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• Medical / Hospitalisation

Make a new medical and hospitalisation claim

Follow our step-by-step guide to make a new medical and hospitalisation claim.

Electronic filing submission (e-file)

Your claims can be electronically submitted for you by the hospital if you satisfy both of the following criteria:

a. You are covered under GREAT SupremeHealth

b. You are a Singapore citizen or permanent resident

No other action is required from you. You'll be notified by SMS once we receive your claim, and when it has been approved.

To ensure that you receive these important updates, ensure your contact information is up to date in our system.

Manual submission

A manual submission is required after your treatment/discharge for the following situations:

• You are not a Singapore citizen or permanent resident
• You are covered under Premier Health Plan or Hospital and Surgical Protector
• Your bills were incurred overseas
• You are submitting pre and post hospitalisation bills

Did you know?

You can submit your claims via your Financial Representative, and they can also help follow up on your specific needs.

How to make a new medical and hospitalisation claim

1. Download documents

You will need to submit the following documents for your new medical and hospitalisation claims

• Copy of your hospital bill will be accepted for Hospitalisation Benefit, Lifetime Hospital Benefit claim, stand-alone Hospital Cash Protector (HCP) claim, Premier Medicash claim, and Hospital Income Benefit Rider
• Hospital discharge summary report (if available)
• Copy of reimbursement letter/discharge voucher from the insurer or employer (if there was previous reimbursement from another insurer or employer)
• You can retrieve your statement on the CPF website under Latest healthcare payments and claims.

3. Submission

Submit the completed forms and supporting documents to us via email.

Attention to: Health Claim Services Email: [email protected] Subject: New medical and hospitalisation claim

By walk-in or post

You can also visit us at our customer service centre, or send all forms and documents and supporting documents to us by post.

Attention to: Health Claim Services The Great Eastern Life Assurance Company Limited 1 Pickering Street Great Eastern Centre #01-01 Singapore 048659

You'll be notified by SMS once your claim has been approved.

Claims processing duration

The following claims return rate table shows how long it takes for us to process Integrated Shield Plan (IP) claims with positive payouts. Note that the durations below do not apply to rider claims.

• Data period is from 1 to 31 Mar 2024.
• Median claims processing duration means that 50 out of 100 claims are processed by the insurer within the indicated number of days in the table.
• 75th percentile claims processing duration means that 75 out of 100 claims are processed by the insurer within the indicated number of days in the table.
• Our information is published on a monthly basis, whereas MOH website publishes on a quarterly basis.

Payment process

Questions and answers.

GREAT SupremeHealth, which is an Integrated Shield Plan, consists of 2 parts:

a. MediShield Life (Basic component) which is compulsory and administered by CPF Board

b. An additional private insurance coverage portion provided by Great Eastern.

The final payout from the integrated GREAT SupremeHealth will comprise the MediShield Life payout and GREAT SupremeHealth’s additional insurance coverage payout.

If you are a Singapore citizen or permanent resident who has MediShield Life, and uses MediSave to pay for the GREAT SupremeHealth premium, you will be covered under the integrated GREAT SupremeHealth.

Expenses incurred are subject to deductible and co-insurance, where applicable.

Deductible is the initial amount the life assured needs to pay in period of insurance (policy year) before any payout from the GREAT SupremeHealth can be made.

Co-insurance is proportion of the claim the life assured needs to pay after the deduction of the deductible. It is expressed as a percentage of the total claimable amount.

Benefits listed below are not subject to deductible:

• Outpatient Kidney Dialysis Treatment
• Outpatient Cancer Treatment (Radiotherapy, Chemotherapy, Immunotherapy, Stereotactic Radiotherapy)
• Erythropoietin
• Immunosuppressant drugs prescribed for treatment of organ transplants

However, the co-insurance of 10% shall apply.

Day surgery refers to the situation where a patient undergoes an operation in a hospital or a day surgery centre which is a MediShield Life-accredited medical institution, performed by a duly qualified medical doctor and involving local or general anaesthesia.

The surgical expenses include the fees and charges for anaesthetics and oxygen and their administration, and use of operating theatre and facilities. Surgery excludes Accidental Dental Treatment. A day surgery done in a clinic or polyclinic which is not participating in MediShield Life Scheme is not covered.

Find out the list of medical institutions participating in MediShield Life (PDF).

Room & Board refers to accommodation in a hospital, including meals and general nursing, during confinement as a bed-paying patient. Deluxe rooms, luxury suites or other special rooms that cost more than a standard single room are excluded.

High Dependency Ward is not classified under ICU. It is recognized as within the standard Room & Board charges.

This is a waiver of deductible and co-insurance (D&C). This benefit will come into effect upon the insured person’s death during hospitalisation or after discharge from the hospital.

The D&C, which must be incurred during the same period of insurance in which death occurs, will be reimbursed up to the limits for the plan type insured, provided that death is a result of the cause of the hospitalisation. If the insured person’s death is a result of self-inflicted injuries, suicide or attempted suicide, whether sane or insane, the final expenses benefit will not be claimable.

A short-stay ward is a ward in an accident and emergency department of a restructured hospital for patients who need a short period of inpatient monitoring and treatment.

Hospitals can only e-file the claim if confinement in the short-stay ward is more than 8 hours. If the confinement is less than 8 hours, you'll need to submit the claim manually with the Hospital Claim Form and original final bill.

