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ELDERSHIELD COMPREHENSIVEHealth Protection
Enhance your protection in your golden years
greateasternlife.com
At the prime of life when you are building your career and nurturing your family, it’s hard to imagine anything standing in the way of your dreams. Yet disabilities can happen when you least expect it. With the escalating cost of treatment and long-term care, basic protection is no longer enough. Great Eastern Life recognises your need for higher benefi ts and a lifetime of added security.
ElderShield Comprehensive strengthens your Basic ElderShield coverage with greater benefi ts, lifetime payouts and more.We all value an active and fulfi lling lifestyle during our golden years. Even in the face of disability, we do not want to burden our loved ones
whether fi nancially or physically.
At its best, disability protection with Basic ElderShield is no longer enough. Enhance your disability coverage today to enjoy greater benefi ts
in preparation for possible events of severe disabilities. ElderShield Comprehensive pays out as much as S$3,000 a month in addition to
your Basic ElderShield payouts and stretches your coverage to a lifetime. Now, you can be sure your retirement plans are always covered.
greateasternlife.com
1 Activities of Daily Living (ADLs) includes washing, toileting, dressing, feeding, mobility and transferring.2 Entry age is based on age last birthday. 3 Maximum Medisave withdrawal limit allowed for premium payment is S$600 per policy year per person insured.
Minimum payout trigger
While Basic ElderShield commences monthly benefi t payouts upon your inability to perform 3 out of 6 Activities of Daily Living (ADLs),
ElderShield Comprehensive 2 ADLs enhances your coverage to accelerate payouts for inabilities to perform at least 2 ADLs.
Choice of benefi ts amount
With ElderShield Comprehensive, you can choose payout benefi ts of between S$300 and S$3,000 per month on top of your Basic
ElderShield plan.
Coverage for a lifetime
Enjoy coverage to last a lifetime with a premium payment term that ends at age 80.
One-time payout benefi t
ElderShield Comprehensive provides an Initial Benefi t (upon your fi rst claim) and a Death Benefi t on top of your monthly benefi ts. Each
one-time lump sum payment is equivalent to 3 times the monthly benefi t. The Initial Benefi t is paid after a 90-day deferment period while
the Death Benefi t is paid upon the demise of the policyholder while he or she is still in receipt of the monthly benefi t.
Waiver of premiums
The plan comes with a Premium Waiver benefi t which means that you do not need to pay premiums when receiving the monthly benefi t.
Level premiums and discount
Premiums for ElderShield Comprehensive are level and based on entry age2. Enjoy a 10% discount on your annual premium if you opt
for monthly benefi ts of S$1,000 or more.
Medisave approved
Premiums for ElderShield Comprehensive can be made through Medisave3.
Other ElderShield Supplements – ValuePlus 300 & 400
Apart from ElderShield Comprehensive, Great Eastern Life also provides other supplementary plans such as ValuePlus 300 & 400 to
enhance Basic ElderShield 300 & 400 respectively. Designed to extend your Basic ElderShield payouts to 10 years, these plans also
come with two one-time lump sum payouts upon the fi rst claim and upon death while in receipt of monthly benefi t. Each lump sum is
equivalent to 3 times of your monthly benefi t.
Premiums can be paid via Medisave3 and you will also be entitled to 5% loyalty discount from the 2nd year onwards.
Benefi ts at a glance• Payout trigger for inability to perform 2 Activities of Daily Living1
• Flexible monthly benefi ts amount
• Lifetime coverage with limited premium terms
• One-time payout in addition to monthly benefi t
• Waiver of premiums when receiving monthly benefi ts
• Level premiums and savings
• Premiums are payable via Medisave
greateasternlife.com
MALE
Entry Age2 Comprehensive 2 ADLs Comprehensive 3 ADLs
10 Years Life 10 Years Life
40 63.50 69.90 55.90 61.50
41 66.10 72.70 58.30 64.20
42 68.70 75.60 60.70 66.80
43 71.50 78.70 63.30 69.70
44 74.60 82.00 66.10 72.80
45 77.80 85.50 69.00 75.90
46 81.20 89.30 72.20 79.50
47 84.90 93.40 75.50 83.10
48 88.90 97.70 79.10 87.10
49 93.10 102.50 82.90 91.20
50 97.80 107.50 87.00 95.70
51 102.80 113.00 91.40 100.60
52 108.20 119.00 96.10 105.80
53 114.10 125.50 101.20 111.40
54 120.50 132.50 106.70 117.40
55 127.50 140.30 112.60 123.90
56 135.30 148.80 119.10 131.10
57 143.80 158.20 126.10 138.80
58 153.30 168.70 133.80 147.20
59 164.00 180.40 142.20 156.50
60 175.80 193.40 151.40 166.60
Annual premium per S$100 monthly benefit (S$)^
FEMALE
Entry Age2 Comprehensive 2 ADLs Comprehensive 3 ADLs
10 Years Life 10 Years Life
40 83.10 91.40 70.80 77.90
41 86.30 95.00 73.80 81.20
42 89.80 98.80 76.90 84.60
43 93.50 102.90 80.20 88.30
44 97.40 107.20 83.80 92.20
45 101.60 111.70 87.50 96.30
46 106.10 116.70 91.50 100.70
47 110.80 121.90 95.70 105.30
48 115.90 127.50 100.20 110.30
49 121.40 133.60 105.10 115.70
50 127.40 140.10 110.20 121.30
51 133.70 147.10 115.80 127.40
52 140.70 154.70 121.70 133.90
53 148.20 163.00 128.10 141.00
54 156.40 172.00 135.00 148.50
55 165.30 181.80 142.50 156.80
56 175.10 192.60 150.60 165.70
57 185.90 204.40 159.30 175.30
58 197.80 217.60 169.00 185.90
59 211.10 232.20 179.50 197.50
60 225.90 248.50 191.10 210.30
Annual premium per S$100 monthly benefit (S$)^
60 175.80 193.40 151.40 166.60
61 189.30 208.20 161.50 177.70
62 204.60 225.00 172.80 190.10
63 222.20 244.40 185.30 203.90
64 242.70 266.90 199.30 219.30
60 225.90 248.50 191.10 210.30
61 242.60 266.90 204.00 224.40
62 261.90 288.10 218.20 240.10
63 284.10 312.50 233.99 257.40
64 309.90 340.90 251.90 277.10
^ Actual rates may differ due to rounding. Premium rates quoted are inclusive of 7% GST, not guaranteed and may be increased at policy renewal at the full discretion of the company.
