For Individuals

Life & Health

It’s one thing to be ill and hospitalised but the trauma that comes from an accidental injury (such as dismemberment) or death from an accident can be even more damaging, especially when there is financial burden involved.

 

What kind of insurance really helps when you’re hospitalised?

The first thing you need is a comprehensive insurance plan that picks up the expenses for your hospital stay and provides extra coverage for a barrage of pre and post-hospitalisation medical needs such as tests, scans, therapy sessions, mobility aids and more.

Sometimes, a health situation may also call for visits to specialists prior to hospitalisation – leading to worries about finding the right expert, plus the stress of securing appointments at short notice.

Furthermore, medical costs are mounting. Having the right coverage amount makes a huge difference. Here are examples^ of three large claims paid by Aviva between 2013 and 2016, to show just how much hospitalisation and medical treatment bills can rack up…

Illness Age Place of Treatment Length of Hospital Stay Amount Incurred Amount Paid by Aviva *
Hypertension, Heart failure & Breast Cancer 38 Private 41 days S$487,131 S$471,527
Chronic Kidney Disease, Acute Myocardial Infarction & Intracranial Onjury 55 Private 147 days S$478,910 S$459,626
Pneumonia 46 Private 47 days S$342,788 S$333,258

 

* Source: Based on Aviva’s medical claims history processed in 2013 to 2016.

*Expenses incurred refers to the total bills which Life Assured may have incurred beyond one policy year. It includes payouts from MediShield Life, MyShield and MyHealthPlus (if applicable), but excludes pre or post hospital treatment claims. Expenses incurred and amount paid by Aviva are rounded off to the nearest dollar value post-hospital treatment claims. Expenses incurred and amount paid by Aviva are rounded off to the nearest dollar value.

 

 

More than just the right coverage. Extra coverage.

Introducing Aviva's MyShield plan – an additional cover that integrates and complements the benefits of MediShield Life* to ensure wider and higher medical coverage in a variety of ways:

  • More than S$1,000,000 annual policy limit^for MyShield Plan 1
  • As-charged1 coverage at public or private hospitals for the medical expenses incurred (including pre and post treatment)
  • Free Cover of up to S$50,000 for newborns2 up to 6 months old
  • Discounted premium rates for children3 (up to age 20 at next birthday) if both parents are covered under MyShield Plan 1 or Plan 2

An option to add on Aviva's MyHealthPlus - rider to MyShield for even more benefits to your medical coverage.


For complete details on key benefits and features, please refer to the Product brochure and Policy Contract.

*For more details on MediShield Life, please refer to https://www.medishieldlife.sg

^ MyShield Plan 1 annual policy limit of more than S$1 million is applicable to treatment and hospitalisation via Aviva’s panel of medical specialists. Please refer to Product Summary for more details.


Footnotes:

  1. As charged refers to the eligible expenses incurred by Life Assured which is subject to pro-ration, deductible, co-insurance, policy year limit, admission of ward class and other policy terms.
     
  2. Free newborn benefit applies to a newborn child(ren) from 15 days old or the date of discharge from hospital after birth, whichever is later. The benefit ends on the date the newborn is 6 months old or takes up a Medisave–approved Integrated Shield Plan, whichever is earlier. Both parents must be covered under Plan 1 or Plan 2 continuously for at least 10 months from the cover start date of their respective policies on the newborn’s date of birth.
     
  3. Discounted premium rates for child(ren) refers to the Family Discount for Child(ren) which is applicable to the child up to age 20 at next birthday (ANB). Please refer to Product Summary for more details.
     

 

 

MyHealthPlus for even greater coverage!

Add on Aviva's MyHealthPlus to your MyShield plan for even more benefits to your medical coverage. There are two options to choose from.

Key benefits of MyHealthPlus:

Option A:

  • Co-insurance1 benefit – covers the co-insurance amount incurred under MyShield
     
  • Extended cover for Post-hospital treatment for up to 180 days at private hospitals and up to 365 days at restructured/community hospitals
     
  • Lump sum payout of S$10,000 per lifetime if diagnosed with listed Critical illnesses2 and an additional lump sum payout of up to S$3,000 per lifetime, for kidney dialysis as a result of kidney failure3
     
  • Free cover child(ren)4
     
  • Covers ambulance fees or transport fares to the hospital
     

Option C: (Option A* + MORE!)

Get covered from the first dollar up and with zero out-of-pocket expenses.

