Changes to GREAT SupremeHealth
and GREAT TotalCare plans for renewals
from 1 October 2024^

What are the benefit changes made to my GREAT SupremeHealth (GSH) plan?

There will be changes to the following benefits of your GSH plan that will take effect on your policy Renewal Date.

For GSH P Plus, A Plus and B Plus

a) MIC@Home coverage
b) Outpatient Cancer Drug Treatment on the Cancer Drug List
c) Outpatient Cancer Drug Services
d) Pregnancy and Childbirth Complications
e) Expenses for Psychiatric Treatment
f) Expenses for Surgery
g) Expenses for Inpatient Sub-Acute
h) Expenses for Inpatient Rehabilitative Care
i) Expenses for Inpatient Palliative Care
j) Pre-Hospitalisation Treatment
k) Expenses prior to outpatient kidney dialysis treatment, proton beam therapy, cell, tissue and gene therapy, radiotherapy for cancer and cancer drug treatment
l) Expenses for Proton Beam Therapy
m) Coverage of Living Donor Organ Transplant
n) Deductible
o) Pro-ration Factor

Please refer to Appendix A.1 for a detailed summary of the benefits changes to your GSH plan.

Details of benefits changes for GSH Standard and GSH Non As-Charged plans (GSH A and GSH B) are listed in Appendix A.2 and Appendix A.3 respectively

2.1 Are there premium changes for GREAT SupremeHealth (GSH) plan?

For GSH P Plus

There will be a revision to your GSH premium upon your policy renewal.  This revision is necessary to ensure that we are able to continue to cater to your long-term healthcare needs on a sustainable basis.

For GSH A Plus, B Plus, A, B and Standard

There is no premium increase for your GSH except in the following circumstances:
• when you have moved to a higher attained age with a published premium increase, and/or
• when the Goods and Services Tax (“GST”) rate (from 8% to 9% in 2024) is revised in Singapore.

2.2 Does Great Eastern plan to raise the premiums in the near future?

Premiums and benefits of our Integrated Shield Plans and GREAT TotalCare are periodically reviewed and revised to reflect our claims experience, healthcare cost inflation and the increasing price of medical treatment / services. If there is any premium revision, you will be notified at least 30 days before the renewal date of your policy.

2.3 What can I do if I wish to enhance my current coverage?

Depending on your needs and preference, for optimal healthcare coverage, you may wish to enhance your coverage with GREAT TotalCare. When supplemented with our GREAT TotalCare plan, you will enjoy additional coverage such as coverage on deductible (if applicable) and co-insurance as well as additional outpatient cancer coverage.

If you wish to review your healthcare coverage or to opt for an alternative plan to right-size your benefits, you may also approach your Financial Representative or call our Customer Service Officers at 1800 248-2888 or email us at wecare-sg@greateasternlife.com for assistance.
 

1.1 What are the benefit changes made to my GREAT SupremeHealth (GSH) plan?

There will be changes to the following benefits of your GSH plan that will take effect on your policy Renewal Date.

For GSH P Plus

a) MIC@Home coverage
b) Outpatient Cancer Drug Treatment on the Cancer Drug List
c) Outpatient Cancer Drug Services
d) Pregnancy and Childbirth Complications
e) Expenses for Psychiatric Treatment
f) Expenses for Surgery
g) Expenses for Inpatient Sub-Acute
h) Expenses for Inpatient Rehabilitative Care
i) Expenses for Inpatient Palliative Care
j) Pre-Hospitalisation Treatment
k) Expenses prior to outpatient kidney dialysis treatment, proton beam therapy, cell, tissue and gene therapy, radiotherapy for cancer and cancer drug treatment
l) Expenses for Proton Beam Therapy
m) Coverage of Living Donor Organ Transplant
n) Deductible
 

Please refer to Appendix A.1 for a detailed summary of the benefits changes to your GSH plan.

1.2 What are the benefit changes made to my GREAT TotalCare (GTC) plan?

There will be changes to the following benefits of your GTC plan that will take effect on your policy Renewal Date.
a) Excess Expense - Outpatient Cancer Drug Treatment on the Cancer Drug List
b) Excess Expense - Outpatient Cancer Drug Services
c) Outpatient Cancer Drug Treatment not on the Cancer Drug List
d) Deductible, Co-insurance and Loss Limit
e) Co-payment for Special Benefits

Please refer to Appendix B for a detailed summary of the benefits changes to your GTC plan.
 

2.1 Are there premium changes for GREAT SupremeHealth (GSH) plan?

For GSH P Plus

There will be a revision to your GSH premium upon your policy renewal.  This revision is necessary to ensure that we are able to continue to cater to your long-term healthcare needs on a sustainable basis.

