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 helps cover a majority of the hospitalisation costs you may incur at different life stages. When GREAT SupremeHealth is supplemented with GREAT TotalCare, it offers comprehensive protection, covering up to 95%† of your total hospitalisation bill due to an illness or injury, keeping out-of-pocket expenses to a minimum.
Access a wide range of healthcare options in Singapore with GREAT SupremeHealth + GREAT TotalCare
Cover up to 95%† of your total hospitalisation bill
Unlike most corporate insurance policies, which typically end when your employment ceases, our plans offer guaranteed lifetime protection regardless of your employment status. Enjoy greater financial stability with coverage of up to 95%† of your hospitalisation bills, whether you choose Restructured Hospitals or Private Panel Providers.
Comprehensive 24/7 worldwide medical protection
Gain access to comprehensive medical coverage worldwide by adding the GREAT TotalCare Plus rider to your GREAT TotalCare supplementary plan. Additionally, if you suffer a serious injury or medical condition outside of Singapore, the GREAT TotalCare Plus rider also covers Emergency Assistance Services, including Emergency Medical Evacuation and Emergency Medical Repatriation.
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 discharge3, including physical, occupational and speech therapy.
By supplementing your GREAT SupremeHealth coverage with GREAT TotalCare, you will also receive coverage for Traditional Chinese Medicine treatments4 administered within 180 days of hospitalisation discharge, as well as for the purchase or rental of medical aids5 like braces to support your rehabilitation.
Access exclusive Health Connect benefits
Not familiar with Singapore’s healthcare system? Our dedicated call-in service, Health Connect, 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. Am I eligible to purchase GREAT SupremeHealth as a foreigner?
To purchase GREAT SupremeHealth, you must have a bona-fidé residential address in Singapore and a valid pass issued by the Ministry of Manpower/ Immigration & Checkpoints (ICA) of Singapore, with a validity of at least 6 months from the date of your application.
You can only purchase GREAT SupremeHealth P Plus or A Plus plan types. 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.
Please speak to our Financial Representative who will be able to share more about your options.
2. Do I still need to buy GREAT SupremeHealth if I am already covered under my company’s medical insurance?
Your company’s medical insurance might not be sufficient if you prefer higher benefit limits and hospital ward class. As such, you may consider getting GREAT SupremeHealth to enhance your medical coverage.
In addition, your company’s medical insurance coverage might cease when you leave your job but with GREAT SupremeHealth, you will be covered regardless of your employment status as long as you have a bona-fidé residential address in Singapore, a valid pass issued by the Ministry of Manpower/ Immigration & Checkpoints (ICA) of Singapore and did not reside outside of Singapore for more than 180 days.
3. My company’s medical insurance covers me regardless of my health conditions, will GREAT SupremeHealth cover my pre-existing conditions too?
GREAT SupremeHealth does not provide coverage for pre-existing conditions.
4. If I go back to my home country for a short visit or go on work trips overseas, will GREAT SupremeHealth cover my medical expenses overseas?
GREAT SupremeHealth only covers expenses for emergency medical or surgical treatment in an overseas hospital.
For overseas non-emergency medical or surgical treatment coverage, you can consider adding the supplementary plan GREAT TotalCare and its rider GREAT TotalCare Plus to your GREAT SupremeHealth plan.
GREAT TotalCare is a supplementary plan to GREAT SupremeHealth that helps to partially 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 such as coverage for Outpatient Cancer Drug Treatment not on the Cancer Drug List and Emergency Accidental Outpatient Treatment.
| GREAT SupremeHealth Plan Type | Corresponding GREAT TotalCare Plan Type |
| P Plus | P Signature; or P Optimum |
| A Plus | A; or Basic A |
GREAT TotalCare Plus is a rider to GREAT TotalCare that extends GREAT SupremeHealth’s and GREAT TotalCare’s medical coverage worldwide. It provides coverage for overseas emergency and non-emergency medical or surgical treatment.
In addition, if you suffer a serious injury or serious medical condition outside of Singapore and require support, the GREAT TotalCare Plus rider also provides coverage for Emergency Assistance Services such as Emergency Medical Evacuation and Emergency Medical Repatriation.
You can only purchase GREAT TotalCare Plus if you are covered under GREAT SupremeHealth P Plus and GREAT TotalCare P Signature or P Optimum plans.
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, GREAT TotalCare P Optimum and GREAT TotalCare Plus plans include 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: 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 GREATSupremeHealth. 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 Expenses 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.
4 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.
5 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.
6 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.
7 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 ), GREAT TotalCare and GREAT TotalCare Plus is age 75 years next birthday.
GREAT TotalCare and GREAT TotalCare Plus are not MediSave-approved Integrated Shield plans and premiums are not payable using MediSave. GREAT TotalCare is designed to complement the benefits offered under GREAT SupremeHealth. GREAT TotalCare Plus is a rider that can only be attached to GREAT TotalCare to extend medical coverage worldwide.
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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