ELDERSHIELD COMPREHENSIVE

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1 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 strengthens your Basic ElderShield coverage with greater benefits, 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 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.

2 Benefits at a glance Payout trigger for inability to perform 2 Activities of Daily Living 1 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 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 2 ADLs enhances your coverage to accelerate payouts for inabilities to perform at least 2 ADLs. Choice of benefits amount With ElderShield, 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 benefit ElderShield 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 are level and based on entry age 2. 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 can be made through Medisave 3. Other ElderShield Supplements ValuePlus 300 & 400 Apart from ElderShield, 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 Medisave 3 and you will also be entitled to 5% loyalty discount from the 2 nd 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.

3 ElderShield Premiums MALE Annual premium per S$100 monthly benefit (S$)^ Entry Age 2 2 ADLs 3 ADLs 10 Years Life 10 Years Life ^ 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. FEMALE Annual premium per S$100 monthly benefit (S$)^ Entry Age 2 2 ADLs 3 ADLs 10 Years Life 10 Years Life ^ 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.

4 Planning for Income Protection with ElderShield John, age 40, has a regular monthly income of S$6,000. He would like to enhance his Basic ElderShield 400 cover with a monthly benefi t under ElderShield 2 ADLs (Life) to fi nance his commitments should he suffer a severe disability. John s annual premium for ElderShield : S$ (S$600 payable from Medisave and S$ in cash). Benefi ts he under Basic ElderShield ADLs (Life): The benefit of ElderShield 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 2 ADLs (10 years) with a monthly benefi t. Jane s annual premium for ElderShield : S$ (the full premium is payable from Medisave). Benefi ts she under her Basic ElderShield ADLs (10 years): Should John suffer from an inability to perform 2 ADLs: Year 7 onwards until Year 1 6 recovery or death Basic ElderShield 400 N.A. N.A. Should Jane suffer from an inability to perform 2 ADLs: Years 1 6 Years 7 10 Basic ElderShield 400 N.A. N.A. 2 ADLs (Life) 2 ADLs (10 years) Payouts John Payouts Jane Should John suffer from an inability to perform at least 3 ADLs: Should Jane suffer from an inability to perform at least 3 ADLs: Year 1 6 Year 7 onwards until recovery or death Years 1 6 Years 7 10 Basic ElderShield 400 N.A. Basic ElderShield 400 N.A. 2 ADLs (Life) 2 ADLs (10 years) Payouts John S$1,900 Payouts Jane S$800 ElderShield 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 ElderShield 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 + After less 10% large sum assured discount.

5 Strengthen your protection with ElderShield. Speak with your Great Eastern Life Distribution Representative today. Call our Product Enquiry Line at Click on to 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 ( or In case of discrepancy between the English and Chinese versions of the brochure, the English version shall prevail. Information correct as at 30 April The Great Eastern Life Assurance Company Limited (Reg No G) 1 Pickering Street, #13-01 Great Eastern Centre, Singapore