You'll need to go back to the hospital/day surgery centre to ask for e-filing to be done. Please note that some hospitals/day surgery centres will charge an administrative fee for such requests, which is to be borne by the policyholder.

You will have to present a third party Letter of Guarantee (LOG) to the hospital and request the hospital to bill the third party LOG as first payer, followed by GREAT SupremeHealth (second payer) during the financial counselling session with the hospital of how the bill may be covered by the third party LOG under employee benefits, an Integrated Shield plan, MediSave and government subsidies (where applicable).

A third party LOG is provided to you by the other insurer under your employer's Group Hospital & Surgical policy if you are eligible. You can check with your company's human resource on your eligibility.

Yes, you will need to bring the other insurer's claim settlement letter to the hospital/day surgery centre and request them to submit the claim electronically (e-file), inclusive of the claim settlement amount paid by Group Hospital & Surgical under GREAT SupremeHealth.

At the same time, you will need to notify claims department by submitting a copy of the Group Hospital & Surgical claim settlement letter to us.

You will need to submit the original final hospital bill to your company insurer together with a copy of our settlement letter to claim the balance of the hospital bill not covered under the integrated plan.

Submit a copy of the "MediSave payment and claims" statement together with your final medical bills. You can follow the steps outlined below to download your CPF MediSave Transaction statement.

a. Log in to my cpf Online Services with your Singpass.

b. Click on My Statement at the sidebar.

c. Scoll to Section B and select MediSave and Healthcare Insurance Claims and Reimbursement .

d. Select the relevant dates and click Proceed .

e. Click on the amount at MediSave Payment or MediShield Life/Integrated Shield Plan Payment to view the claim details.

No. Our hospitalisation plans do not cover for outpatient treatment at the A&E department of a hospital due to an illness. Where applicable, you should claim from your employee benefits for outpatient treatment.

Yes. Emergency outpatient treatment covers accidental injuries and is only applicable to hospitalisation plans that provide benefit for emergency outpatient treatment to bodily injuries due to an accident. Refer to the terms and conditions of your hospitalisation plan for eligibility.

If the medical or surgical treatment is medically necessary as a result of an emergency while overseas, GREAT SupremeHealth will reimburse the eligible expenses incurred up to the limits stated in the GREAT SupremeHealth Benefit Schedule, subjected to reasonable and customary charges in Singapore.

Emergency is contractually defined as a serious injury or illness or the onset of a serious medical condition which, in our opinion, requires urgent remedial treatment within 24 hours from the discovery of the injury or illness or experiencing an onset of the serious medical condition to avoid death or serious impairment to your immediate or long-term health.

Under GREAT TotalCare Plus (ESSENTIAL), he coverage for expenses incurred outside Singapore, Malaysia, Indonesia, Philippines, Thailand, Brunei, Vietnam, Myanmar, Cambodia, and Laos will be limited to reasonable and customary charges in Singapore.

Under GREAT TotalCare Plus (ADVANCE), if you have resided outside Singapore for more than 90 days, whether continuously or otherwise during the period of insurance, any eligible expenses incurred outside of Singapore, Malaysia, Indonesia, Philippines, Thailand, Brunei, Vietnam, Myanmar, Cambodia, and Laos will be limited to reasonable and customary charges in Singapore.

Note: The 1st 90 days start from the date of departure from the country of residence

Day surgery performed in a specialist clinic or hospital may be paid after assessment of the claim. However, day surgery performed by a general practitioner is not payable.

Great Eastern Travel Insurance Singapore Review: Covid-19, Promo, Premiums

Great Eastern’s travel insurance plans were once upon a time one of the most popular options in the market, but that was way back when everyone wore huge-ass shoulder pads. Now that the field has been disrupted by so many young upstarts, can the Red Lion still play the game?

Here’s how Great Eastern’s Covid-19 travel insurance coverage  measure up against popular competitors such as AIG, FWD, AXA, and NTUC’s travel insurance plans in 2022:

• Great Eastern Covid Travel Insurance: Summary
• Great Eastern Travel Insurance Covid-19 Coverage
• Disadvantages of Great Eastern Travel Insurance
• Extreme Sports & Outdoor Adventure
• Great Eastern Travel Insurance Claims
• Great Eastern Travel Insurance: Promo Code
• Great Eastern Travel Insurance Review

1. Great Eastern Covid Travel Insurance: Premiums

In the past, Great Eastern travel insurance was sold under 2 brands: Great Eastern Travel E@sy and Great Eastern TravelSmart – both have since been taken off the market.

Great Eastern TravelSmart was still available for purchase as recent as March 2022, when Covid-19 travel were just about easing and “cruise to nowhere” was all the rage. Back then, you may have bought a Great Eastern TravelSmart Basic which was the cheapest travel insurance variant covering you for cruises, Bintan, Batam etc. However, thanks to the rapidly changing global travel restrictions, these travel insurance plans come and go so quickly. Great Eastern TravelSmart is no longer available.

Instead, it’s been replaced by Great Eastern TravelSmart Premier , which comes in 3 plan tiers:

Here is a summary table of the Great Eastern TravelSmart Premier travel insurance’s premiums, benefits, and key coverage:

Note:  Premiums are based on single-trip to South Korea (Asia), and Switzerland (Worldwide) for 7 days during the September school holidays 2022.

