Great Eastern Integrated Shield Plan 2026: GREAT SupremeHealth Complete Review
Great Eastern’s GREAT SupremeHealth is one of Singapore’s seven approved Integrated Shield Plans (ISPs). It stacks on top of MediShield Life to give you higher hospital coverage — covering private hospital stays, specialist consultations, and surgical costs up to your chosen plan’s annual claim limit. Premiums start from around $53 per year for the Standard tier (age 31–35) and rise to $322 for the top P Plus tier. You can use MediSave to pay for the basic plan, with any cash portion due for riders.
Not financial advice. All figures are for educational reference only. Data as at June 2026 unless noted.
- GREAT SupremeHealth has 4 plan tiers: Standard, B Plus, A Plus, and P Plus (private hospital).
- After April 2026, riders no longer cover your deductible — you pay the first $3,500–$5,000 out of pocket per year.
- Compare across insurers with our integrated shield plan comparison before deciding.
What Is GREAT SupremeHealth?
Great Eastern’s GREAT SupremeHealth is Singapore’s longest-running Integrated Shield Plan, underwritten by Great Eastern Life Assurance and approved by MOH as one of seven ISPs.
An ISP does two things. First, it includes your MediShield Life premiums — the national base insurance all Singaporeans and PRs must have. Second, it adds a private top-up layer so you can access A-class wards, private hospitals, or your choice of specialist without paying entirely out of pocket.
Without an ISP, you are limited to MediShield Life’s payout caps. With GREAT SupremeHealth P Plus, your annual claim limit rises to $1.5 million — enough to cover most serious medical events in a private hospital.
Plan Tiers and Coverage Levels
GREAT SupremeHealth comes in four tiers, each covering a different class of hospital ward:
| Plan Tier | Ward Coverage | Annual Claim Limit | Key Feature |
|---|---|---|---|
| Standard | B1 ward (restructured) | As per MediShield Life | Basic cover, MediSave-payable |
| B Plus | B1 and B2 wards | Up to $600,000 | Upgraded restructured stay |
| A Plus | A ward (restructured) | Up to $1,000,000 | Single-bedded restructured ward |
| P Plus | Private hospital | Up to $1,500,000 | Full private hospital access |
Source: Great Eastern GREAT SupremeHealth Product Summary, April 2026.
Most Singaporeans wanting private hospital access choose P Plus. If restructured hospital A-ward is enough, A Plus is the sweet spot between cost and comfort.
Premium Costs: What You’ll Actually Pay
GREAT SupremeHealth premiums have two parts: the MediShield Life component and the ISP top-up, both payable via MediSave up to your withdrawal limit. Riders are cash-only.
| Age Group | Standard | B Plus | A Plus | P Plus |
|---|---|---|---|---|
| 1–20 | $113 | $127 | $162 | $431 |
| 21–30 | $134 | $152 | $188 | $501 |
| 31–35 | $53 | $79 | $115 | $322 |
| 41–45 | $235 | $286 | $366 | $877 |
| 56–60 | $785 | $946 | $1,224 | $2,807 |
Source: Great Eastern GREAT SupremeHealth Benefit Schedule, April 2026. Singapore citizen rates. PRs pay a 30% surcharge.
Important: Great Eastern uses claims-based pricing. If you claim, your renewal premium may rise. AIA and Singlife use community rating instead — premiums don’t rise after claims. Over the long run, claims-based pricing can cost more for policyholders with frequent claims.
Riders After the April 2026 Changes
From April 2026, MOH changed rider rules across all ISPs. Riders can no longer cover your deductible. Before, “full riders” let you visit a private hospital and pay nothing extra beyond premiums. That era is over.
You must now pay the deductible yourself before insurance kicks in:
| Plan Tier | Annual Deductible | Co-insurance After Deductible |
|---|---|---|
| Standard | $1,500 | 10% |
| B Plus | $2,000 | 10% |
| A Plus | $3,500 | 10% |
| P Plus | $5,000 | 10% |
Source: Great Eastern GREAT SupremeHealth Product Summary, April 2026. Co-insurance capped at $3,000 per policy year.