2.2 Are there premium changes for GREAT TotalCare (GTC) plan?

For GTC P and P Select

As these plans will be transitioned to the new supplementary plans (GTC P Signature and GTC P Optimum respectively), there will be a revision in the premium upon your policy renewal. This revision is necessary to ensure we are able to continue to cater to your long-term healthcare needs on a sustainable basis.

2.3 Does Great Eastern plan to raise the premiums in the near future?

Premiums and benefits of our Integrated Shield Plans and GREAT TotalCare are periodically reviewed and revised to reflect our claims experience, healthcare cost inflation and the increasing price of medical treatment / services. If there is any premium revision, you will be notified at least 30 days before the renewal date of your policy.
 
2.4 What can I do if the premiums are no longer within my budget?

You may consider downgrading your Integrated Shield plan to a lower hospital and ward entitlement plan (e.g. GSH P Plus to GSH A Plus). For your GTC supplementary plan, you may consider downgrading to a lower-tier plan where premiums are more affordable, and yet will not compromise your option to seek treatment at your preferred hospital and ward entitlement (e.g. GTC P Signature to GTC P Optimum).

If you wish to downgrade, you may do so by logging in to eConnect or Great Eastern Singapore App and follow the steps below:
Step 1: Log in to the Great Eastern Singapore App / eConnect
Step 2: Under “Services” tab, select “Plan Conversion”
Step 3: Make declarations, and select the plan you wish to downgrade to
Step 4: Confirm selection of plan 

Alternatively, you may reach out to your Financial Representative or call our Customer Service Officers at 1800 248-2888 or email us at wecare-sg@greateasternlife.com for assistance.

2.5 What can I do if I wish to enhance my current coverage?

For optimal healthcare coverage, you may wish to enhance your coverage by reviewing the plan type of your GREAT SupremeHealth and/or GREAT TotalCare, according to your needs and preference.

Any upgrade of plan will be subject to medical underwriting, unless otherwise stated.
*For GTC P Select customers who are automatically transitioned into GTC P Optimum, we have extended a grace period of 60 days from your policy Renewal Date for you to upgrade to GTC P Signature, without any medical underwriting.

If you wish to review your healthcare coverage or to opt for an alternative plan to right-size your benefits, you may also approach your Financial Representative or call our Customer Service Officers at 1800 248-2888 or email us at wecare-sg@greateasternlife.com for assistance.
 

Are there changes to the current Claims-Adjusted Pricing (CAP) framework?

Yes, there will be revisions to the CAP structure on your Renewal Date. In addition, from 1 April 2024 onwards, CAP will only be applicable to the GTC P Signature plan.

GTC P Optimum plan customers will not be subject to CAP.

Please refer to Appendix C for CAP changes for GTC P Signature.
 

5.1 Is there any action required from me if I agree to the transition?

Upon receipt of your premium payment, your policy will be automatically renewed into the corresponding plan type as described above. Please proceed to pay your premiums on time to avoid any gaps in your coverage. If your premiums are paid via recurring payment method (such as credit card or Giro arrangement), the deductions will proceed as scheduled. No further action is required on your end.

5.2 Can I keep my existing GTC P or GTC P Select plan?

No. GTC P and GTC P Select will no longer be available. With effect from 1 April 2024, all existing GTC P and P Select supplementary plans will automatically be transitioned into GTC P Signature and GTC P Optimum, respectively, upon their policy renewal.

5.3 What other options do I have if I am not agreeable to the supplementary plan that Great Eastern has automatically transitioned me to?

We have a variety of plans to cater to the needs and affordability of our customers. You may consider switching to other plans within our Integrated Shield plans and supplementary plans, in line with your healthcare needs and budget. Please refer to Appendix D for an overview of the full suite of our GSH/GTC plans.
However, please note that:
- At the point of upgrading / downgrading, GTC plan type must match the GSH hospital and ward entitlement that it is attachable to.
- For any upgrading of plan, medical underwriting* is required.

*For GTC P Select customers who are automatically transitioned into GTC P Optimum, we have extended a grace period of 60 days from your policy Renewal Date for you to upgrade to GTC P Signature, without any medical underwriting. Upon your selection to upgrade, Great Eastern will send a letter informing you of the amount to top up. We will be pleased to extend your coverage under the new plan from the Renewal Date. If you would like to upgrade your plan, please contact your Financial Representative; call our Customer Service Officers at 1800 248-2888 ; or email us at wecare-sg@greateasternlife.com

Alternatively, if you wish to review the coverage of your plan or to opt for an alternative plan to right-size your benefits, you may also approach your Financial Representative.

5.4 I have made claims on my policy during the policy year prior to such transition. How will my claims payout be affected by the transition?