Travel insurance plans’ premiums are usually priced according to the country you’re travelling to. While these countries are usually presented neatly in a table so you can figure out your premiums, Great Eastern does not state any of the countries nor their premiums transparently – which is a turn off.

Instead, you have to key your country of destination into their website to check the premiums one by one. Here, we’ve checked a list of 3 to 7 day single-trip premiums for all us Singaporeans’ favourite holidaying spots:

• Malaysia : $19 Basic, $47 Classic, $56 Elite
• Bintan : $19 Basic, $47 Classic, $56 Elite
• Indonesia : $47 Classic, $56 Elite
• Thailand : $47 Classic, $56 Elite
• Vietnam : $47 Classic, $56 Elite
• Cambodia : $47 Classic, $56 Elite
• Hong Kong : $47 Classic, $56 Elite
• South Korea:  $65 Classic, $75 Elite
• Japan:  $65 Classic, $75 Elite
• India:  $65 Classic, $75 Elite
• Australia:  $65 Classic, $75 Elite
• Bhutan : $99 Classic, $118 Elite
• Maldives : $99 Classic, $118 Elite
• Germany : $99 Classic, $118 Elite
• London/ UK:  $99 Classic, $118 Elite
• Paris/ France:  $99 Classic, $118 Elite
• USA :$99 Classic, $118 Elite

2. Great Eastern Travel Insurance’s Covid-19 Coverage

Although Great Eastern’s TravelSmart Premier travel insurance comes in 3 tier plans – Basic, Classic, and Elite – Covid-19 coverage is not offered in the Basic plan. Only the Great Eastern TravelSmart Premier Classic and Elite plans give you Covid-19 coverage.

Here’s a summary of Great Eastern travel insurance’s Covid-19 coverage:

Some other things to note about Great Eastern’s travel insurance:

• Pre-Trip Covid-19 Coverage : If you test Covid-19 positive 30 days before your departure date and need to cancel or postpone your trip, Great Eastern’s Covid-19 travel insurance will cover your travel fares, hotel accommodation, entertainment tickets.
• During Trip Covid-19 Coverage : From the day you test Covid-19 positive overseas, you’ll be covered for 90 days. Your travel insurance plan will also be automatically be extended for 30 days for free.
• Post-Trip Covid-19 Coverage : If you get Covid-19 only after you land in Singapore, you will not be covered.

Honestly, Great Eastern travel insurance’s Covid-19 coverage pales in comparison to competitors’ such as Sompo’s Covid-19 travel insurance which offers a higher $100,000 to $200,000 in Covid-19 medical expenses coverage and emergency medical evacuation, and $2,000 to $4,000 in trip postponement claims.

All these are important – higher Covid-19 medical expense coverage means you can be assured that even if you’re sent to an expensive private hospital for Covid-19. Likewise, do not overlook the emergency medical evacuation coverage. If you came down with a really bad case of Covid-19, the doctors deemed you unfit for normal flight, and you need to be medically flown back to Singapore, the bill could easily come up to $200,000 or $300,000.

Not shitting you, it’s real. I’ve had a friend who was stuck in the US ’cause she was unfit to fly. Google “fundraiser for Singapore medical evacuation” to see more real-life examples.

Like Sompo travel insurance, Great Eastern travel insurance does not offer post-trip Covid-19 coverage . So if you’re back in Singapore and test positive for Covid-19, that’s on you.

3. Great Eastern Travel Insurance: Disadvantages

There are some caveats to Great Eastern’s travel insurance and Covid-19 coverage that you need to take note of. For example, don’t make the mistake of buying your travel insurance only at the airport’s boarding area, just before your flight. Most travel insurance plans have waiting periods as well:

• Short Trips Only:  Your trip cannot be longer than 90 days
• Covid-19 Coverage : Only included in Classic and Elite plans
• No Air Miles, Hotel Reward Points : If you’re planning to use air miles, reward points to redeem your flight and hotel tickets, these tickets won’t be covered by your Great Eastern (GE) travel insurance
• Buy Early:  There’s a 7-day waiting period before your GE travel insurance plan kicks in
• First and Business Class: Your travel tickets will only be covered up to economy class ticket’s price bracket
• Flight Delay caused by the airline or government (due to Covid-19 regulations) is not claimable
• No post-trip Covid-19 coverage
• No coverage for pre-existing conditions

As with all travel insurance, you need to prove that you have tried to call your hotel and airlines to get a flight ticket exchange or refund to no avail. Only then will your travel insurance be able to cover your additional expenses.

4. Travel Insurance For Extreme Sports & Outdoor Activities

A great advantage of the Great Eastern travel insurance is its comprehensive coverage of extreme sports and outdoor activities adventure. You’ll need to get the Classic or Elite plan, and you must be engaging in these outdoor adventure activities in a leisure or recreational way with licensed guides and instructors. That means you cannot be a professional bungee jumper trying to win a competition.

Here are the outdoor adventurous activities that are covered by Great Eastern travel insurance:

5. Travel Insurance Claim Great Eastern

Dealing with travel insurance claims is not the easiest thing . You’re back in Singapore, just ended a wonderful holiday with great memories, got lots of clothes to wash, and a million MS Teams messages from your boss – absolutely not in the mood to sort paperwork for travel insurance claims .

Before you depart for your trip, make sure you have all your flight bookings, tour agency receipts, and hotel and Airbnb receipts printed in a file that you can use for any claims. If you’re bringing any high-value laptops, expensive cameras, or expensive Rimowa luggages along, dig out those receipts and leave it in the file, too. Just do it and leave it on your dining table.