Option A*
(+)   Deductible benefit5
Means you are covered from the first dollar up and with zero out-of-pocket expenses

(+)   Preferred rate6 for child(ren) cover

*You will enjoy all the benefits of Option A except free cover for child(ren).


For complete details on key benefits and features, please refer to the Product brochure and Policy Contract.


Footnotes:

  1. Co–insurance is the amount that you need to co-pay on the claimable amount after the annual deductibles have been paid. The co-insurance of MyShield is 10%, with a maximum of S$25,500 per policy year.
     
  2. Only applies if the Life Assured has crossed his first birthday and is not older than 65 years (ANB). Please refer to Policy Contract for details.
     
  3. Additional critical illness benefit for kidney failure is only applicable if Life Assured undergoes kidney dialysis at any subsidised centre, Restructured hospital or panel private dialysis centre.
    1. Waiver of Pro-ration Factor benefit for outpatient kidney dialysis is applicable to MyHealthPlus Plan 2 and Plan 3 (Option A and C).
    2. Additional critical illness benefit for kidney failure of up to S$3,000 per lifetime if Life Assured undergoes kidney dialysis at any subsidised centre or Restructured hospital.
    3. Additional critical illness benefit for kidney failure of S$1,000 per lifetime is only applicable to MyHealthPlus Plan 1 (Option A and Option C) if Life Assured undergoes kidney dialysis at panel private dialysis centre.
     
  4. Your dependant child who is covered under MyShield’s Family Discount for Child(ren) , is also eligible for free coverage under Option A, Plan 2 of MyHealthPlus, if both parents are covered under Plan 1 or 2 of MyShield and also covered under Plan 1 or 2 of MyHealthPlus Option A or C. The child shall enjoy the same benefits as provided for under Option A, Plan 2 of the Benefits Schedule.
     
  5. Deductible is the cumulative total amount of medical expenses which you have to bear in any one policy year before any benefits are payable. For MyShield, it ranges from S$1,500 to S$5,250. Please refer to the Product Summary and Policy Contract for details.
     
  6. Your dependant child who is covered under MyShield’s Family Discount for Child(ren), is also eligible for Preferred Rate for Children under Option C Plan 2 for up to 20 years ANB, if both parents are covered under Plan 1 or 2 of MyShield and also covered under Plan 1 or 2 of MyHealthPlus Option A or C. The child shall enjoy the same benefits as provided for under Option C Plan 2 of the Benefits Schedule.
     


The policies are 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 benefits that are covered under the scheme as well as the limits of coverage, where applicable, please contact us or the Life Insurance Association Singapore or SDIC website (www.lia.org.sg or www.sdic.org.sg).

 

 

 

MyShield & MyHealthPlus

MyShield and MyHealthPlus Brochure
MyHealthPlus Policy Contract
MyShield Policy Contract
MyHealthPlus Policy Contract (effective Jan 2018)
Premium Tables (including premiums for foreigners) (2017)
Premium Tables (including premiums for foreigners) (from January 2018)

Please contact your preferred Financial Advisor for a copy of the relevant Product Summary/ies.

For enquires on MediShield Life or the Premium Subsidies, please call MediShield Life Hotline at 1800-222-3399 or email contactus@medishieldlife.gov.sg.

 

 

 

 

 

 

 

 

 

 

 

FAQs

To see the entire set of FAQs, please refer to the following documents.

MyShield FAQ
MyHealthPlus FAQ

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

To provide you with an affordable option for additional coverage beyond basic MediShield Life, Ministry of Health (MOH) has worked closely with private insurers such as Aviva to develop a Standard Integrated Shield Plan (IP) based on coverage at Class B1 (4-bed) wards.

Key Benefits of MyShield Standard Plan:

  • Covers hospital stays up to Class B1 (4-bed) wards in restructured hospitals
     
  • Provides higher coverage than MediShield Life for a range of inpatient and outpatient treatments
     
  • Provides higher Annual Claim Limit than MediShield Life
     
  • Guaranteed renewability and lifetime cover


For more details, please refer to the Product Factsheet and Policy Contract.

 

Important Notes:

This factsheet is for general information only and does not take into account any specific financial investment objectives, financial situation and the particular needs of any specific person. Product Summaries may be obtained from Aviva Ltd and the participating distributors’ offices.