Your claims will be assessed based on the applicable benefits limits and policy conditions of the policy year during which such claims are incurred.

Some of the benefit changes may affect your coverage for deductible, which is determined based on the source of medical provider of your choice.

If you need someone to walkthrough the changes with you or if you would like to review your plan, please contact your Financial Representative; call our Customer Service Officers at 1800 248-2888 ; or email us at wecare-sg@greateasternlife.com
 

5.5 I have made claims on my policy during the policy year prior to such transition. How will my claims payout be affected by the transition?

Your claims will be assessed based on the applicable benefits limits and policy conditions of the policy year during which such claims are incurred.

Some of the benefit changes may affect your coverage for deductible, which is determined based on the source of medical provider of your choice.

If you need someone to walkthrough the changes with you or if you would like to review your plan, please contact your Financial Representative; call our Customer Service Officers at 1800 248-2888 ; or email  us at  wecare-sg@greateasternlife.com

1.1 What are the benefit changes made to my GREAT SupremeHealth (GSH) plan?

There will be changes to the following benefits of your GSH plan that will take effect on your policy Renewal Date.

For GSH A Plus and B Plus

a) MIC@Home coverage
b) Outpatient Cancer Drug Treatment on the Cancer Drug List
c) Outpatient Cancer Drug Services
d) Pregnancy and Childbirth Complications
e) Expenses for Psychiatric Treatment
f) Expenses for Surgery
g) Expenses for Inpatient Sub-Acute
h) Expenses for Inpatient Rehabilitative Care
i) Expenses for Inpatient Palliative Care
j) Pre-Hospitalisation Treatment
k) Expenses prior to outpatient kidney dialysis treatment, proton beam therapy, cell, tissue and gene therapy, radiotherapy for cancer and cancer drug treatment
l) Expenses for Proton Beam Therapy
m) Coverage of Living Donor Organ Transplant
n) Deductible
o) Pro-ration Factor

Please refer to Appendix A.1 for a detailed summary of the benefits changes to your GSH plan.

1.2 What are the benefit changes made to my GREAT TotalCare (GTC) plan?

There will be changes to the following benefits of your GTC plan that will take effect on your policy Renewal Date.
a) Excess Expense - Outpatient Cancer Drug Treatment on the Cancer Drug List
b) Excess Expense - Outpatient Cancer Drug Services
c) Outpatient Cancer Drug Treatment not on the Cancer Drug List
d) Deductible, Co-insurance and Loss Limit
e) Co-payment for Special Benefits

Please refer to Appendix B for a detailed summary of the benefits changes to your GTC plan. 

2.1 Are there premium changes for GREAT SupremeHealth (GSH) plan?

For GSH A Plus, B Plus

There is no premium increase for your GSH except in the following circumstances:

• when you have moved to a higher attained age with a published premium increase, and/or
• when the Goods and Services Tax (“GST”) rate (from 8% to 9% in 2024) is revised in Singapore.

2.2 Are there premium changes for GREAT TotalCare (GTC) plan?

For GTC A, B, BASIC A and BASIC B
There is no premium increase for your GTC except in the following circumstances:
• when you have moved to a higher attained age with a published premium increase, and/or
• when the Goods and Services Tax (“GST”) rate (e.g. from 8% to 9% in 2024) is revised in Singapore.

2.3 Does Great Eastern plan to raise the premiums in the near future?

Premiums and benefits of our Integrated Shield Plans and GREAT TotalCare are periodically reviewed and revised to reflect our claims experience, healthcare cost inflation and the increasing price of medical treatment / services. If there is any premium revision, you will be notified at least 30 days before the renewal date of your policy.

2.4 What can I do if the premiums are no longer within my budget?

You may consider downgrading your Integrated Shield plan to a lower hospital and ward entitlement plan (e.g. GSH P Plus to GSH A Plus). For your GTC supplementary plan, you may consider downgrading to a lower-tier plan where premiums are more affordable, and yet will not compromise your option to seek treatment at your preferred hospital and ward entitlement (e.g. GTC P Signature to GTC P Optimum).

If you wish to downgrade, you may do so by logging in to eConnect or Great Eastern Singapore App and follow the steps below:
Step 1: Log in to the Great Eastern Singapore App / eConnect
Step 2: Under “Services” tab, select “Plan Conversion”
Step 3: Make declarations, and select the plan you wish to downgrade to 
Step 4: Confirm selection of plan

Alternatively, you may reach out to your Financial Representative or call our Customer Service Officers at 1800 248-2888 or email us at wecare-sg@greateasternlife.com for assistance.