• Fall sick, get into an accident, get Covid-19 : Call Great Eastern’s hotline at +65 6339 2155 (24-hour Emergency Assistance). Document the entire accident process (your wounds), your hospitalisation, and DEMAND for all documents detailing your diagnosis, your medicine, hospitalisation stay, and the bills. Go over the top. You need all sorts of evidence to prove to the old geezers sitting in the Claims Department that your leg indeed broke while you were sightseeing in Jeju Island and not Bukit Timah Hill.
• Lost item or Theft : Report loss of item and theft to local police within 24 hours, get a copy of the printed report
• Lost item or Theft in airplane, hotel, DisneyLand, etc. : Also make a report to your airline, tour bus company, hotel, amusement park etc… wherever you lost it, get a copy of the report in print
• Original Receipts : Go home, dig out all the original documents and receipts for your loss or stolen items
• Download and Print Claims Form : For Great Eastern, all their forms need to be downloaded, printed, filled in, and mailed to their GE office in Singapore. Here is the Great Eastern travel insurance claim form .
• Submit Claims : Submit all your travel-related documents, flight tickets, hotel bookings, PLUS your claims documents to Great Eastern via snail mail. Afterwards, call their general hotline 1800-248-2888 to check on the status of your claims. The address is:

(Attention: General Insurance Claims Department) Great Eastern General Insurance Limited, 1 Pickering Street, #01-01 Great Eastern Centre, Singapore 048659

Read on: This Singaporean couple got Covid-19 while travelling in Istanbul

6. Great Eastern Travel Insurance Promo

At the moment, there is no ongoing travel insurance promotion for Great Eastern.

There is, however, a $100 gift credit that you can make use of to get 10% off your travel insurance premium. You’ll have to download the Great Eastern Rewards mobile app, and sign in. Then, you’ll get $100 credits in your wallet.

But Great Eastern is a little sneaky… you can only offset a maximum of 10% of your premium at any point in time. So, if your GE travel insurance premium cost you $65, that’s $6.50 in discount. Yes, Great Eastern TravelSmart Premier is eligible for this promotion.

7. Great Eastern Travel Insurance Review

Should you buy Great Eastern travel insurance ? If you’re planning a trip to Niseko to skii, Bungee jumping in Seminyak Bali , or scuba diving in the Philippines, you’ll be glad to know that Great Eastern’s travel insurance is great for recreational extreme sports and adventures such as hiking and trekking.

The basic coverage for GE’s Travel Smart Classic and Elite plans aren’t terrible, but they’re not really that high. It covers all your needs sufficiently, e.g. medical expenses in overseas hospitals, medical evacuation back to Singapore, baggage delay, and loss .

Great Eastern travel insurance’s Covid-19 coverage is, again, the bare minimum with $50,000 Classic and $150,000 Elite medical expense coverage for you when you get hospitalised overseas for Covid-19. The daily $50 or $100 Covid quarantine or hospitalisation allowance is great, but it is capped at 14 days.

However, the trip cancellation, postponement, and disruption coverage is pretty low at $1,000, $3,000, and $5,000 – and may be insufficient to cover the now-exorbitant airfares.

But perhaps the biggest deal breaker is the terribly outdated claims process . Hey Great Eastern, 1995 called. They want your insurance claims procedure back.

Looking to buy travel insurance? Compare all Covid-19 travel insurance here.

Related Articles

Travel Insurance Singapore Guide (2023): Must-Knows for Choosing the Best Travel Insurance

Airline Travel Insurance – What does SIA, Scoot, Jetstar travel insurance cover?

Best Travel Insurance Plans in Singapore [content outdated due to Covid]

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• Important announcement
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• Emergency help overseas
• How to claim
• Before you apply
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Explorer Travel Insurance

Get up to s$58 in cashback + up to 40% off your travel insurance.

• Why you will love this
• Who can apply

Built-in with COVID-19 coverage

Extensive coverage such as trip cancellations, travel delay, baggage loss, and more

Up to $700,000 overseas medical coverage and 24-hour emergency overseas assistance hotline

Adult above 18 years old

Child between 3 months and 18 years old or full-time student below 24 years old can apply for child coverage

Singaporean, Singapore PR or foreigner with a valid pass/work permit

Get up to S$58 in cashback + up to 40% off your travel insurance Find out more

Be it for work, leisure, or to visit loved ones overseas, travel worry-free with our newly added COVID-19 coverage.

With effect from 5 November 2021, the COVID-19 coverage under our Ultimate and Essential plans will automatically extend to countries under the latest permitted travel arrangements as per the Singapore Government travel advisory at the point of your purchase. Kindly note that some countries may require COVID-19 insurance coverage as a condition of entry. Please ensure you select a plan that meets the requirement of your intended destination(s). For full details of our COVID-19 coverage and exclusions, please refer to the Eligibility and Policy Wording .

Simply make your purchase of Explorer Travel Insurance Essential or Ultimate plans via the OCBC Digital app to qualify.

Cashback rewards are awarded with a minimum spend of S$100 (after discounts).

Terms and Conditions governing Explorer 40% and 15% Discount apply .

Terms and Conditions governing the Explorer cashback campaign apply .

