Health Protection

ELDERSHIELD COMPREHENSIVE
Enhance your protection in your golden years

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 benefits and a lifetime of added security.

ElderShield Comprehensive strengthens your Basic ElderShield coverage with greater benefits, lifetime
payouts and more.
We all value an active and fulfilling lifestyle during our golden years. Even in the face of disability, we do not want to burden our loved ones
whether financially or physically.
At its best, disability protection with Basic ElderShield is no longer enough. Enhance your disability coverage today to enjoy greater benefits
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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 Benefits at a glance
• Payout trigger for inability to perform 2 Activities of Daily Living1
• Flexible monthly benefits amount
• Lifetime coverage with limited premium terms
• One-time payout in addition to monthly benefit
• Waiver of premiums when receiving monthly benefits
• Level premiums and savings
• Premiums are payable via Medisave

Minimum payout trigger

While Basic ElderShield commences monthly benefit 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 benefits amount

With ElderShield Comprehensive, you can choose payout benefits 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 benefit

ElderShield Comprehensive provides an Initial Benefit (upon your first claim) and a Death Benefit on top of your monthly benefits. Each
one-time lump sum payment is equivalent to 3 times the monthly benefit. The Initial Benefit is paid after a 90-day deferment period while
the Death Benefit is paid upon the demise of the policyholder while he or she is still in receipt of the monthly benefit.

Waiver of premiums
The plan comes with a Premium Waiver benefit which means that you do not need to pay premiums when receiving the monthly benefit.

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 benefits 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 first claim and upon death while in receipt of monthly benefit. Each lump sum is
equivalent to 3 times of your monthly benefit.
Premiums can be paid via Medisave3 and you will also be entitled to 5% loyalty discount from the 2nd year onwards.

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.

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 ElderShield Comprehensive Premiums

MALE FEMALE

Annual premium per S$100 monthly benefit (S$)^ Annual premium per S$100 monthly benefit (S$)
^

2 2
Entry Age Comprehensive 2 ADLs Comprehensive 3 ADLs Entry Age Comprehensive 2 ADLs Comprehensive 3 ADLs

10 Years Life 10 Years Life 10 Years Life 10 Years Life

40 63.50 69.90 55.90 61.50 40 83.10 91.40 70.80 77.90

41 66.10 72.70 58.30 64.20 41 86.30 95.00 73.80 81.20
42 68.70 75.60 60.70 66.80 42 89.80 98.80 76.90 84.60
43 71.50 78.70 63.30 69.70 43 93.50 102.90 80.20 88.30
44 74.60 82.00 66.10 72.80 44 97.40 107.20 83.80 92.20
45 77.80 85.50 69.00 75.90 45 101.60 111.70 87.50 96.30
46 81.20 89.30 72.20 79.50 46 106.10 116.70 91.50 100.70
47 84.90 93.40 75.50 83.10 47 110.80 121.90 95.70 105.30
48 88.90 97.70 79.10 87.10 48 115.90 127.50 100.20 110.30
49 93.10 102.50 82.90 91.20 49 121.40 133.60 105.10 115.70
50 97.80 107.50 87.00 95.70 50 127.40 140.10 110.20 121.30
51 102.80 113.00 91.40 100.60 51 133.70 147.10 115.80 127.40
52 108.20 119.00 96.10 105.80 52 140.70 154.70 121.70 133.90
53 114.10 125.50 101.20 111.40 53 148.20 163.00 128.10 141.00
54 120.50 132.50 106.70 117.40 54 156.40 172.00 135.00 148.50
55 127.50 140.30 112.60 123.90 55 165.30 181.80 142.50 156.80
56 135.30 148.80 119.10 131.10 56 175.10 192.60 150.60 165.70
57 143.80 158.20 126.10 138.80 57 185.90 204.40 159.30 175.30
58 153.30 168.70 133.80 147.20 58 197.80 217.60 169.00 185.90
59 164.00 180.40 142.20 156.50 59 211.10 232.20 179.50 197.50
60 175.80 193.40 151.40 166.60 60 225.90 248.50 191.10 210.30
61 189.30 208.20 161.50 177.70 61 242.60 266.90 204.00 224.40
62 204.60 225.00 172.80 190.10 62 261.90 288.10 218.20 240.10
63 222.20 244.40 185.30 203.90 63 284.10 312.50 233.99 257.40
64 242.70 266.90 199.30 219.30 64 309.90 340.90 251.90 277.10
^ ^
Actual rates may differ due to rounding. Actual rates may differ due to rounding.
Premium rates quoted are inclusive of 7% GST, not guaranteed and may be increased at Premium rates quoted are inclusive of 7% GST, not guaranteed and may be increased at
policy renewal at the full discretion of the company. policy renewal at the full discretion of the company.

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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 benefit under ElderShield Comprehensive 2 ADLs (Life)
to finance 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).
Benefits he will receive under Basic ElderShield 400 +
Comprehensive 2 ADLs (Life):
The benefit 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 benefit.
Jane’s annual premium for ElderShield Comprehensive: S$592.78
(the full premium is payable from Medisave).
Benefits she will receive under her Basic ElderShield 400 +
Comprehensive 2 ADLs (10 years):

Should John suffer from an inability to Should Jane suffer from an inability to
perform 2 ADLs: perform 2 ADLs:
Year 7 onwards until
Year 1 – 6 recovery or death Years 1 – 6 Years 7 – 10

Basic ElderShield 400 N.A. N.A. Basic ElderShield 400 N.A. N.A.

Comprehensive S$1,500 S$1,500 Comprehensive S$400 S$400

2 ADLs (Life) every month every month 2 ADLs (10 years) every month every month

Payouts John S$1,500 S$1,500 Payouts Jane S$400 S$400

will receive every month every month will receive every month every month

Should John suffer from an inability to Should Jane suffer from an inability to
perform at least 3 ADLs: perform at least 3 ADLs:
Year 7 onwards until
Year 1 – 6 recovery or death Years 1 – 6 Years 7 – 10

S$400 S$400
Basic ElderShield 400 N.A. Basic ElderShield 400 N.A.
every month every month

Comprehensive S$1,500 S$1,500 Comprehensive S$400 S$400

2 ADLs (Life) every month every month 2 ADLs (10 years) every month every month

Payouts John S$1,900 S$1,500 Payouts Jane S$800 S$400

will receive every month every month will receive every month every month

ElderShield Comprehensive 2 ADLs (Life) will also pay out: ElderShield Comprehensive 2 ADLs (10 years) will also pay out:
i) Initial Benefit of S$4,500 upon initial claim i) Initial Benefit of S$1,200 upon initial claim
ii) Death Benefit of S$4,500 upon death while receiving monthly ii) Death Benefit of S$1,200 upon death while receiving monthly
benefit benefit

+
After less 10% large sum assured discount.

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Strengthen your protection with ElderShield Comprehensive. Speak with your Great Eastern Life Distribution
Representative today.

Call our Product Enquiry Line at +65 6248 2211

Click on greateasternlife.com
Email to wecare-sg@greateasternlife.com

The above is for general information only. It is not a contract of insurance. The precise terms and conditions of this insurance plan are specified 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 benefits
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 benefits 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.

The Great Eastern Life Assurance Company Limited (Reg No. 1908 00011G)
1 Pickering Street, #13-01 Great Eastern Centre,
Singapore 048659