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 Plan and supplementary plans is designed to complement MediShield Life, providing your child with optimal coverage for their hospitalisation needs at every stage of life. By supplementing GREAT SupremeHealth, a MediSave-approved Integrated Shield Plan, with GREAT TotalCare, you can be covered for up to 95%† of your child’s total hospitalisation bill due to an illness or injury, keeping out-of-pocket expenses to a minimum.
Ensure comprehensive protection for your child with GREAT SupremeHealth + GREAT TotalCare
Secure your child’s healthcare coverage as early as 15 days after birth
Infants are vulnerable to illness and injury, which can lead to unexpected hospitalisation. That’s why it’s crucial to secure your child’s healthcare coverage as early as 15 days after birth. Choose from our wide range of plan types designed to provide comprehensive protection tailored to your child’s medical needs.
Cover up to 95%† of your total hospitalisation bills for life
Whether you prefer your child to receive medical care at Restructured Hospitals or Private Panel Providers, our plans ensure financial peace of mind by covering up to 95%† of your child’s total hospitalisation bill for life.
Protect against congenital abnormalities as early as possible
While prenatal check-ups can identify possible congenital abnormalities, some conditions, such as congenital heart defects and polycystic kidney disease, may only be diagnosed at a later stage after birth. With our plans, you can rest assured knowing that as-charged coverage is provided for congenital abnormalities diagnosed after policy inception.
For mothers insured with GREAT SupremeHealth, their child's congenital abnormalities3 are covered right from birth.
Support your child through every step of their medical treatment and care
Ensure a speedy recovery for your child by staying with them during their hospital stay. By supplementing your child’s GREAT SupremeHealth coverage with GREAT TotalCare, the Companion Accommodation Benefit covers your accommodation costs4 during their hospitalisation. This allows you to stay by your child’s side in the hospital, providing vital physical and emotional support during this critical time.
Access exclusive Health Connect benefits
With Health Connect, our dedicated call-in service, we 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, with more than 40 private specialists in paediatric care
- 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 Optimum support your child's hospital bill at affordable premium
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. What is MediShield Life?
MediShield Life is a compulsory basic health insurance plan, administered by the Central Provident Fund (CPF) Board, that provides Singapore Citizens and Permanent Residents with universal and lifelong protection against large hospital bills and selected costly outpatient treatments, such as dialysis and chemotherapy for cancer, 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.
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
- An additional private insurance coverage provided by The Great Eastern Life Assurance Company Limited.
By purchasing GREAT SupremeHealth, you will enjoy the combined coverage of MediShield Life and GREAT SupremeHealth. Your GREAT SupremeHealth premium includes both the MediShield Life premium and the additional private insurance coverage premium.
3. Do I still need to buy GREAT SupremeHealth if my child is covered under MediShield Life or my company’s medical insurance?
You can consider getting GREAT SupremeHealth to complement your child’s MediShield Life coverage or company’s medical insurance if you prefer higher benefit limits and hospital ward class.
Your company’s medical insurance coverage for your child might cease when you leave your job but with GREAT SupremeHealth, your child will be covered for a lifetime.
4. When can I buy GREAT SupremeHealth for my newborn?
To apply for GREAT SupremeHealth for your newborn child, he/she will need to be at least 15 days old or discharged from the hospital, whichever is later.
Protect yourself and your loved ones from unplanned medical emergencies. Additionally, your child will receive lifetime coverage for congenital abnormalities after policy inception.
5. Which GREAT SupremeHealth plan should I consider purchasing for my child?
You should consider your medical care preferences for your child 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.
6. Can MediSave funds be used to pay for GREAT SupremeHealth?
GREAT SupremeHealth is a MediSave-approved Integrated Shield plan and premiums are payable using MediSave funds up to the additional withdrawal limits based on age. Any premium excess would need to be paid in cash. You may refer to the Ministry of Health of Singapore’s website for the prevailing MediSave Additional Withdrawal Limits.
7. MediShield Life covers my child regardless of his/her health conditions, will GREAT SupremeHealth cover my child’s 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.
8. Will GREAT SupremeHealth cover my child’s outpatient medical expenses at the paediatrician?
GREAT SupremeHealth does not cover outpatient paediatrician bills unless such expenses are eligible for claim under the Pre-Hospitalisation Treatment and Post-Hospitalisation Treatment benefits.
2. Which GREAT TotalCare plan should I consider if I have a GREAT SupremeHealth plan?
GREAT SupremeHealth Plan Type |
Corresponding GREAT TotalCare Plan Type |
P Plus |
P Signature; or P Optimum |
A Plus |
A; or |
B Plus |
B; or |
3. Can I use my MediSave to pay for GREAT TotalCare?
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 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.
§ MediShield Life premium is fully payable by MediSave and there are no withdrawal limits. The premium of the additional private insurance component of GREAT SupremeHealth is payable by MediSave up to the Additional Withdrawal Limit, beyond which cash is required.
* 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 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).
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 Applicable to treatment provided to the Life Assured’s biological child during hospitalisation of the child for treatment related to congenital abnormalities. Such expenses must be incurred within (and including) 730 Days from Date of Birth of the Child. Such condition(s) must be first diagnosed after 300 days from the Last Policy Effective Date, and any expenses incurred in connection with condition(s) which are first diagnosed within 300 days after the Last Policy Effective Date are not payable. Please refer to the product summary for the respective benefit limits under the various plans under GREAT SupremeHealth.
4 All accommodation expenses incurred by the Life Assured’s parent, legal guardian, legal spouse, sibling, biological child or legally adopted child who is above 18 years next birthday during the hospitalisation of the Life Assured, provided that the medical treatments for the Life Assured are covered under this policy. The expenses incurred will be subject to the daily Benefit Limit of this policy up to 10 days per hospitalisation and co-payment, where applicable.
5 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.
6 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.
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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