2.5 What can I do if I wish to enhance my current coverage?

For optimal healthcare coverage, you may wish to enhance your coverage by reviewing the plan type of your GREAT SupremeHealth and/or GREAT TotalCare, according to your needs and preference.
Any upgrade of plan will be subject to medical underwriting.

If you wish to review your healthcare coverage or to opt for an alternative plan to right-size your benefits, you may also approach your Financial Representative or call our Customer Service Officers at 1800 248-2888 or email us at wecare-sg@greateasternlife.com for assistance.
 

1.1 What are the benefit changes made to my GREAT SupremeHealth (GSH) plan?

There will be changes to the following benefits of your GSH plan that will take effect on your Renewal Date.

For GSH P Plus, A Plus and B Plus

a) MIC@Home coverage
b) Outpatient Cancer Drug Treatment on the Cancer Drug List
c) Outpatient Cancer Drug Services
d) Pregnancy and Childbirth Complications
e) Expenses for Psychiatric Treatment
f) Expenses for Surgery
g) Expenses for Inpatient Sub-Acute
h) Expenses for Inpatient Rehabilitative Care
i) Expenses for Inpatient Palliative Care
j) Pre-Hospitalisation Treatment
k) Expenses prior to outpatient kidney dialysis treatment, proton beam therapy, cell, tissue and gene therapy, radiotherapy for cancer and cancer drug treatment
l) Expenses for Proton Beam Therapy
m) Coverage of Living Donor Organ Transplant
n) Deductible
o) Pro-ration Factor

Please refer to Appendix A.1 for a detailed summary of the benefits changes to your GSH plan. 

Details of benefits changes for GSH Standard and GSH Non As-Charged plans (GSH A and GSH B) are listed in Appendix A.2 and Appendix A.3 respectively.

1.2 What are the benefit changes made to my GREAT TotalCare (GTC) plan?

There will be changes to the following benefits of your GTC plan that will take effect on your Renewal Date.
a) Excess Expense – Outpatient Cancer Drug Treatment on the Cancer Drug List
b) Excess Expense – Outpatient Cancer Drug Services
c) Outpatient Cancer Drug Treatment not on the Cancer Drug List
d) Deductible, Co-insurance and Loss Limit
e) Co-payment for Special Benefits

Please refer to Appendix B for a detailed summary of the benefits changes to your GTC plan.

2.1 Are there premium changes for GREAT SupremeHealth (GSH) plan?

For GSH P Plus

There will be a revision to your GSH premium upon your policy renewal.  This revision is necessary to ensure that we are able to continue to cater to your long-term healthcare needs on a sustainable basis.

For GSH A Plus, B Plus, A, B and Standard

There is no premium increase for your GSH except in the following circumstances:

• when you have moved to a higher attained age with a published premium increase, and/or
• when the Goods and Services Tax (“GST”) rate (from 8% to 9% in 2024) is revised in Singapore

2.2 Are there premium changes for GREAT TotalCare (GTC) plan?

For GTC P and P Select
As these plans will be transitioned to the new supplementary plans (GTC P Signature and GTC P Optimum respectively), there will be a revision in the premium upon your policy renewal. This revision is necessary to ensure we are able to continue to cater to your long-term healthcare needs on a sustainable basis.

For GTC A, B, BASIC A and BASIC B
There is no premium increase for your GTC except in the following circumstances:
• when you have moved to a higher attained age with a published premium increase, and/or
• when the Goods and Services Tax (“GST”) rate (e.g. from 8% to 9% in 2024) is revised in Singapore.

2.3 Does Great Eastern plan to raise the premiums in the near future?

Premiums and benefits of our Integrated Shield Plans and GREAT TotalCare are periodically reviewed and revised to reflect our claims experience, healthcare cost inflation and the increasing price of medical treatment / services. If there is any premium revision, you will be notified at least 30 days before the renewal date of your policy.
 
2.4 What can I do if the premiums are no longer within my budget?

You may consider downgrading your Integrated Shield plan to a lower hospital and ward entitlement plan (e.g. GSH P Plus to GSH A Plus). For your GTC supplementary plan, you may consider downgrading to a lower-tier plan where premiums are more affordable, and yet will not compromise your option to seek treatment at your preferred hospital and ward entitlement (e.g. GTC P Signature to GTC P Optimum).

If you wish to downgrade, you may do so by logging in to eConnect or Great Eastern Singapore App and follow the steps below:
Step 1: Log in to the Great Eastern Singapore App / eConnect
Step 2: Under “Services” tab, select “Plan Conversion”
Step 3: Make declarations, and select the plan you wish to downgrade to
Step 4: Confirm selection of plan 

Alternatively, you may reach out to your Financial Representative or call our Customer Service Officers at 1800 248-2888 or email us at wecare-sg@greateasternlife.com for assistance.