Estimated position without any IP. MediShield Life alone provides limited coverage, primarily benchmarked to Class B2/C restructured rates.
Column B — MSL + SHP
IP pays eligible bill less deductible and co-insurance. For P Prime at partnering + panel, deductible is S$5,000 and co-ins is 10%. Non-panel: S$6,000 deductible, 40% co-ins.
Column C — MSL + SHP + GTC2
GTC2 P Prime covers deductible excess above S$3,500, and your co-insurance is capped at S$6,000 per year. Non-panel scenarios are not covered by the rider.
Rider pairing
P Plus / P Prime → GTC2 P Prime. A Plus → GTC2 A. B Plus → GTC2 B. These are the only valid pairings under the GTC2 schedule.
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Configure scenario
S$
📊 Side-by-side breakdown
Item
A · MSL only
B · MSL + SHP
C · MSL + SHP + GTC2
Important: This calculator is for general illustration only. The SHP arithmetic follows the model shown by the insurance agent using the GREAT SupremeHealth & TotalCare 2 Benefit Schedule (effective 1 April 2026). Key assumptions: P Prime deductible at partnering + panel = S$5,000; GTC2 P Prime covers deductible excess above S$3,500 and caps your co-insurance at S$6,000 per policy year. MSL-only figures (Column A) are estimates — actual MediShield Life payouts depend on ward class, procedure codes, and subsidy eligibility. Premium rates are not guaranteed and may be revised. This does not constitute financial or insurance advice. Please consult a licensed financial adviser.