GREAT SupremeHealth Review: Standard, B, A, P Plus [2023]

Advertisement

Great Eastern GREAT SupremeHealth Review

Articles written are independent opinions, and are not affiliated/sponsored unless specifically mentioned.

great eastern supremehealth shield plan review

Table of Contents

As 1 of 7 integrated shield plans offered in Singapore, Great Eastern’s GREAT SupremeHealth complements MediShield Life.

The GREAT SupremeHealth is also one of a few shield plans that offer protection for Singaporeans, Singapore Permanent Residents, and foreigners with valid work pass.

And like other shield plans, you can use your MediSave account to pay for premiums!

We reviewed each plan tier so that you can make an informed choice.

Read on.

Great Eastern GREAT SupremeHealth P Plus

The Great Eastern Supreme Health P Plus provides the broadest coverage, covering both public and private hospital wards, all inpatient surgeries, and pre- and post-hospitalisation.

Integrated Shield Plan (IP) Annual Premium for Age Next Birthday

(31 – 35)

Pre Hospitalisation Coverage Post Hospitalisation Coverage Annual Claim Limit Cost-Benefit Ratio
Raffles Health Insurance Raffles Shield Private $237 180 days 365 days $1,500,000 $6,329.11
AIA Healthshield Gold Max A $367 13 months 13 months $2,000,000 $5,449.60
AXA Shield Plan A $292 180 days 365 days $2,500,000 $8,561.64
Singlife with Aviva Shield Plan 1 $409 180 days 365 days $2,000,000 $4,889.98
Great Eastern SupremeHealth P Plus $322 120 days 365 days $1,500,000 $4,658.39
NTUC Income Enhanced IncomeShield Preferred $225 180 days 365 days $1,500,000 $6,666.67
Prudential PRUShield Premier $300 180 days 365 days $1,200,000 $4,000.00

The GREAT SupremeHealth P Plus offers an annual claim limit of $1,500,000, which isn’t the highest for private hospital plans.

Singlife Shield Plan 1 and AIA’s HealthShield Gold Max have a yearly claim limit of $2,000,000, while AXA’s Shield Plan A is at an astounding $2,500,000.

So if you think $1,500,000 isn’t enough, there are 3 other options available for you.

In terms of pre- and post-hospitalisation cover, the GREAT SupremeHealth P Plus provides 120 days and 365 days of coverage respectively.

The post-hospitalisation coverage is on par with other shield plans at this tier, but the pre-hospitalisation cover is only at 120 days, which is the lowest amongst others.

The cost-benefit analysis shows that for every $1 you pay in premiums, you get up to $4,658.39 in hospitalisation coverage with this plan. This ranks it as the second-last best, just in front of Prudential’s PRUShield Premier.

Thus, if you’re a value seeker, you might want to consider AXA Shield Plan A or Raffles Shield Private with a cost-benefit ratio of $8,561.84 and $6,329.11 respectively.

Premium-wise, the Great Eastern GREAT SupremeHealth P Plus is also on the higher end, with NTUC Income’s Enhanced IncomeShield Preferred being the cheapest.

Here is what’s covered by the GREAT SupremeHealth P Plus:

Great Eastern great supreme health coverage

Great Eastern GREAT SupremeHealth A Plus

The A Plus plan from Great Eastern Supreme Health lets you access treatment at Class A wards at public and restructured hospitals with an annual claim limit of up to $1,000,000.

The post-hospitalisation coverage is up to 365 days and pre-hospitalisation is up to 120 days.

Integrated Shield Plan (IP) Annual Premium for Age Next Birthday 

(31 – 35)

Pre Hospitalisation Coverage Post Hospitalisation Coverage Annual Claim Limit  Cost-Benefit Ratio
Raffles Health Insurance Raffles Shield A $156 180 days 365 days $600,000 $3846.14
AIA Healthshield Gold Max B $157 180 days 180 days $1,000,000 $5952.38
AXA Shield Plan B $156 180 days 365 days $550,000 $3525.64
Singlife with Aviva MyShield Plan 2 $168 180 days 365 days $1,000,000 $5952.38
Great Eastern Supreme Health A Plus $106 – $123 120 days 365 days $1,000,000 $9433.96
NTUC Income Enhanced IncomeShield Advantage $74 100 days 100 days $500,000 $6756.76
Prudential PRUShield Plus $119 180 days 365 days $600,000 $5042.02

In comparison with competing insurers, Great Eastern Supreme Health A Plus offers the best coverage in terms of an annual claim limit of $1,000,000, for Class A wards in public or restructured hospitals.