Plans and coverage for

• Other benefits

Enjoy an enhanced COVID-19 coverage Our Essential and Ultimate plans now include COVID-19 coverage under the Singapore Government travel advisory.

To be eligible, the following conditions must be met:

• You have not served stay home notice, been quarantined due to COVID-19 or travelled to any countries other than the list of countries permitted as per Singapore Government travel advisory within 14 days before the commencement date of your trip.
• If required by the authorities, you must take a COVID-19 Polymerase Chain Reaction (PCR) test or any COVID-19 equivalent test approved by Singapore authorities within 72 hours prior to the scheduled departure time of your trip and must be tested negative. Otherwise, there will be no coverage for overseas medical expenses and repatriation of mortal remains.
• You have not been diagnosed with COVID-19 at the point of purchase.
• You are purchasing a single trip two-way and annual multi-trip policies.

The following sub-limits apply for these coverages:

• Benefits / Sum Insured
• Essential Plan Enhanced coverage
• Ultimate Plan Most comprehensive coverage

Medical expenses incurred overseas Covers the medical expenses incurred overseas if the insured is diagnosed with COVID-19 whilst overseas.

Emergency medical evacuation Covers cost required for emergency medical evacuation expenses while overseas if insured person is diagnosed with COVID-19 overseas.

Repatriation and compassionate expenses Covers the cost of transporting Insured Person's body and ashes back to Singapore if he/she dies overseas due to COVID-19.

Travel inconveniences

(If you or a travel companion is diagnosed with COVID-19 while overseas)

(If you, a relative, or a travel companion is diagnosed with COVID-19 before your trip commences)

(If you are placed under mandatory quarantine by the local authorities as a result of you being diagnosed with COVID-19 while you are overseas)

$50/day (Up to $700)

$100/day (Up to $1,400)

If you are hospitalized as a result of you being diagnosed with COVID-19 while you are overseas

If you are hospitalized or quarantined overseas as a result of you being diagnosed with COVID-19 while you are overseas

Up to 30 days

Overall limit per policy

(applicable to group purchases)

Choose from 3 travel insurance plans

Explorer offers you coverage with reimbursement for inconveniences, disruptions and medical expenses incurred while travelling.

Please refer to the table below for the Individual Cover limits. The limits under Family Cover are subject to the Individual Cover limits under the same plan for each Insured Person.

• Coverage ($)
• Starter Plan Basic coverage

Accidental Death and Permanent Disablement

Accidental Death on Public Transport

Medical reimbursement

(a)  Medical expenses incurred overseas

(b)  Medical expenses incurred in Singapore

(c)  Traditional Chinese Medical (TCM) treatment

Maximum Aggregate Limit for (a), (b) and (c)

Hospital cash

(a)  Hospital confinement

$200 per day

Maximum $20,000

$200 per day Maximum $30,000

Maximum $40,000

$100 per day

Maximum $7,000

Maximum $1,000

Maximum $1,500

(b)  Hospital visitation/compassionate visit

(c) Child companion

Emergency medical evacuation

Repatriation of mortal remains

Emergency telephone charges

Maximum aggregate limit

Trip cancellation

Trip postponement, trip interruption.

Trip curtailment

Overbooked flight

Travel missed connection

Travel delay

$100 Every 6 Hours

Maximum $2,000

Maximum $3,000

Maximum $500

Delay due to hijack

$250 Every 6 Hours

Maximum $7,500

Maximum Aggregate limit for Trip Interruption, Trip Curtailment, Overbooked Flight, Travel Missed Connection, Travel Delay and Delay due to Hijack

Personal liability

Baggage loss

Personal money

Travel documents

Baggage delay

$200 Every 6 Hours

Maximum $200

Kidnap and Hostage

Maximum $5,000

Terrorism extension

Automatic extension of cover

Leisure adventurous activities

Not covered

The limits under Family Cover are subject to limits under the same plan for each Insured Person.

Boost your coverage with optional add-ons Sometimes, your basic travel coverage isn’t enough. That’s why we have 4 add-on options to cater to your travel needs.

• Optional add-ons

Sports equipment cover

Top-up cover for laptop computer, netbook and tablet under baggage loss

Rental vehicle excess

Home contents

Call our 24-hour emergency assistance hotline at +65 6708 7453 for travel and medical assistance. This includes translation assistance, medical advice, arrangement of hospital admission, emergency medical evacuation and more.

Get instant savings

Quick and seamless process

Fuss-free payments

Easy access to your policy

Log in to OCBC Digital app and tap on “Insure and stay protected”.

Tap on “Travel Insurance”. Navigate to the bottom and tap on “Get a quote”.

Input your travel details (promo code will be automatically applied). Then, tap on “View plans” to choose your preferred plan.

Main Applicant’s details will be pre-filled. Input traveller details. Then, tap on “View summary”.

Review your policy and slide to complete the purchase. You’re all set for your trip!

By Online Submission : Submit your  claim online .

Download and print the claims form . Complete the relevant sections. 

Attach all original receipts and relevant supporting documents.

Mail it to the claims department .

Eligibility requirements

Minimum age

18 years old

Nationality

Singaporeans, Singapore PRs and foreigners with a valid pass/work permit

Child coverage

Children aged between 3 months and 18 years old and full-time students below 24 years old can apply for child coverage

More information

Important notes.

