ELDERSHIELD COMPREHENSIVEHealth Protection

Enhance your protection in your golden years

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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.

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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

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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

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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

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Email to wecare-sg@greateasternlife.com