This page separates investment/retirement policy assets from health-protection premiums and family reference-only policies.
⚠ Urgent — 5 days: Metta & Athena Great TotalCare riders both due 25 Jun 2026 (SGD 471.89 + SGD 473.93). These are on intentional review hold — confirm payment before lapse. Metta's rider must not lapse before planned surgery.
Policy assets / premium-financed structures
| Provider | Policy | ID | Type | Current value | Net equity | Confidence |
|---|---|---|---|---|---|---|
| NTUC Income | LUXE SOLITAIRE | 1813167342 | Premium-financed policy | SGD 396,716.21 | SGD 96,716.21 | High |
| NTUC Income | INVEST FLEX VANTAGE | 1814566849 | Investment-linked whole life | SGD 53,140.82 | SGD 53,140.82 | High |
| NTUC Income | GRO RETIRE EASE | 1812754958 | Limited-pay retirement/endowment | SGD 82,753.16 | SGD 82,753.16 | High |
| NTUC Income | LIVING | 0064488969 | Whole life policy | SGD 89,213.70 | SGD 89,213.70 | High |
| NTUC Income | GRO CAPITAL EASE | 1813523626 | Short-term SRS-funded endowment | SGD 8,224.80 | SGD 8,224.80 | Needs confirmation |
| Singlife / CIMB | Flexi Life Income II | 82793277 | CIMB premium-financed participating whole life | SGD 625,487.00 | SGD 150,118.00 | Schedule-based |
Health protection premium calendar — Professor-managed
| Insured | Policy | ID | Due | Annual premium | Payment method | Status |
|---|---|---|---|---|---|---|
| Tan Teik Kheong | ElderShield Comprehensive 2 ADLs | 6001118881 | 2026-10-31 | SGD 417.64 | To confirm | Active |
| Tan Teik Kheong | Great SupremeHealth B Plus | 0087460155 | 2026-06-01 | SGD 1,586.62 | CPF / MediSave | Active base IP |
| Tan Teik Kheong | Great TotalCare Basic B + Plus Essential | 0087463412 | 2026-05-06 | SGD 715.13 | Credit card | Intentional review hold |
| Metta Tan Houyik | Great SupremeHealth P Plus | 0087460189 | 2026-07-01 | SGD 686.31 | Cash + CPF / MediSave | Active base IP |
| Metta Tan Houyik | Great TotalCare P Optimum + Plus Essential | 0087463446 | 2026-06-25 | SGD 471.89 | Credit card | ⚠ Urgent — 5 days — do not lapse before surgery |
| Athena Tan Jiaxin | Great SupremeHealth P Plus | 0087460171 | 2026-07-01 | SGD 751.71 | Cash + CPF / MediSave | Active base IP |
| Athena Tan Jiaxin | Great TotalCare P Optimum + Plus Essential | 0087463438 | 2026-06-25 | SGD 473.93 | Credit card | Intentional review hold |
Metta Tan Houyik — self-managed / reference only
| Policy | ID | Sum assured | Due | Annual premium | Payment | Status |
|---|---|---|---|---|---|---|
| Essential Protector Plus Plan B | 0241156453 | SGD 100,000 | 2026-07-27 | SGD 325.15 | VISA *3290 | Metta self-managed |
| Great Term | 0236169596 | SGD 1,000,000 | 2027-04-28 | SGD 838.10 | MASTERCARD *2809 | Metta self-managed — 2026 paid |
| Great Term — Living Care Rider | 0236169596-R1 | SGD 200,000 | — | SGD 167.35 | Bundled in Great Term | Do not double-count |
| Great Term — TPD Benefit Rider | 0236169596-R2 | SGD 1,000,000 | — | SGD 59.60 | Bundled in Great Term | Do not double-count |
Athena Tan Jiaxin — self-managed / reference only
| Policy | ID | Sum assured | Due | Annual premium | Payment | Status |
|---|---|---|---|---|---|---|
| Great Term | 0236169619 | SGD 1,000,000 | — | SGD 861.55 | To confirm | Athena self-managed — 2026 appears paid |
| Great Term — Living Care Rider | 0236169619-R1 | SGD 200,000 | — | SGD 238.35 | Bundled in Great Term | Do not double-count |
| Great Term — TPD Benefit Rider | 0236169619-R2 | SGD 1,000,000 | — | SGD 43.20 | Bundled in Great Term | Do not double-count |
| Great Care Benefit Platinum 1000 | 0241108387 | — | — | SGD 330.27 | — | Lapsed |
⚠ Metta — Planned Surgery Advisory (documented Jun 2026)
Metta is considering a surgical procedure. Review before any booking is made.
| Item | Detail |
|---|---|
| Primary surgical cover | Great SupremeHealth P Plus (0087460189) — covers hospitalisation and surgery at private hospital (Plan P tier). This is the workhorse policy for any surgical claim. |
| Co-payment rider — critical | Great TotalCare P Optimum + Plus Essential (0087463446) — eliminates or significantly reduces co-insurance and deductible. Premium due 25 Jun 2026. Must not lapse before the procedure. If lapsed: 10–20% co-insurance plus annual deductible out of pocket. |
| Cosmetic vs medically necessary | Purely cosmetic procedures are excluded by all Singapore IPs including GE SupremeHealth. Reconstructive or medically necessary procedures — certified by a specialist with a formal diagnosis and procedure code — can be claimable. The surgeon's certification and diagnosis code submitted to GE determine the outcome. |
| Pre-authorisation — mandatory | Metta must obtain a Letter of Guarantee (LOG) from Great Eastern before booking surgery. Get the surgeon's written diagnosis and procedure code first, submit to GE for pre-auth. Protects against rejected claim after the fact. |
| Essential Protector Plus Plan B | Policy 0241156453 may pay a fixed surgical benefit on top of any IP claim regardless of IP outcome, as long as performed by a licensed surgeon in a licensed hospital. Check surgical benefit schedule with GE directly. |
| Great Term | Policy 0236169596 — pure death/TPD cover. Not relevant to a surgical claim. |
Action checklist: (1) Pay TotalCare by 25 Jun 2026. (2) Confirm procedure is medically certifiable. (3) Obtain LOG from GE before booking. (4) Check Essential Protector surgical benefit schedule.
Documented by: Prof Dr Tan · Jun 2026 · Dashboard advisory note
Annual premium summary
| Category | Annual | Monthly equiv. | Treatment |
|---|---|---|---|
| Prof Tan health premiums (GE) | SGD 2,719.39 | SGD 226.62 | Professor-managed cash flow |
| Metta + Athena health premiums (GE) | SGD 2,383.84 | SGD 198.65 | Professor-managed family policies |
| Total professor-managed GE premiums | SGD 5,103.23 | SGD 425.27 | Included in cash-flow baseline |
| Metta self-managed GE policies | SGD 1,163.25 | SGD 96.94 | Reference only — excluded from baseline |
| Athena self-managed GE policies | SGD 861.55 | SGD 71.80 | Reference only — excluded from baseline |