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, specialist visits, mobility aids and more.

Illnesses don’t have to be serious to require hospitalisation. Neither do they happen only to adults. Children as young as newborns whose parents have not yet had the time to purchase health insurance for them have also required hospitalisation (especially for respiratory conditions and infections).

Complicating matters further, 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 2015, 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$487,130.53 S$471,527.30
Pneumonia 46 Private 47 days S$342,787.78 S$333,257.78
Leukemia 53 Private 25 days S$296,811.98 S$296,811.98

 

* Source: Based on Aviva’s medical claims history processed in 2013 to 2015.

^ Amount incurred refers to the total bills which Life Assured may have incurred beyond one policy year. It includes payouts from MediShield, MyShield and MyShield Plus (if applicable), but exclude pre or post hospital treatment claims.

 

 

Introducing Aviva’s MyShield plan – an additional cover that integrates and complements the benefits of MediShield Life* to give wider and higher protection of up to S$1,000,000 annual policy limit and as charged1 coverage at public or private hospitals for the medical expenses incurred.

Among other things, MyShield cares more by offering:

  • Free Cover of up to S$50,000 for newborns2 up to 6 months old
  • Discounted premium rates for children2 (up to age 20 at next birthday) if both parents are covered under MyShield Plan 1 or Plan 2
  • Covers the preventive surgery you need to avoid further cancer

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

Key Benefits of MyShield:

  • Covers hospital stays in a Private ward, Class A (1 bedder) and B1 (4 bedder) wards in public and private hospitals3
     
  • As charged1 coverage for Pre–hospital treatment4 up to 90 days prior to admission
     
  • As charged1 coverage for Post–hospital treatment5 up to 180 days after discharge
     
  • Covers treatment received in the Accident and Emergency department within 24 hours prior to your hospital admission6
     
  • Covers Planned7 and Emergency overseas inpatient treatment as charged – pegged up to the costs of Mount Elizabeth Orchard Hospital
     
  • Covers inpatient pregnancy complications
     
  • Covers major outpatient treatments8 including chemotherapy and kidney dialysis
     
  • Living donor organ transplant for up to S$50,000 per lifetime
     

Other benefits include:

  • Choice to select your preferred doctor for treatment
     
  • Stay in a Community Hospital for up to 45 days per policy year
     
  • Opportunity to cover past medical concerns based on moratorium underwriting9
     
  • Guaranteed renewability and lifetime cover
     
  • Covers hospital admission deposit for up to S$10,000, through Letter of Guarantee (LOG)10 at 19 hospitals including private hospitals.
     
  • You can use your Medisave funds11 to purchase a MyShield plan


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


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

    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.

    Discounted premium rates for child(ren)

    Discounted premium rates for children 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.

  3. Ward type benefits depend on the MyShield Plan type i.e. Plan 1, Plan 2 or Plan 3 to which Life Assured is entitled.
     
  4. Pre-hospital treatment refers to the eligible expenses incurred up to 90 days before admission.
     
  5. Post-hospital treatment refers to the eligible expenses incurred up to 180 days after discharge (for Plan 1) and 90 days after discharge (for Plan 2 and 3).
     
  6. Treatment received in the Accident and Emergency department in a hospital within 24 hours prior to the hospital admission is covered under Pre-hospital treatment benefit.
     
  7. We will pay for planned inpatient treatment or day surgery at the overseas hospital that has an approved working arrangement with a Medisave-accredited institution/referral centre in Singapore. The Life Assured must be referred through the Medisave-accredited institution/referral centre in Singapore. For details, please refer to the Product Summary and the Policy Contract.
     
  8. Please refer to Policy contract for details of major outpatient treatment.
     
  9. Only for applicant who has chosen Moratorium Underwriting and provided applicant has not been declined / deferred for the insurance applications and/or do not need to pay Additional Premiums for MediShield Life and/or have declared the pre-existing condition that it has been accepted by us in writing. Please refer to Product Summary and Policy contract for detailed terms and exclusions.
     
  10. Letter of Guarantee (LOG) will be issued to Hospitals for Life Assured who is hospitalised as an inpatient at participating hospitals, provided that the estimated total bill amount exceeds the plan deductible (if applicable). Please refer to our website www.aviva.com.sg for the list of participating hospitals.
     
  11. Premium paid through Medisave are subject to Additional Withdrawal Limits (applicable to Singapore citizens and Permanent Residents) and Medisave Withdrawal Limits (applicable to foreigners). Please refer to the premium tables in Product Summary or visit our website www.aviva.com.sg for details.
     


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).

 

 

Add on Aviva's MyHealthPlus to your MyShield plan for even more benefits to your medical coverage.

Key benefits of MyHealthPlus:

Option A:

  • Co-insurance1 benefit – covers the co-insurance amount incurred under MyShield
     
  • Hospital Cash Benefit2 up to S$300 per day
     
  • Critical illness benefit3 of S$10,000 per lifetime
     
  • Covers ambulance fees or taxi fares to the hospital4
     
  • Covers post-hospital follow-up TCM treatment5
     
  • Free cover child(ren)6
     
  • Extended cover for post-hospital treatment for up to 180 days
     

Option C: (Option A* + MORE!)

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

Option A*
(+)   Deductible benefit7 - means you are covered from the first dollar up and with zero out-of-pocket expenses
(+)   Preferred rate8 for child(ren) cover

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


For more details, 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. For admission to standard wards of restructured hospitals lower than that of chosen plan. This benefit is not payable for day surgery, stay in a community hospital or private hospital or if there is no hospital stay involved.
     
  3. 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.
     
  4. Benefit of S$80 per injury or illness for one-way transport to hospital within Singapore is payable if life assured is admitted as an inpatient within 24 hours of arrival at the hospital for treatment of an illness or injury under MyShield policy.
     
  5. TCM treatment includes the cost of consultation, acupuncture, scrapping, cupping and tui na, but not the cost of medication. Inpatient admission before the post-hospital follow-up TCM treatment must be the result of an accident. We will not pay for any post-hospital follow-up TCM treatment following an inpatient treatment in community hospital.
     
  6. Your dependant child who is covered for free under MyShield , 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.
     
  7. 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.
     
  8. Your dependant child who is covered for free under MyShield is also eligible for Preferred Rate for Children under Option C, Plan2 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 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
MyShield Policy Contract
MyHealthPlus Policy Contract
Premium Tables (including premiums for foreigners)

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.

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

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