You may seek advice from a financial adviser representative to understand the provision of a free-look period, procedures/restrictions on a claim, procedures/charges/restrictions on the termination of the policy and all warnings, exclusions and disclaimers in relation to the product, before making a commitment to purchase it.

In the event that you choose not to seek advice from a financial adviser representative, you should consider whether the product in question is suitable for you. If you decide that the policy is not suitable after purchasing the policy, you may terminate the policy in accordance with the free-look provision and we may recover from you any expense incurred by us in underwriting the policy.

Buying health insurance products that are not suitable for you may impact your ability to finance your future healthcare needs. Full details of the standard terms and conditions of the plans can be found in the relevant policy contract. You should read the Policy Contract and also all the related information along with the claim procedures which can be found on http://www.aviva.com.sg/life-and-health/forindividuals/health.html#myshield and http://www.aviva.com.sg/customer-care/life-and-health/make-a-claim/ respectively.

Information accurate as at March 2016.

The policies are 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 benefits that are covered under the scheme as well as the limits of coverage, where applicable, please contact us or the Life Insurance Association Singapore or SDIC website (www.lia.org.sg or www.sdic.org.sg).

 

MyShield Standard Plan

MyShield Standard Plan Factsheet
MyShield Standard Plan Policy Contract

Please contact your preferred financial adviser representative to find out more.

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Aviva's MyAccidentGuard offers high and comprehensive protection in the event of an accident – with worldwide cover.

Key benefits of MyAccidentGuard:

  • Covers up to age 991
  • Payout of up to 150% of Sum Assured2 in the event of death or dismemberment due to an accident
  • Get 3X payout of Sum Assured3 for accidents while travelling as a fare-paying passenger on a commercial plane or on a cruise ship
  • Get 2X payout of Sum Assured4 for accidents while travelling in a public transport, as a pedestrian or if you get caught in a fire at home or in a public place
  • Renewable on a yearly basis1
  • Covers loss of organs, insanity and/or miscarriage due to an accident5
  • Also covers food poisoning and 21 infectious diseases such as Hand Foot Mouth Disease (HFMD), Dengue (DHF), Zika (even if they are declared as epidemic or pandemic)5
  • Extended coverage for terrorist attacks and natural disasters5
  • Get daily cash payout for up to 365 days when you are hospitalised as a result of an accident
  • Enjoy 10% premium discount when you purchase MyAccidentGuard for your children6

Ready to guard yourself against accidents?

Choose the plan according to the amount of coverage you need – Lite, Standard, Prime and Prestige Plan.

For plan coverage details, please refer to the Product Brochure.


Footnotes:

  1. This plan is yearly renewable up to the Policy Anniversary before the Life Assured turns ninety-nine (99) years old age next birthday (ANB), at the policy level. We reserve the right to cancel this Policy, at any time without incurring any liability, in the event that We decide, at Our sole discretion, to withdraw:
    1. the entire portfolio of this insurance; and / or
    2. a particular plan type of this insurance.
  2. A percentage of the Sum Assured of the Basic Benefit will be payable as stated in the Accidental Death and Dismemberment Benefit (ADDB) Schedule. Please refer to the Product Summary for more details. Note: Policy will be terminated when 150% of the Sum Assured for ADDB is claimed in a Policy Year.
  3. 3X payout refers to the Triple Accidental Death and Dismemberment Benefit (ADDB). The lump sum payment will be three hundred percent (300%) of the ADDB Sum Assured if the Accidental Death or Accidental Injury was caused while Life Assured was travelling as a fare-paying passenger on a commercial plane or on a cruise ship (with at least a night’s stay on board the cruise ship) operated by a licensed operator.
  4. 2X payout refers to the Double Accidental Death and Dismemberment Benefit (ADDB). The lump sum payment will be two hundred percent (200%) of the ADDB Sum Assured if the Accidental Death or Accidental Injury was sustained while the Life Assured was:
    1. in a public conveyance;
    2. a pedestrian (including the Life Assured as a passenger in a public lift or elevator other than lifts or elevators in mines and construction sites); or
    3. in a fire at Home, in a theatre, hotel, public auditorium, School, Hospital or shopping mall from the time the fire started. Workplaces (including offices and factories) are not covered.

    For Life Assured sixteen (16) years old ANB and below, who sustains the Accidental Injury or Accidently Death while:

    1. within the School premises on a School day or during School activities organised and supervised by the School authorities;
    2. taking part in School activities organised and supervised by the School authorities outside the School premises; or
    3. travelling as a passenger on a School Bus, Private Bus or Excursion Bus to and from School or place where the School activities take place.