^ Actual rates may differ due to rounding. Premium rates quoted are inclusive of 7% GST, not guaranteed and may be increased at policy renewal at the full discretion of the company.
ElderShield Comprehensive Premiums
greateasternlife.com
Should John suffer from an inability toperform 2 ADLs:
Year 1 – 6 Year 7 onwards untilrecovery or death
Basic ElderShield 400 N.A. N.A.
S$1,500every month
S$1,500every month
S$1,500every month
S$1,500every month
Comprehensive2 ADLs (Life)
Payouts Johnwill receive
Should John suffer from an inability toperform at least 3 ADLs:
Year 1 – 6
Basic ElderShield 400S$400
every month
S$1,500every month
S$1,500every month
S$1,500every month
S$1,900every month
N.A.
Comprehensive2 ADLs (Life)
Payouts Johnwill receive
Year 7 onwards untilrecovery or death
Should Jane suffer from an inability toperform 2 ADLs:
Years 1 – 6 Years 7 – 10
Basic ElderShield 400 N.A. N.A.
Comprehensive2 ADLs (10 years)
S$400every month
S$400every month
S$400every month
S$400every month
Payouts Janewill receive
S$400every month
S$400every month
S$400every month
S$800every month
S$400every month
Should Jane suffer from an inability toperform at least 3 ADLs:
Years 1 – 6 Years 7 – 10
Basic ElderShield 400 N.A.
Comprehensive 2 ADLs (10 years)
Payouts Janewill receive
ElderShield Comprehensive 2 ADLs (Life) will also pay out:
i) Initial Benefi t of S$4,500 upon initial claim
ii) Death Benefi t of S$4,500 upon death while receiving monthly
benefi t
+After less 10% large sum assured discount.
ElderShield Comprehensive 2 ADLs (10 years) will also pay out:
i) Initial Benefi t of S$1,200 upon initial claim
ii) Death Benefi t of S$1,200 upon death while receiving monthly
benefi t
Planning for Income Protection with ElderShield Comprehensive
John, age 40, has a regular monthly income of S$6,000. He would
like to enhance his Basic ElderShield 400 cover with a S$1,500
monthly benefi t under ElderShield Comprehensive 2 ADLs (Life)
to fi nance his commitments should he suffer a severe disability.
John’s annual premium for ElderShield Comprehensive:
S$943.58+(S$600 payable from Medisave and S$343.58 in cash).
Benefi ts he will receive under Basic ElderShield 400 +
Comprehensive 2 ADLs (Life):
The benefi t of ElderShield Comprehensive near retirement
Jane, age 53, intends to retire in a few years. She would like to
be covered for her basic necessities should she suffer a severe
disability. She opts to enhance her Basic ElderShield 400 cover
with ElderShield Comprehensive 2 ADLs (10 years) with a S$400
monthly benefi t.
Jane’s annual premium for ElderShield Comprehensive: S$592.78
(the full premium is payable from Medisave).
Benefi ts she will receive under her Basic ElderShield 400 +
Comprehensive 2 ADLs (10 years):
The Great Eastern Life Assurance Company Limited (Reg No. 1908 00011G)
1 Pickering Street, #13-01 Great Eastern Centre,
Singapore 048659
Strengthen your protection with ElderShield Comprehensive. Speak with your Great Eastern Life Distribution Representative today.
The above is for general information only. It is not a contract of insurance. The precise terms and conditions of this insurance plan are specifi ed in the policy contract.
It is usually detrimental to replace an existing accident and health plan with a new one. A penalty may be imposed for early plan termination and the new plan may cost more or have less benefi ts
at the same cost.
This plan 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 benefi ts that are covered under the scheme as well as the limits of coverage, where applicable, please contact us or visit
the Life Insurance Association (LIA) or SDIC websites (www.lia.org.sg or www.sdic.org.sg).
In case of discrepancy between the English and Chinese versions of the brochure, the English version shall prevail.
Information correct as at 30 April 2014.
Call our Product Enquiry Line at +65 6248 2211
Click on greateasternlife.com
Email to wecare-sg@greateasternlife.com
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