LIVE GREAT PROGRAMME
The first integrated health and wellness initiative from a life insurer in Singapore aims to empower and reward policyholders and the community to live healthier and better.
GE tells The Sunday Times that it arose from extensive customer insights and research showing that a common concern was health and wellness issues, in particular the rising cost of medical care.
The programme, which started in 2012, is built on five pillars: wellness tools, health tips, mobile apps, workshops and events and exclusive privileges with the Live Great Card.
Mr Colin Chan, GE's managing director of group marketing, says that since the programme's inception, more than 1.5 million people have participated in its health and wellness events and workshops. Major initiatives include the GE Women's Run and GE Bubble Dash Run.
GE LIVE GREAT CARD
The Live Great card is free and offers access to health-related privileges from merchants and fitness providers. It is available to all GE policyholders who sign up for it via its website. It will be extended to Overseas Assurance Corp (OAC) policyholders with annualised plans from July 1.
GE has more than one million Live Great card members across Singapore, Malaysia and Indonesia and more than 120 merchant partners in the region offering health and wellness privileges to cardmembers.
LIVE GREAT HEALTHY REWARDS PROGRAMME
Policyholders of GE's Supreme Term (a term insurance plan) and PayAssure plan enjoy premium rebates of 15 per cent for the first two years and a one-time 30 per cent premium rebate for the third year, as an incentive to maintain a healthy lifestyle.
Mr Colin Chan, GE's managing director of group marketing, says Health Connect gives customers greater peace of mind as it offers preauthorisation of medical expenses before admission.
PayAssure is an income protection plan that provides policyholders a monthly income benefit when they are unable to work due to an illness or injury.
More than 10,000 of eligible Supreme Term or PayAssure policyholders were offered this programme after undergoing a simple biometric test to assess key indicators such as Body Mass Index, cholesterol and blood pressure.
This is a three-month scheme aimed at improving the fitness level of first-time runners leading up to the Great Eastern Women's Run. Non-runners are empowered to take the first steps to healthier living with a complimentary starter's kit including running shoes, running T-shirt, activity tracker and an exercise plan.
As part of the training, Madam Teo Yok Wan, who had been diagnosed with high blood pressure and high cholesterol, brisk-walked and ran three times a week.
At the end of three months, not only did Madam Teo, 65, manage to complete her first 21.1km run but her blood pressure and cholesterol levels also returned to normal .
"When I first started to run, I was panting and trying to catch my breath. My daughter suggested I start with brisk-walking. So I did and managed 3km. Then 5km. And I kept going further... I can't believe I completed the 21km in three hours and three minutes," she says.
LIFE PROGRAMME FOR GE EMPLOYEES
This programme rewards GE staff with Life points (1 Life point = $1) that can be used for health and wellness benefits, including products and services offered by Live Great Programme partners, fund premiums for insurance plans from GE as well as medical expenses.
For example, Ms Tabitha Tan, 52, regularly participates in Life Programme activities such as the vertical challenge which involves climbing flights of stairs at the office. She no longer has high blood pressure, exercises three times a week and keeps a healthy diet.
Around 75 per cent of staff at the Great Eastern Group participate in the programme, which has seen more employees improve their biometric health assessment scores, which in turn has contributed to better overall work-life balance and higher productivity.
HEALTH AND WELLNESS CREDIT CARDS
In collaboration with OCBC Bank, GE offers the OCBC Great Eastern Cashflo card (Singapore) and the OCBC Great Eastern Co-Branded Live Great card (Malaysia).
Besides providing access to health and wellness privileges, the OCBC Great Eastern Cashflo card offers 1 per cent cash rebates on selected GE and OAC endowment and protection plans.
GE HEALTH PLANS
Health Connect, which started in March, is a complimentary and optional call-in service that helps customers make appointments with medical specialists and offers pre-authorisation of medical expenses before admission.
It is only for customers of GE's integrated Shield (hospitalisation) plan, Supreme Health.
The call-in service on 6563-2233 helps with scheduling an appointment with GE's selected panel of doctors across 20 medical specialities. But appointments with specialists at restructured hospitals have to be made by the patient or his next of kin.
After the consultation and diagnosis, Health Connect will allow the assessment of the policyholder's medical expenses before hospital admission, based on the estimated bill size, against the IP coverage and rider. A certificate of pre-authorisation will then be provided, which waives the hospital admission deposit.
And claimable expenses will be settled directly with the hospital, which results in convenience and a hassle-free discharge as it does away with the need to wait for reimbursement.
Mr Chan says: "This offers customers greater peace of mind as it manages certainty at the beginning, rather than at the point of claims reimbursement after discharge."
At the start of this month, GE rolled out a new integrated Shield plan (IP) rider, Total Health Platinum Select, for its IP that covers private hospitals.
This offers complete coverage from the first dollar up by taking care of the deductible and co-insurance components of the policyholder's bill. The waiver of the two components is conditional on the policyholder using the pre-authorisation service via Health Connect.
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