Policy wording

Policy owner's protection scheme

Terms and conditions

Terms and Conditions governing Explorer 40% and 15% Discount

Terms and Conditions governing the Explorer cashback campaign

Common questions about Explorer Travel Insurance

Yes, you are able to purchase the plan as long as you have fully recovered and are diagnosed as negative for COVID-19.

We will follow all vaccination, pre-departure tests and post-arrival tests requirements imposed by the authorities.

For some countries, self-administered ART, PCR or other self-test kit will not be accepted for pre-departure COVID-19 test to fly out of Singapore.

You must make an appointment from the list of MOH-approved COVID-19 test providers found on MOH website ( https://www.moh.gov.sg/licensing-and-regulation/regulations-guidelines-and-circulars/details/list-of-COVID-19-swab-providers ).

The COVID-19 Trip Cancellation coverage is claimable if you are forced to cancel your trip within the 30 days that it was due to start as a result of you, a relative, or a travel companion being diagnosed with COVID-19 by a medical practitioner in Singapore.

No. COVID-19 is only applicable should the trip is permitted under the latest permitted travel arrangement as per Singapore Government travel advisory.

You may refer to https://safetravel.ica.gov.sg/ for more information on the latest travel advisories issued by the Singapore government.

A medical practitioner has to diagnose that you are positive with COVID-19 while overseas. You are required to provide us with supporting documents such as Inpatient Discharge Summary Report (IPDS), doctor’s memo or diagnosis indicated on the Medical Certificate.

A Medical practitioner is a person who is registered and legally qualified as a doctor, has a medical degree in Western medicine, and is authorized by the medical licensing authority of the relevant country to provide the medical or surgical services their licence and training relate to.

The medical practitioner cannot be the insured or an insured person, or:

• their husband, wife or unmarried partner;
• their business partner, employer, employee or agent;
• their travel companion; or
• any person who is related to an insured person or the insured in any way, including by marriage or adoption.

The policy is designed to protect you during your overseas journey. If you are diagnosed with COVID-19 upon arriving in Singapore, after your journey, you will not be covered by the policy.

Terms and conditions governing Explorer Promotion

• Discounts shall apply on plans purchased online. Offer ends 31 March 2020.
• No other promotion shall be applied together with the above discount on Single Trip and Annual Plans.
• OCBC Bank reserves the right at its sole and absolute discretion to terminate the promotion or make changes to the promotion or any of these terms and conditions at any time without notice.
• The decision of OCBC Bank on all matters relating to this promotion shall be final and binding.

Sub-limits are part of the original limit for each coverage. They do not provide extra coverage, but set a maximum to cover a specific loss. For non-COVID-19 coverage, the coverage amount will be as per existing coverage plan .

Covers non-refundable travelling and accommodation expenses, as well as any change in entertainment tickets paid in advance because you or your travel companion are diagnosed with COVID-19 by a medical practitioner, and as a direct result you are forced to change any part of your trip.

Covers the irrecoverable travel (on economy class), accommodation expenses and/or cost of entertainment tickets that were paid in advance if the trip is cancelled due to you, a relative or a travel companion being diagnosed with COVID-19 in Singapore within 30 days prior to the trip commencement.

Covers the irrecoverable administrative charges of travel, accommodation expenses and/or cost of entertainment tickets that were paid in advance if you are forced to postpone your trip within the 30 days before it was due to start as a direct result of you, a relative, or a travel companion being diagnosed with COVID-19 by a medical practitioner in Singapore.

Attention: Claims Department Great Eastern General Insurance Limited 1 Pickering Street, #01-01 Great Eastern Centre, Singapore 048659

Family plan

• Single Trip Policy : shall mean an Adult and/or his/her spouse and unlimited number of biological or legally adopted children, OR any one or two adults who are not related by marriage and a maximum of four children who must be least Family related (i.e. biological or legally adopted Child or ward, sibling, grandchild, niece, nephew or cousin) to any one of the Adults.
• Annual Trip Cover : shall mean an Adult and/or his/her spouse and unlimited number of biological or legally adopted Children.

We will only reimburse the overseas medical expenses incurred up to 90 consecutive days from the date you are diagnosed with COVID-19 by a medical practitioner.

If you pass away overseas within 30 days from the date you are diagnosed with COVID-19 by a medical practitioner.

The above is for general information only. It is not a contract of insurance. It does not constitute an offer to buy an insurance product or service. It is also not intended to provide any insurance or financial advice. The precise terms and conditions of the plans are specified in the insurance policy contract. Explorer is underwritten by Great Eastern General Insurance Limited, a   wholly-owned   subsidiary of Great Eastern Holdings Limited and member of the OCBC Group. Explorer is not a bank deposit or obligation of, or guaranteed by OCBC Bank.

No representation or warranty whatsoever (including without limitation any representation or warranty as to accuracy, usefulness, adequacy, timeliness or completeness) in respect of any information (including without limitation any statement, figures, opinion, view or estimate) provided herein is given by OCBC Bank and it should not be relied upon as such. OCBC Bank does not undertake an obligation to update the information or to correct any inaccuracy that may become apparent at a later time. All information presented is subject to change without notice. OCBC Bank shall not be responsible or liable for any loss or damage whatsoever arising directly or indirectly howsoever in connection with or as a result of any person acting on any information provided herein.

Claims arising from events that have already occurred or made known to public via authorities or media before your application will not be covered.

Information presented as at 1 January 2024.

