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GE Supreme Health is an Integrated Shield Plan (IP) offered by the Singapore-based insurance company, Great Eastern. An IP is meant to supplement your basic hospitalisation and medical treatment coverage that you already have from the MediShield Life insurance plan offered by Singapore’s Ministry of Health. IPs like the Great Eastern Supreme Health serves to extend the range of wards you can access in public and private hospitals, and increase the claim limits for surgeries and medical treatments.
|Great Eastern Supreme Health Plan||Hospital Wards||Annual Coverage Limit|
|Great Eastern Supreme Health P Plus||Standard rooms in private hospitals, wards class A and below in restructured hospitals||S$1,500,000|
|Great Eastern Supreme Health A Plus||Wards class A and below in restructured hospitals||S$1,000,000|
|Great Eastern Supreme Health B Plus||Wards class B1 and below in restructured hospitals||S$500,000|
|Great Eastern Supreme Health Standard||Wards class B1 and below in restructured hospitals||S$150,000|
Great Eastern offers 2 types of riders to complement the Great Eastern SupremeHealth Integrated Shield Plan, namely the GREAT TotalCare and GREAT TotalCare Plus. If you are a Great Eastern Supreme Health policyholder, you can opt to add these riders to your Supreme Health plan to further reduce your out-of-pocket cash payments and increase your medical benefits.
When you are filing an insurance claim, it basically means that you, the policyholder, is submitting a request to your insurance company to reimburse you for the medical bills you have paid for at the clinic or hospital. What sets a health insurance provider apart from another is the reliability, and convenience of the claims system.
|Great Eastern Supreme Health Benefits||Exclusions|
|Community Hospital||While all 4 Great Eastern Supreme Health plans – P Plus, A Plus, B Plus, and Standard – offer coverage for community hospital stays, do note that expenses are only claimable if your hospital doctor referred you to a community hospital for further inpatient treatment.|
|Short Stay Ward||No matter which Great Eastern Supreme Health plan you are on, the short stay ward coverage only applies to wards in restructured hospitals.|
|Pregnancy and Childbirth Complications||The pregnancy complication benefit only covers 13 listed pregnancy complications, namely ectopic pregnancy, pre-eclampsia or eclampsia, disseminated intravascular coagulation, miscarriage after the first trimester of the pregnancy, antepartum haemorrhage, intrauterine death, choriocarcinoma and hydatidiform mole, acute fatty liver pregnancy, breech delivery, placenta previa, post partum haemorrhage, amniotic fluid embolism, and twin-to-twin transfusion syndrome. All other pregnancy-related conditions will not be covered. You will also need to wait for at least 300 days from your policy effective date before you will enjoy this benefit.|
|Breast Reconstruction after Mastectomy||All Great Eastern Supreme Health plans offer full coverage for breast reconstruction post-mastectomy. However, the reconstruction surgery has to be performed by a Medical Doctor within 365 days from the date of the first mastectomy.|
|Organ Transplant||Benefit only applies that you, the policyholder, is the one receiving an organ transplant. Eligible transplants include kidney(s), heart, liver, cornea(s), skin, pancreas and musculoskeletal tissue.|
|Post-Hospitalisation Treatment for 365 Days||Any post-hospitalisation follow-up treatments between the 180th and 365th days must be done in a restructured hospital or prescribed by a Great Eastern panel specialist doctor.|
|Outpatient Erythropoietin||If you hold a Great Eastern Supreme Health Standard plan, any outpatient Erythropoietin treatments will only be eligible for claims if it were prescribed for chronic renal failure only.|
|Psychiatric Treatment||If you are on the Great Eastern Supreme Health Standard plan, your psychiatric treatment additional benefit will only be eligible for daily inpatient ward treatment only, claimable up to 35 days per policy year – as opposed to the other plans which includes pre- and post-hospitalisation psychiatric treatments.|
|Organ Donation||If you, the policyholder, is donating an organ to your family member, you will only enjoy listed benefits (between S$20,000 to S$60,000 per transplant for B Plus to P Plus holders) after 730 days from your policy effective date.|
|Congenital Abnormalities of Biological Child||If you hold a Great Eastern Supreme Health B, A, or P Plus policy, you are entitled to S$12,000 to S$20,000 benefits in the event your (female individuals) newborn has congenital abnormalities. However, this benefit will only be in effect after a waiting period of 300 days from your policy effect date.|
|Overseas Emergency Medical Treatment||Offers you full coverage for all emergency medical services and supplies in the event you are caught in a life or death situation outside of Singapore. You will have to pay for the treatments first, and bring the bills back for claims. You will only be able to claim Singapore public hospitals' equivalent prices of the treatments you received abroad.|
|Final Expense Benefit||In the event you, the policyholder, passes away during hospitalisation or post-hospitalisation, your final expense benefit will be used to offset your deductibles and co-insurance payments.|
The Great Eastern Supreme Health is an Integrated Shield Plan (IP) meant to supplement any hospitalisation or medical treatment expense coverage that you may have from your mandatory MediShield Life health insurance plan provided by Singapore's Ministry of Health. Benefits of the Great Eastern Supreme Health IP includes a maximum annual coverage limit of S$1.5 million, with 4 types of different plans for different types of lifestyle, medical needs, and budgets – spanning access to class B1 wards in public hospitals upwards to standard rooms in private hospitals. The GE Supreme Health IP aside, Great Eastern offers 2 types of riders for its Supreme Health plans – namely the GREAT TotalCare (Elite or Classic) and the GREAT TotalCare Plus which offers you the option to seek treatment abroad.