Additionally, if you are looking for value, this plan offers you $9,433.96 for every $1 you spend and is the best among all the other options.

Pre-hospitalisation coverage is slightly below the median of 180 days, but post-hospitalisation coverages are also at par with the best, making Great Eastern Supreme Health A Plus the best Class A option.

The GREAT SupremeHealth A Plus is also one of the cheapest plans starting at $106, just behind NTUC Income’s Enhanced IncomeShield Advantage.

Oh, I also bought this plan for myself.

With great pricing, great value, and pretty decent pre- and post-hospitalisation cover, I think the GREAT SupremeHealth A Plus is easily the best in its category.

Here’s what’s covered by the GREAT SupremeHealth A Plus:

Great Eastern great supreme health coverage

Great Eastern GREAT SupremeHealth B Plus

The Great Eastern GREAT SupremeHealth B Plus plan offers access to Class B1 wards at public/restructured hospitals and lower,

It has a $500,000 claim limit and is the best alongside Singlife’s Shield Plan 3.

Integrated Shield Plan (IP) Annual Premium for 

Age Next Birthday 

(31 – 35)

Pre Hospitalisation Coverage Post Hospitalisation Coverage Annual Claim Limit  Cost-Benefit Ratio
AIA Healthshield Gold Max B Lite $102 100 days 100 days $300,000 $2941.18
Singlife with Aviva Shield Plan 3 $100 180 days 365 days $500,000 $5000
Great Eastern Supreme Health B Plus $77 – $80 120 days 365 days $500,000 $6493.51
NTUC Income Enhanced IncomeShield Basic $44 100 days 100 days $250,000 $5681.82
Raffles Health Insurance Raffles Shield B $66 90 days 90 days $300,000 $4545.45
AXA Shield Standard Plan $62 $150,000 $2,419.36
PRUShield Standard Plan $63 $200,000 $3,174.60

Unlike other plans, Great Eastern’s GREAT SupremeHealth B Plus has maintained its pre- and post-hospitalisation coverage of 120 days and 365 days respectively, which is the second-best offer.

Other insurers reduced the coverage to 100 days for both, while others like the PRUShield Standard Plan and the AXA Shield Standard Plan totally removed pre- and post-hospitalisation.

This is not entirely the fairest comparison because the GREAT SupremeHealth has a Standard plan which doesn’t have any pre- and post-hospitalisation either.

In terms of value for your money, Great Eastern offers the best returns among the 7 integrated plans at $6,493.51 for every $1.

It is, however, not the cheapest plan, but it’s definitely what I consider the best in this category.

Here is the list of coverage offered by the GREAT SupremeHealth B Plus:

Great Eastern great supreme health coverage

Great Eastern GREAT SupremeHealth Standard

Now, the lowest tier in the GREAT SupremeHealth series is the GREAT SupremeHealth Standard.

This plan covers you for wards B1 at public and restructured hospitals with an annual claim limit of $200,000.

For 31 to 35-year-olds, the premiums you’ll have to pay is $53/year, which is cheaper than AXA’s and Prudential’s standard plans.

This also brings the cost-benefit ratio to $3,773.58, which is higher than AXA’s and Prudential’s standard plans.

So if you’re a value seeker, you can consider the GREAT SupremeHealth Standard.

However, I find it a little bit hard to recommend this as NTUC Income’s Enhanced IncomeShield Basic covers wards B1 in public and restructured hospitals, has 100 days of pre- and post-hospitalisation, and has a much higher cost-benefit ratio at $5,681.82 – all for the price of $44/year.

Here’s what’s offered at this tier:

Great Eastern great supreme health coverage

Great Eastern GREAT SupremeHealth Riders

Great Eastern offers 2 types of riders to complement the GREAT SupremeHealth integrated shield plan, namely

  • GREAT TotalCare
  • GREAT TotalCare Plus

 

You can add these riders to your plan to lower your out-of-pocket expenses and boost your medical benefits.

