites (www.lia.org.sg or www.sdic.org.sg)

9.10. General Information

This product summary 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 Terms & Conditions.

You are responsible for the accuracy and completeness of the information given to us:

(i) in any application for the policy; and

(ii) when making any claim under the policy.

You can download a copy of "Your Guide to Health Insurance" on www.greateasternlife.com or www.lia.org.sg.

You may visit Great Eastern’s website for information on how to make a claim.

This policy is not a MediSave-approved policy and you may not use MediSave to pay the premium for this policy.

This is a short-term accident and health policy and the insurer is not required to renew this policy. The insurer may terminate this policy by giving you 30 days notice in writing.

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Great Eastern Holdings Ltd | Great Eastern Life Assurance Co Ltd | Great Eastern General Insurance Ltd
Great Eastern Holdings Ltd | Great Eastern Life Assurance Co Ltd | Great Eastern General Insurance Ltd