- Hospital
- Personal Accident
- Critical Illness
Introduction
In today's unpredictable world, having comprehensive hospital insurance is crucial for protecting your health and finances. The GE SupremeHealth P Plus, an Integrated Shield Plan, offers top-tier coverage for Singaporeans and Permanent Residents. This plan goes beyond MediShield Life, providing extensive benefits for private hospitals and Class A/B1 wards in restructured hospitals. With its comprehensive coverage and flexible options, GE SupremeHealth P Plus aims to give you peace of mind during medical emergencies and planned treatments alike.
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Key Features
GE SupremeHealth P Plus offers a range of key features designed to provide comprehensive coverage and flexibility. From extensive hospital coverage to customizable rider options, this plan aims to meet diverse healthcare needs. Let's explore the standout features that make GE SupremeHealth P Plus a robust choice for your health insurance needs.
Extensive Hospital Coverage
Covers private hospitals and Class A/B1 wards in restructured hospitals. Provides 'As Charged' coverage for eligible expenses, ensuring comprehensive protection for various medical scenarios.
Customizable Riders
Offers GREAT TotalCare rider options for full coverage. These riders can cover the deductible and co-insurance, potentially reducing out-of-pocket expenses to zero.
Cost-Sharing Structure
Includes a deductible of $3,500 for private hospitals and 10% co-insurance. This structure encourages responsible healthcare utilization while providing substantial coverage.
Reward for Healthy Living
Offers a no-claim discount, though specific details are not provided in the given information. This feature potentially rewards policyholders for maintaining good health.
Extended Treatment Coverage
Covers pre-hospitalization treatment up to 120 days before admission. Post-hospitalization treatment is covered for up to 365 days after discharge, ensuring comprehensive care.
Outpatient Benefits
Provides coverage for various outpatient treatments including chemotherapy, immunotherapy, and renal dialysis. Covers these treatments on an 'As Charged' basis, offering extensive protection.
Benefits
GE SupremeHealth P Plus offers a wide array of benefits designed to provide comprehensive health coverage throughout your life. From lifelong protection to coverage for specific medical scenarios, this plan aims to address various healthcare needs. Let's delve into the key benefits that make this plan stand out.
Lifelong Protection
Offers coverage for life with no termination age. This ensures you have protection against medical expenses throughout your entire lifetime.
Assured Renewal
Provides guaranteed yearly renewal. This feature ensures continuous coverage regardless of changes in your health condition, offering long-term security.
Congenital Conditions Coverage
Covers congenital abnormalities of the Life Assured. Provides coverage of up to $20,000 per lifetime for congenital abnormalities diagnosed within 730 days from birth.
Maternity Complications
Includes coverage for pregnancy and childbirth complications. This benefit ensures protection for expectant mothers against unforeseen pregnancy-related medical issues.
Mental Health Coverage
Provides coverage for inpatient psychiatric treatment. Offers a benefit limit of up to $25,000 per period of insurance for psychiatric treatment, including pre and post-hospitalization benefits.
Global Emergency Coverage
Covers emergency medical treatment outside Singapore. Provides 'As Charged' coverage for emergency overseas treatment, limited to costs of Singapore private hospitals.
Real premiums suggested for GE SupremeHealth P Plus
Age | What suggestion covers | Premium |
---|---|---|
23, Female making $2,300 a month | annual limit $1,200,000 ward Up to Private hospital A ward (can also stay in Govt hospital) | $221.05 annual |
25, Female making $4,250 a month | compassionate benefit $25,000 critical illness $250,000 | $1,086.75 annual |
29, Female making $4,166.667 a month | TPD $1,000,000 death $1,000,000 | $481.1 annual |
27, Female making $4,500 a month | post 65: ci $60,000 death $60,000 eci $0 pre 65: ci $250,000 death $250,000 eci $220,000 | $2,186.55 annual |
26, Female making $3,300 a month | co insurance: cap $3,000 percentage $5 policy limit $2,500,000 post hospitalization $365 pre hospitalization $180 | $498.5 annual |
Other Benefits
GE SupremeHealth P Plus goes beyond standard coverage to offer a range of additional benefits. These features are designed to provide comprehensive protection and support in various medical scenarios. Let's explore these unique benefits that further enhance the value of this insurance plan.
Breast Reconstruction
Covers the cost of breast reconstruction after a mastectomy. This benefit provides important support for women recovering from breast cancer treatment.
Community Hospital Care
Reimburses up to S$800 per day for stay in a community hospital. This coverage ensures continued care and rehabilitation after acute hospital treatment.
Letter of Guarantee
Offers issuance of Letter of Guarantee (LOG) for hospital admission. This can help waive up to S$10,000 of the pre-admission deposit, easing financial burden during hospitalization.
Accidental Dental Treatment
Provides coverage for accidental dental treatment. This ensures protection against unexpected dental expenses resulting from accidents.
Stem Cell Transplant
Covers stem cell transplant procedures on an 'As Charged' basis. This provides crucial coverage for this advanced medical treatment.
HIV Coverage
Includes coverage for HIV due to blood transfusion and occupationally acquired HIV. This offers protection against specific scenarios of HIV infection.
Eligibility and Application Process
GE SupremeHealth P Plus is available to Singapore citizens and Permanent Residents who are covered by MediShield Life. The maximum entry age is 75 years next birthday. To apply, you'll need to complete an application form and provide relevant health information. Depending on your health status, a medical examination may be required. The application process can typically be completed online or through a Great Eastern insurance agent. It's important to disclose all relevant health information accurately to ensure proper coverage.
Claims and Customer Service
Filing a claim with GE SupremeHealth P Plus is designed to be straightforward. You'll need to submit a completed claim form along with original medical bills and supporting documents. Many hospitals in Singapore offer a direct billing service, which can simplify the claims process. For outpatient treatments, you may need to pay first and claim later. Great Eastern provides customer support through their hotline and email for any queries or assistance with claims. They also offer an online portal and mobile app for convenient policy management and claims submission.
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Conclusion
GE SupremeHealth P Plus is an excellent choice for those seeking comprehensive health coverage with access to private hospitals and top-tier wards in restructured hospitals. It's particularly suitable for individuals who prioritize flexibility in healthcare choices and want coverage for a wide range of medical scenarios. This plan could be ideal for young professionals looking for long-term health security, families wanting extensive coverage including maternity benefits, or anyone seeking peace of mind with lifetime coverage and guaranteed renewability.
who can provide personalized insights and help you make an informed decision. Plus, you'll be entered into our 'Premiums On Us' quarterly draw, where you could win your insurance premiums paid by Whatins. Don't miss this opportunity to secure your health and potentially save on premiums!
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Why people were suggested GE SupremeHealth P Plus
- Critical Illness
- Personal Accident
- Critical Illness
- Term Life
- Hospital
- Personal Accident