    Please refer to the Product Summary for complete details.

  5. Please refer to Product Summary for complete coverage details including its definitions and exclusions.
  6. Ten percent (10%) discount for MyAccidentGuard will be offered for the child's basic plan of the same coverage or lower until the child reaches twenty (20) years old ANB, if one of the parents of an eligible child purchases a Standard / Prime / Prestige plan of MyAccidentGuard. This benefit is limited to a maximum of four (4) child(ren) with insurable interest including legitimate child, stepchild or adopted child.

Important Notes

The policy is underwritten by Aviva Ltd.

This brochure is published for general information only and does not have regard to the specific investment objectives, financial situation and particular needs of any specific person. A copy of the Product Summary may be obtained from Aviva Ltd and the participating distributors’ offices. You should read the Product Summary before deciding whether to purchase the policy. You may wish to seek advice from a qualified financial adviser representative before making a commitment to purchase the policy. If you find this plan is not suitable after purchasing it, you may terminate it within the free-look period, and obtain a refund of premium paid. Buying a life insurance policy is a long-term commitment. An early termination of the policy usually involves high costs and the surrender value payable, if any, may be less than the total premiums paid. This brochure is not a contract of insurance. Full details of the standard terms and conditions of this policy can be found in the relevant policy contract. Buying health insurance that is not suitable for you may impact your ability to finance your future healthcare needs.

This policy is protected under the Policy Owners’ Protection Scheme which is administered by the SDIC. Coverage for your policy is automatic and no further action is required from you. For more information on the types of benefits that are covered under the scheme as well as the limits of coverage, where applicable, please contact Aviva Ltd or visit the Life Insurance Association or SDIC websites (www.lia.org.sg or www.sdic.org.sg).

Information is accurate as at April 2017.

 

 

Enhance your coverage by adding these riders1:

  • Accident Reimbursement Cover – reimbursement for necessary medical expenses incurred within twelve (12) months from the date of the Accident, home modification for mobility, treatment from TCM / Osteopathy / Chiropractic (up to S$1,000) and overseas medical treatment (up to S$16,000)
     
  • Accidental Fracture Cover II – get payout for bone fractures or dislocation or physiotherapy treatment
     
  • Weekly Income Cover – receive up to S$500 per week if you’re unable to work due to an accident or sickness2
     
  • Please refer to the respective Product Summaries for complete plans’ details.


Footnotes:

  1. Terms and conditions apply. Please refer to the respective Supplementary Benefit Product Summaries for complete details.
     
  2. Weekly Income due to Sickness Benefit is payable if the Life Assured is hospitalised for a minimum period of five (5) consecutive days and is diagnosed by a Registered Medical Practitioner with Temporary Total Disability / Temporary Partial disability due to Sickness for a continuous period of sixty (60) days after the date of discharge as an inpatient from a hospital (deferment period). Please refer to the Product Summary for complete details.
     

Important Notes

The policy is underwritten by Aviva Ltd.

This brochure is published for general information only and does not have regard to the specific investment objectives, financial situation and particular needs of any specific person. A copy of the Product Summary may be obtained from Aviva Ltd and the participating distributors’ offices. You should read the Product Summary before deciding whether to purchase the policy. You may wish to seek advice from a qualified financial adviser representative before making a commitment to purchase the policy. If you find this plan is not suitable after purchasing it, you may terminate it within the free-look period, and obtain a refund of premium paid. Buying a life insurance policy is a long-term commitment. An early termination of the policy usually involves high costs and the surrender value payable, if any, may be less than the total premiums paid. This brochure is not a contract of insurance. Full details of the standard terms and conditions of this policy can be found in the relevant policy contract. Buying health insurance that is not suitable for you may impact your ability to finance your future healthcare needs.

This policy is protected under the Policy Owners’ Protection Scheme which is administered by the SDIC. Coverage for your policy is automatic and no further action is required from you. For more information on the types of benefits that are covered under the scheme as well as the limits of coverage, where applicable, please contact Aviva Ltd or visit the Life Insurance Association or SDIC websites (www.lia.org.sg or www.sdic.org.sg).

Information is accurate as at April 2017.

 

MyAccidentGuard

MyAccidentGuard

Please contact your preferred financial adviser representative to find out more.

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Contact Us

For more information about Aviva, please Contact Us.

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    Service Hotline
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