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Right-size your hospitalisation policy

Review your GREAT SupremeHealth (GSH) or GREAT TotalCare (GTC) hospitalisation policies that are due for renewal from 1 November 2025.

A right-sized hospitalisation policy is financially sustainable and covers your specialist and hospital preferences.

Your hospitalisation cover includes your Integrated Shield Plan (IP) and an optional supplementary plan. If you wish to review your coverage, you may consider our other hospitalisation plans.

Understanding the changes and taking action for your IP

Frequently asked questions for renewal from 1 Nov 2025

We have revised the premiums and benefits of GSH and GTC since 1 November 2025. The changes will apply when you renew your policies. Refer to the summary of key changes to GSH and GTC below.

Changes to GREAT SupremeHealth

GREAT SupremeHealth (GSH)
Plan type As-Charged Plans Standard Non As-Charged Plans
(withdrawn plans)
GSH P Plus GSH A Plus GSH B Plus GSH A GSH B
Premium Revisions
Changes in premium (for Additional Private Insurance coverage) ✓* ✓ ✓ No change* No change* No change*
Benefits Revisions
Introduction of new Outpatient Benefits ✓ ✓ ✓ Not covered ✓ ✓
Revision to Cell, Tissue and Gene Therapy (CTGTP) Benefit ✓ ✓ ✓ CTGTPs not on MOH’s CTGTP List
will not be covered		 ✓ ✓
Increase in Annual Benefit Limits & other Benefit Limits No change ✓ No change No change No change No change
Revision in deductibles for Ward B2+/B2/C and Short-Stay Ward ✓ ✓ ✓ No change No change No change
Revision of termination clauses for Foreigners residing overseas Policies for a Life Assured who is a foreigner and resides outside of Singapore for more than 180 days within a single period of insurance will no longer be terminated as long as the Life Assured holds an Eligible Valid Pass.
Revision in High-Cost Drug Treatment Following MOH’s introduction of a positive list of clinically-effective and cost-effective drugs for blood conditions or childhood-onset conditions, expenses for high-cost drugs used to treat medical conditions covered under MediShield Life (“MSHL”) will now only be covered under the GSH plans if the drug is listed on the MSHL Benefit Schedule (go.gov.sg/mshlbenefits).

*Except when you have moved to a higher attained age with a published premium increase

Refer to the detailed summaries for benefit charges

Changes to GREAT TotalCare (GTC)

GREAT TotalCare (GTC)
Plan type GTC P Signature GTC A GTC B GTC P Optimum
(withdrawn plan)		 GTC Basic A GTC Basic B
Premium Revisions
Changes in premium ✓ ✓ ✓ ✓ No change* No change*
Benefits Revisions
Introduction of new Post-Stroke Outpatient Care Support ✓ ✓ ✓ ✓ ✓ ✓
Introduction of new Extended Cell, Tissue and Gene Therapy Benefit ✓ ✓ ✓ ✓ ✓ ✓
Revision in Benefit Limits ✓ ✓ ✓ ✓ ✓ ✓
Revision of termination clauses for Foreigners residing overseas Policies for a Life Assured who is a foreigner and resides outside of Singapore for more than 180 days within a single period of insurance will no longer be terminated as long as the Life Assured holds an Eligible Valid Pass (similar to changes to GREAT SupremeHealth plans).
GREAT TotalCare Plus rider (If applicable)
Changes in premium No change*  
Revision in Benefits The following benefit changes apply:
  1. Emergency Assistance Services Benefits will only be provided if Life Assured has not resided outside the Country of Issue for more than 365 days continuously.
  2. Extension to treatment overseas under this rider will only be provided if Life Assured has not resided outside the Country of Issue for more than 180 days continuously.
 
*Except when you have moved to a higher attained age with a published premium increase
Refer to the detailed summary of benefit changes

We review our IP and supplementary plans regularly to ensure they remain sustainable and meet your long-term medical and hospitalisation needs. In recent years, medical claims have risen due to higher medical costs. Therefore, we need to adjust some benefits and premiums so they align with the rising healthcare costs, while providing you with adequate coverage.

The changes will take effect on your policy renewal date, if it falls from 1 November 2025. You will receive a notification letter from us at least 30 days before your policy renewal date. You can retrieve a copy of the notification letter or check your policy renewal date by viewing your policy details on the Great Eastern App.

