AIA vs Great Eastern Health Insurance Comparison 2024
Comprehensive head-to-head comparison of Singapore's two largest health insurance providers. Compare coverage, premiums, benefits, and customer experience to make the right choice.
Market Leaders | 63% Combined Market Share | Premium vs Value Positioning | Customer Satisfaction Compared
At a Glance Comparison
AIA HealthShield Gold Max
Premium positioning, global coverage
Great Eastern SupremeHealth
Market leader, value-focused
Key Takeaway
Choose AIA if you prioritize global coverage, premium benefits, and don't mind paying 10-15% more. Choose Great Eastern if you want the market leader with better value pricing and strong regional focus.
Premium Comparison Tool
AIA HealthShield Gold Max
Great Eastern SupremeHealth
Premium Difference Analysis
Detailed Feature Comparison
| Feature | AIA HealthShield Gold Max | Great Eastern SupremeHealth | Winner |
|---|---|---|---|
| Annual Coverage Limit | $2,000,000 | $2,000,000 | Tie |
| Lifetime Coverage Limit | Unlimited | Unlimited | Tie |
| Overseas Emergency Coverage | $2M global | $1M regional | AIA |
| Pre-existing Conditions Waiting Period | 12 months | 12 months | Tie |
| Maternity Coverage | $15,000 | $12,000 | AIA |
| Outpatient Cancer Treatment | $300,000/year | $300,000/year | Tie |
| Mental Health Coverage | $50,000/year | $30,000/year | AIA |
| TCM Coverage | $3,000/year | $2,500/year | AIA |
| Wellness Benefits | AIA Vitality Program | LIVE GREAT Program | AIA |
| Hospital Network | All major hospitals | All major hospitals | Tie |
| Cashless Claims | 95% hospitals | 98% hospitals | Great Eastern |
| Claims Processing Time | 10-14 days | 7-10 days | Great Eastern |
Customer Experience & Service
AIA Customer Experience
Customer Satisfaction
Digital Experience
- AIA+ mobile app with health tracking
- Online claims submission
- Digital policy management
- Vitality wellness rewards program
Customer Support
- 24/7 hotline support
- Live chat available
- 38+ service centers
- Global assistance network
Strengths
- Comprehensive wellness programs
- Strong global coverage
- Premium brand reputation
- Advanced digital features
Great Eastern Customer Experience
Customer Satisfaction
Digital Experience
- GREAT Mobile app
- Online policy services
- Digital claims processing
- LIVE GREAT rewards platform
Customer Support
- 24/7 customer service
- WhatsApp support available
- 50+ branches nationwide
- Mobile service units
Strengths
- Fastest claims processing
- Largest service network
- Strong local market knowledge
- Competitive pricing
Claims Experience Comparison
Claims Approval Rate
Industry average
AIA Processing Time
Average processing
GE Processing Time
Faster processing
Claims Process Comparison
AIA Claims Process
Submit claim via app/online
Digital submission available 24/7
Document verification
AI-powered document processing
Assessment & approval
10-14 days average processing
Payment processing
Direct bank transfer or cashless
Great Eastern Claims Process
Submit via multiple channels
App, online, WhatsApp, or branch
Fast-track processing
Streamlined verification system
Quick assessment
7-10 days average processing
Rapid payment
Same-day payment for approved claims
Who Should Choose Which?
Choose AIA If You:
Value Global Coverage
Frequent business traveler or expat planning to relocate. AIA offers superior overseas emergency coverage ($2M vs $1M) and global assistance network.
Want Comprehensive Wellness
AIA Vitality program offers premium rewards, Apple Watch benefits, and comprehensive health tracking with premium gym partnerships.
Don't Mind Premium Pricing
Higher income earner who prioritizes comprehensive benefits over cost savings. The 10-15% premium is worth it for enhanced coverage features.
Prefer Premium Healthcare
Value higher mental health coverage ($50K vs $30K) and maternity benefits ($15K vs $12K). Perfect for growing families.
Choose Great Eastern If You:
Want Better Value
Cost-conscious but still want comprehensive coverage. Save 10-15% annually while getting market-leading benefits from Singapore's largest insurer.
Need Fast Claims Processing
Prioritize quick claim settlements. Great Eastern processes claims 50% faster (8 days vs 12 days) with 98% cashless hospital network.
Prefer Local Market Leader
Trust the established market leader with 35% market share, 116-year history, and deepest understanding of Singapore healthcare system.
Want Superior Service Access
Need extensive service network with 50+ branches, mobile service units, and WhatsApp support. Better accessibility for seniors.
Expert Recommendation
For Most Singaporeans: Great Eastern
- Better value proposition (10-15% savings)
- Fastest claims processing in market
- Largest service network and accessibility
- Market leader with proven track record
- Higher customer satisfaction (4.5 vs 4.2)
For Global Professionals: AIA
- Superior global coverage and assistance
- Comprehensive wellness programs
- Higher coverage limits for specialized benefits
- Premium brand with international recognition
- Advanced digital health tracking features
Pro Tip
Both insurers offer excellent coverage meeting Singapore's IP standards. Your choice should depend on whether you prioritize value and service efficiency (Great Eastern) or global coverage and premium benefits (AIA). Consider getting quotes from both to see the exact premium difference for your age and health profile.