Help And Support

Insurance - GREAT CareShield

Frequently asked questions
  • Understanding the policy

    1. What is CareShield Life? How is that different from this policy?

      CareShield Life
      CareShield Life is a long-term government care insurance scheme that provides basic financial support in the event of a severe disability (i.e. unable to perform 3 or more Activities of Daily Living).

      Check your coverage and premium.

      GREAT CareShield
      GREAT CareShield is a supplementary plan provided by Great Eastern if you want to have more comprehensive coverage in addition to your CareShield Life scheme


    2. What is the coverage for this plan?

      This policy covers you from the inability to perform Activities of Daily Living.

      You can choose between Advantage (comprehensive coverage) and Enhanced (intermediate coverage) plan types.

      Then you can select your coverage amount from 300 SGD to 5,000 SGD (in multiples of 100 SGD).

      Advantage plan type (Comprehensive coverage)
      Advantage plan type covers from 1 Activity of Daily Living.


      Enhanced plan type (Intermediate coverage)
      Enhanced plan type covers from 2 Activities of Daily Living onwards.

  • Before you apply

    1. Do I need to go for a medical examination in order to apply for GREAT CareShield?

      It depends on the sum of your monthly payout coverage amount across long-term care insurance plans from GREAT Eastern (if you have any). See the table below.

      Sum of your monthly payout coverage amount from the following policies:
      GREAT CareShield, LifeSecure and ElderShield

      Below 3,000 SGD 3,000 SGD and above
      Answer 3 simple health declarations
      No medical examination required Medical examination required

    2. How long do i have to pay for premiums?

      You can pay yearly. The payment terms depend on entry age:

      If you are 30 to 55 (age last birthday) when you purchase GREAT CareShield:
      Choose to pay until 65 or 80 (age last birthday).

      If you are 56 to 64 (age last birthday) when you purchase GREAT CareShield:
      Choose to pay until 80 (age last birthday) or for 10 years.


    3. How can I pay for GREAT CareShield?

      Payment options

      Online Offline
      • Credit card
      • Debit card
      • MediSave funds
        (Up to a limit of 600 SGD per calendar year)
      • Cash
      • Credit card
      • Debit card
      • GIRO or cheque / banker's order
      • MediSave funds
        (Up to a limit of 600 SGD per calendar year)
      For usage of MediSave, the limit of 600 SGD per person per year is shared across any ElderShield and CareShield Life supplementary plans.


    4. Can I use the MediSave of one of my family members?

      Yes, you may use the MediSave of any of your following family members to pay for your CareShield Life premiums (subject to CPF’s approval):

      • Spouse
      • Parents
      • Siblings;
      • Children; or
      • Grandchildren.

      You can only use your own MediSave if you purchase GREAT CareShield via the online sales portal. If you wish to use the MediSave of your spouse, parents, children, or grandchildren, please approach your Personal Financial Consultant.

    5. My premium is more than 600 SGD, which is the upper limit of MediSave. Can I still pay with MediSave?

      If your premium is more than 600 SGD and you have chosen MediSave as one of your premium payment options, you will be prompted and offered other options to pay the balance:

      Payment options

      Online Offline
      • Credit card
      • Debit card
      • Cash
      • Credit card
      • Debit card
      • GIRO or cheque / banker's order

    6. When does my policy start?

      Depending on your mode of payment, the commencement date of your policy will vary:

      Payment options including MediSave

      For application of GREAT CareShield only:

      1. Apply
      2. Policy starts 1 day later upon successful MediSave deduction

      For application of GREAT CareShield and ElderShield:

      1. Apply
      2. Policy starts on the last day of the month upon successful MediSave deduction
      Payment options excluding MediSave

      Payment by credit card, debit card, GIRO, cash or cheque/banker's order

      1. Apply
      2. Policy starts 1 day later

    7. I have previously opted out from ElderShield. Can I purchase GREAT CareShield as a standalone plan?

      No. GREAT CareShield may only be purchased if you have an existing CareShield Life or ElderShield.

      Find out how you can get covered under CareShield Life scheme here.

    8. I have an existing ElderShield supplement. Can I still purchase GREAT CareShield?

      Yes, you can purchase to top-up your existing ElderShield supplement coverage.

  • After you buy this policy

    1. If I need to make a claim, what should my family member(s) or I do?

      In the event of a claim, please get your family member(s) to follow these steps.

    2. What should I expect after I file a claim?

      Depending on the severity of disability, Great Eastern will reach out to your family member(s) to arrange for periodic assessments.

      If the disability is assessed to have worsened to 2 or more Activities of Daily Living, the plan will start providing you with monthly payouts for as long as you continue to suffer from the disabilities.

      This is provided that you are still unable to perform the Activities of Daily Living after a 90-day period starting from, and inclusive of, the date of the disability assessment.

    3. In what case will my claim be rejected?

      Great Eastern will not pay the benefit for claims that are directly or indirectly caused by, or resulting from:

      - A pre-existing condition
      - Self-injury
      - Suicide or attempted suicide, or acts that endanger your life
      - Alcoholism
      - Drug addiction
      - War
      - Disability that happens within a 90-day period starting from and inclusive of the commencement date of your policy (other than a disability due to accident).

    4. What happens if I stop paying for this policy?

      If you are 61 years old or above and have maintained the policy for at least 10 years, the policy will continue without your payment. However, your coverage amount will decrease.

      Otherwise, the policy will be terminated if you don’t pay your premiums.

    5. Can I cancel the policy? Are there any fees?

      Yes, you may cancel the policy by submitting a written notice of cancellation to us.

      If the date falls within 60 days from the date you receive your policy documents, you will get back the premiums you have paid, after deducting any medical fees and other expenses. If the date falls after the 60 days, you will lose all of your premiums paid.

      If your policy document is sent by post locally, we will assume it has been delivered and received 7 days after the date of posting.