If your plan is due for renewal from 1 November 2025, the revised coverage will apply from your policy renewal and replace your previous coverage.

The changes and their impact may vary by plan type and may include benefit revisions and premium adjustments.

We encourage you to review your plans to ensure that they meet your actual healthcare needs and financial priorities.

If you would like assistance with reviewing your options, reach out to your Financial Representative. Alternatively, you may contact our customer service for assistance.

If the increased premiums are no longer within your budget, you may consider downgrading your existing GSH and GTC plan to a lower hospital and ward entitlement.

If you have a GTC P Signature policy that is due for renewal between 1 November 2025 and 31 October 2026, you may want to consider converting to a GTC P Optimum policy for a more affordable private hospitalisation plan. You have up to 6 months from your policy renewal date to make the conversion. Here is a guide that shows the key differences between GTC P Signature and GTC P Optimum to help you decide which plan fits your needs.

Find out how to downgrade your plan.

There is no immediate impact on you. You will continue to enjoy the benefits under your current GTC plans. You may change to the new GTC2 plans at any time. Find out more about the MOH requirements.

Understanding your plan options

The table provides an overview of some hospitalisation plans you can consider right-sizing to.

Sample Plans GREAT SupremeHealth P Plus + GREAT TotalCare 2 P GREAT SupremeHealth P Plus GREAT SupremeHealth P Prime + GREAT TotalCare 2 Prime GREAT SupremeHealth A Plus + GREAT TotalCare 2 A
Plan Descriptions Private Hospital (Panel Provider) Plan with Supplementary Coverage Private Hospital (Panel Provider) Plan Private Hospital Plan for Partnering Medical Institutions (Panel Provider) with Supplementary Coverage Restructured Hospital A Ward Plan with Supplementary Coverage
Coverage based on the Sample Plans and Plan Descriptions listed above
Access to Specialists

All private panel specialists

All restructured specialists

All private panel specialists

All restructured specialists

Up to 600+ private panel specialists

All restructured specialists

 All restructured specialists
Access to Medical Institutions

All private medical institutions

All restructured hospitals

All private medical institutions

All restructured hospitals

Private partnering medical institutions

All restructured hospitals

 All restructured hospitals

Deductible

What you pay for your bill before any benefit is paid for age 80 and below

 You pay up to S$3,500 You pay up to S$3,500 You pay up to S$3,500 You pay up to S$3,500

Co-insurance

Up to 10% of the remaining bill you pay after paying the deductible

 You pay up to 50% of co-insurance amount You pay 100% of co-insurance amount You pay up to 50% of co-insurance amount You pay up to 50% of co-insurance amount

Co-payment cap (per policy year)

Caps the total amount you need to pay for the co-payment and co-insurance

 S$6,000 N.A. S$6,000 S$6,000
Annual benefit limits for GSH Covered up to S$1.5 million Covered up to S$1.5 million Covered up to S$2.5 million Covered up to S$1.2 million
Annual benefit limits for GTC2 Covered up to S$400,000 N.A. Covered up to S$400,000 Covered up to S$200,000

Non-Cancer Drug List coverage

Covers Class A, B, C, D and E outpatient treatments of the non-Cancer Drug List

 ✓ N.A. ✓ ✓
Premiums (exclude MediShield Life premiums)

Annual

*Based on age 40

 S$1,715 S$680 S$848 S$281

Lifetime

*From age 40 to 80

 S$358,823 S$175,590 S$194,635 S$61,578

Notes:

  • Illustrated premiums include 9% GST and actual figures will vary according to the age attained. Future premiums are non-guaranteed and may be subject to change.
  • Premiums are based on new and or renewing GREAT SupremeHealth (GSH) policies from 1 November 2025 and new GREAT TotalCare 2 (GTC2) policies from 1 April 2026. For more details, refer to the benefit schedule and premium rates.

Evaluating your long-term insurance costs

We encourage you to review your plans annually to ensure that they continue to meet your actual healthcare needs and financial priorities.

The Central Provident Fund Board's Health Insurance Planner allows you to evaluate if you can afford your preferred coverage over the long term.

How to downgrade your plan

You can downgrade to a lower plan using the Great Eastern App by following these steps.

Alternatively, you can contact your financial representative. Alternatively, you may contact our customer service for assistance.

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