GREAT TotalCare

The GREAT TotalCare rider, which has an annual benefit cap of up to $400,000, can be added if you’re seeking more protection.

Firstly, it’s important to break down the riders.

They have 6 levels – broken into Elite and Classic – with 3 tiers in each.

So you’ll have the:

  1. Classic B
  2. Classic A
  3. Classic P
  4. Elite B
  5. Elite A
  6. Elite P

 

All of them limit your co-payment to 5% and deductibles at $3,000, if you meet its criteria.

Worth noting is that the GREAT TotalCare has special benefits such as

  • Other Outpatient Cancer Treatment
  • Emergency Accidental Outpatient Treatment
  • Ambulance Services
  • 180 days of Home Health Care Benefit
  • 180 days of Post-Hospital Follow-up Traditional Chinese Medicine Treatment
  • Medical Aids
  • 10 days of Companion Accommodation Benefit

 

Not all shield plan offers special benefits. The only ones I know are the NTUC Income Enhanced IncomeShield and Singlife Shield plans.

So do check them out and see if it’s what you need.

Here’s what’s also covered:

GREAT totalcare coverage

For me, I added the Elite A rider to my plan so that 5% is for all eligible bills.

GREAT TotalCare Plus

When you add the GREAT TotalCare Plus rider, you’ll have access to top-notch medical facilities anywhere in the world and an additional annual claim limit of up to $50,000.

great totalcare plus coverage

How to make claims from Great Eastern?

Fortunately for you, the hospital will automatically submit the claims for you – just like any other insurer.

For foreigners, overseas bills, and pre- and post-hospitalisation bills, you’ll need to submit the claim online directly on Great Eastern’s website.

However, I believe that your financial advisor should help you with these claims, so just engage whoever you bought your policy from and ask them for their help.

GREAT SupremeHealth Claims Duration

integrated shield plan claims time

According to MOH, Great Eastern processes your claims within the same day, with its 75th percentile at 1 day.

This is fast and on par with most insurers. Customer reviews on Seedly are also pretty positive, so you don’t have much to worry about.

My Take on Great Eastern Supreme Health Plan

Considering the price, the benefits and coverage they offer on the higher tiers are pretty good.

However, the 120-day pre-hospitalisation coverage is a little on the short side, given that other insurers cover up to 180 days.

It’s also worth noting that Great Eastern adopts claims-based pricing where your premiums increase every time you claim.

The claims-adjusted pricing is a fair and sustainable price structure that gives healthy policyholders lower premiums instead of subsidising it for others.

However, should you make claims, you might be paying higher in the long term as compared to a shield plan that doesn’t adopt claims-based pricing.

So if you’re healthy and have a good family history, you can consider this to save some money.

Otherwise, consider other plans such as Raffles Shield, NTUC Income Enhanced IncomeShield, AXA Shield, or Singlife Shield.

Not sure which one is for you?

I recommend reading our post on the best integrated shield plans and the best riders to accompany it.

If you’re still confused or not confident in choosing one, we partner with unbiased MAS-licensed financial advisors to help you find the best plan for you.

Disclaimer: Each article written obtained its information from reliable sources and should be purely used for informational purposes only. The information provided by Dollar Bureau and its affiliated parties is not meant to be construed as financial advice. Dollar Bureau shall not be held liable for any inaccuracies, mistakes, omissions, and losses incurred should you act upon any information listed on this website. We recommend readers to seek financial planning advice from qualified financial advisors. 

Dollar Bureau is a participant in the Amazon Services LLC Associates Program, an affiliate advertising program designed to provide a means for website owners to earn advertising fees by advertising and linking to amazon(.com, .sg, .ca etc) and any other website that may be affiliated with Amazon Service LLC Associates Program.

Other Useful Reads

Prudential PRUPersonal Accident Review

PRUPersonal Accident Review

Looking for a personal accident insurance plan? Check out our review of PRU Personal Accident, and find out if it’s the right choice for you by clicking here!

Read More »

Over 900 Singaporeans are taking control of their finances. You should too.