Policy Owner's Protection Scheme

This policy is protected under the Policy Owners’ Protection Scheme which is administered by the Singapore Deposit Insurance Corporation (SDIC). Coverage for your policy is automatic and no further action is required from you. For more information on the types of benefits that are covered under the scheme as well as the limits of coverage, where applicable, please contact us or visit the General Insurance Association (GIA) or SDIC websites ( www.gia.org.sg or www.sdic.org.sg ).

Policy Owners’ Protection Scheme

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Via Great Eastern

More convenience with prepopulated personal details when you buy insurance via OCBC Online Banking. Choose to pay with your OCBC Savings/Current Account or OCBC Credit/Debit Card.

By clicking on "Apply now", you will be leaving the OCBC Bank website to Great Eastern's website. OCBC Bank has no control over this website and is not responsible for its contents.

You are leaving the OCBC Bank's website to access Great Eastern's website.

By clicking on "Proceed", you acknowledge the following:

• You have chosen not to seek advice on the suitability of this product. You should consider if this product is suitable for your financial circumstances or needs.

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• 1 Raffles Place, #05-15/16, Singapore 048616, Tel: +65 6532 2692
• 315 Upper Changi Road, #01-01, Singapore 467347, Tel: +65 6970 0813
• Blk 449 Clementi Avenue 3, #01-241 Lot C, Singapore 120449, Tel: +65 6970 9300
• 15 Petir Road, #01-66 Bukit Panjang Integrated Transport Hub, Singapore 678270, Tel: +65 6518 4055

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• Great Eastern Travel Insurance: Is It a Good Deal?

• TravelSmart Premier Basic is competitively priced for single trips
• Offers adventurous leisure activities and golf coverage
• Basic plan is only available for Malaysia
• Elite plan is expensive for ASEAN travellers but offers below average medical coverage

Great Eastern’s TravelSmart Premier stands out for offering affordable basic-tier travel insurance plans, both single and annual, to Malaysia. At just S$26 for a 1-week trip and S$261 for an annual insurance plan, the cost for the TravelSmart Premier Basic plan is below the industry average.

However, the basic-tier plan is a no-frills plan which does not have COVID-19 and Adventurous Leisure Activities coverage, and customers looking for more coverage would have to go for higher-end plans.

Table of Contents

• Great Eastern TravelSmart Premier Basic Plan

Great Eastern TravelSmart Premier Classic & Elite Plans

• Golfer Coverage

Claims Information

• Summary of Coverage

Great Eastern Travel Insurance: What You Need to Know

Great Eastern's travel insurance may disappoint those who are looking for cheap or high-value plans due to its mostly uncompetitive premiums and limited COVID-19 coverage. Depending on the destination and level of coverage you need, you can choose from the TravelSmart Premier Basic, Classic or Elite plan.

The TravelSmart Premier Basic plan offers basic medical, terrorism, trip inconvenience and golf coverage. However, the basic-tier plan can be purchased for Malaysia only and does not include COVID-19 coverage. Those looking to purchase travel insurance to other countries must select either the Classic or Elite plans, both of which cost considerably above average.

Additionally, though Great Eastern offers adventure leisure activities cover, they are only available for the Classic or Elite plan.

Even with these additional benefits, it is difficult to recommend Great Eastern's travel insurance to the average consumer who wants to maximise value.

Great Eastern TravelSmart Premier Basic

The Great Eastern TravelSmart Premier Basic plan has the potential of standing out by being the only Malaysia/Batam/Bintan plan that is available for annual coverage.

However, in exchange for the low premium, there is no COVID-19 coverage or Adventurous Leisure Activities coverage.

In addition, the Great Eastern Travel Premier Basic plan is only available for Malaysia and users have to select between Classic and Elite plans for other destinations.

Great Eastern's TravelSmart Premier Classic plan is quite expensive for the coverage it provides, giving consumers a low value plan and leaving those who either want top coverage or great prices unimpressed.

Although it includes adventurous leisure activities coverage—which may seem like a great deal at first because most other plans charge extra for these benefits—other mid-tier plans still end up being cheaper even with the extra cost to add on these sports coverages.

The Classic Plan's medical and personal accident coverage is also below average and its cancellation, trip delays, baggage loss and baggage delay coverage hover around the mid-tier average.

Great Eastern's Elite plan is similar to the Classic plan in terms of who it would—or wouldn't—attract.

For ASEAN travellers, it is one the most expensive options costing 15% above average. For trips to Asia and Global destinations, its prices are around average. However, the Elite Plan's medical coverage is around half of what most top-tier plans offer. Additionally, just like the classic plan, it also includes adventurous leisure activities and golf cover, terrorism cover and home contents cover.

If you are looking for a top-tier plan because you want the best coverage possible for your trip, then we would recommend Allianz, as they have extremely high medical and travel inconvenience coverage, and include all of the extra benefits Great Eastern includes such as sports, golf, jewellery and home contents coverage.

Notable Exclusions

Great Eastern has the standard exclusions for TravelSmart Premier plans, including no cover for events relating to pre-existing conditions, war, mental disorders and pregnancy.

Great Eastern offers fairly comprehensive golfer's coverage that includes equipment, unused green fees and hole-in-one. You will additionally be covered for medical and accident expenses occurring from leisure adventurous activity if you buy either the Classic or Elite plans. The sports covered include helicopter rides, jet skiing, mountaineering (below 3,000 metres), paragliding, parasailing, skiing/snowboarding, skydiving and underwater activities up to a depth of 30 metres.