Great Eastern’s GREAT SupremeHealth Plus Rider still covers the 10% co-insurance above the deductible (up to $3,000 cap). With the rider, your maximum annual out-of-pocket for P Plus is $5,000 deductible + $3,000 co-insurance = $8,000. See the full ISP rider changes 2026 guide for all insurer details.
How to Claim with Great Eastern ISP
Claiming with GREAT SupremeHealth is straightforward. For private hospitals, use a Great Eastern panel doctor for cashless pre-authorised treatment — show your NRIC and policy number at admission. The hospital bills Great Eastern directly.
If you use a non-panel doctor, pay upfront and claim reimbursement via the Great Eastern app. This takes 4–6 weeks. For planned admissions, submit pre-authorisation details so Great Eastern can confirm coverage before you’re admitted — this avoids billing disputes at discharge.
Your deductible applies per policy year, not per claim. If you are admitted twice in the same year, you only pay the deductible once — second claims that year go straight to co-insurance.
GREAT SupremeHealth vs Other ISPs
| Insurer | Top Plan | Annual Limit | Pricing Model | ~Premium (31–35) |
|---|---|---|---|---|
| Great Eastern | P Plus | $1.5M | Claims-based | $322 |
| AIA | Max A | $2M | Community | ~$360 |
| Singlife | Plan 1 | $2M | Community | ~$350 |
| Prudential | PRUShield Premier | $1.2M | Community | ~$310 |
| NTUC Income | Enhanced Preferred | $1.5M | Community | ~$340 |
Source: MOH Comparison of Integrated Shield Plans, June 2026. Premiums indicative — verify with each insurer.
Great Eastern’s P Plus annual limit ($1.5M) is lower than AIA/Singlife ($2M), but its base premium is competitive. Read our full integrated shield plan comparison for a deeper side-by-side view across all seven ISPs.
Who Should Choose Great Eastern ISP?
GREAT SupremeHealth suits you if you are young and healthy with no chronic illness history. Claims-based pricing works in your favour — you get good coverage at a lower upfront cost. You also benefit if you already bank or insure with Great Eastern, or if you want A-ward restructured coverage at $115/year (A Plus).
It may not be ideal if you have pre-existing conditions (more likely to claim, so claims-based pricing hurts more), if you want the highest annual limit ($2M from AIA/Singlife), or if you prioritise community-rated premiums that stay stable after claims.
Use our Singapore retirement calculator to model long-term healthcare costs. Or read the AIA integrated shield plan review to compare a community-rated alternative directly.
Using MediSave to Pay GREAT SupremeHealth Premiums
You can use MediSave to pay the basic ISP premiums up to the Additional Withdrawal Limit (AWL) for your age:
| Age Group | MediSave AWL for ISP |
|---|---|
| Below 40 | $300 |
| 40–49 | $600 |
| 50–59 | $900 |
| 60 and above | $1,500 |
Source: CPF Board, MediSave withdrawal limits for Integrated Shield Plans, 2026.
Premiums above the AWL and all rider premiums must be paid in cash. For younger policyholders on Standard or B Plus, MediSave typically covers the full ISP component. For P Plus at older ages, expect some cash top-up.
Frequently Asked Questions
Is GREAT SupremeHealth good?
How much does GREAT SupremeHealth P Plus cost?
Can I use MediSave for GREAT SupremeHealth?
What changed for Great Eastern ISP riders in April 2026?
What is the difference between A Plus and P Plus?
Does Great Eastern ISP cover pre-existing conditions?
How does Great Eastern compare to AIA HealthShield Gold Max?
Get Free Insurance Advice
Speak with a licensed insurance advisor. No obligation, no cost.
By submitting this form, you agree to our Privacy Policy.