To submit a claim with Great Eastern, you can either contact their emergency services number (in case of an emergency while on your trip), contact your insurance adviser or mail a claim form along with the appropriate documents.

Great Eastern Travel Insurance Details

When you get a great deal on your travel insurance, you'll end up maximising your peace of mind while not breaking the bank. Below, you'll find a summary of Great Eastern's coverage and premiums, as well as how they compare to the industry averages. If you'd like to see how Great Eastern's plans compare to other plans on the market, you can read our guide to the best travel insurance plans in Singapore.

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"And we are working with allies to ensure that they redeploy some of their systems to Ukraine.

"I am encouraged by the commitment and the determination by NATO allies to stand up for Ukraine." 

Mr Stoltenberg added that he was seeing encouraging signs that the US Congress might soon pass an aid package for Ukraine.

Here are the latest pictures from the front and from behind the lines as the war in Ukraine rages on.

Ukrainian strikes in Russia

A couple stand near a house damaged by a Ukrainian drone attack in Voronezh, Russia.

Several structures were destroyed in the strike.

G7 foreign ministers meet in Italy

Ukraine's air defences is a key issue for ministers gathered on the Italian island of Capri, following a German appeal on Wednesday to the European Union and NATO to do more to help Kyiv. 

German president inspects troops

German President Frank-Walter Steinmeier visited Bundeswher troops training in Munster, Germany.

Much of the tank training Ukrainian troops have undergone has taken place near the western German city.

Prague protest

Protesters carry wooden crosses in the colours of the Ukrainian flag and place them in front of the US embassy in Prague in protest at the lives lost due to "American hesitancy" during a rally called "Defend Ukrainian skies" in the Czech capital.

G7 foreign ministers have warned that Ukraine risks being defeated by Russia unless it receives more air defences.

More than two years into Russia's full-scale invasion, Kyiv is facing an ammunition shortage, with vital American funding still tied up in political wrangling on Capitol Hill and the EU failing to deliver sufficient munitions promptly.

The ministers began a second day of talks on the Italian island of Capri by discussing the Middle East crisis and were expected to turn to Ukraine in the afternoon, when they were due to be joined by the head of NATO and Ukraine's foreign minister.

The EU foreign policy chief Josep Borrell, who attends G7 gatherings alongside his American Italian, German, French, British, Japanese and Canadian counterparts, urged EU nations to hand over air defence systems to help Ukraine protect its cities from Russia, which is targeting key infrastructure.

"Otherwise, the electricity system of Ukraine will be destroyed. And no country can fight without having electricity at home, in the factories, online, for everything," he told reporters.

Russian air defences shot down what they described as five Ukrainian balloons overnight, according to the Kremlin's defence ministry.

Neither Moscow nor Kyiv have provided details about the balloons, which Russian authorities reported appearing on the battlefield in recent weeks.

According to Russian news reports, the Ukrainian balloons are equipped with a GPS module and carry explosives.

They are allegedly are harder to detect and could carry larger payloads than conventional, smaller drones.

It is not clear if the balloons are lifted by helium, hot air or something else entirely.

They aren't controllable once in the air, with the GPS module likely being used to co-ordinate the release of explosives if the balloon floats over a specific area.

Three Ukrainian balloons and one drone were downed over the Voronezh region, which borders the occupied Luhansk region of Ukraine.

Two others were intercepted in the Belgorod region of Russia next to Ukraine, according to the Russian defence ministry.

As well as the balloons, Russia claimed it intercepted two Ukrainian tactical missiles, 19 rockets and 16 drones during the night.

A Russian missile attack on Dnipropetrovsk region this morning damaged an infrastructure facility and a business, a local official said. 

Two people were injured and taken to hospital, according to the regional governor, who added that the attack caused fires at two sites. 

Ukraine's air force issued a warning of a ballistic missile threat ahead of the strike.

Moscow has stepped up combined missile and drone strikes targeting Ukraine's power grid in recent weeks, resulting in significant damage. 

The Kremlin has also increased its use of harder-to-intercept ballistic missiles. 

The Kremlin claims that any new American military aid for Ukraine (see 9.36 post) won't change the situation at the front, which it described as "unfavourable" for Kyiv's forces.

Spokesman Dmitry Peskov then said US aid, would, however, help the US defence industry and leave Ukraine in debt. 

Assuming a bill in the House of Representatives passes, Ukraine will be the recipient of more than $60bn (£48bn) of lethal aid from Washington. 

Volodymyr Zelenskyy has been calling on Ukraine's allies to provide more support, particularly air defence weapons, in light of increased missile bombardment by Russia.

Berlin's foreign ministry has summoned the Russian ambassador following the arrest of two German-Russian nationals on suspicion of plotting sabotage attacks, including on US military facilities, in Germany Bild reports.

Germany has become one of Kyiv's biggest suppliers of military aid since the war began and is a major target for Russian spying operations, according to authorities in Berlin.

"Our security authorities have prevented possible explosive attacks that were intended to target and undermine our military assistance to Ukraine," Interior Minister Nancy Faeser said earlier. 

"It is a particularly serious case of alleged spy activity for Putin's criminal regime." 

The Kremlin earlier denied knowledge of the arrests.

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" DIR: West; bigger nice evening sun but louder due to main street DIR:East; Quiter, very bright in the morning if sun rises "

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