For Individuals

Health - MyShield & MyHealthPlus

Myshield & MyShield Plus

Alternatively, speak to your personal financial adviser.

Are you covered for hospitalisation and all other medical needs?

The thing about being hospitalised is that in addition to rest and recovery and hospital stay expenses, there is a barrage of other medical needs that you may not have a say over.

Based on Aviva’s medical claims history, pre and post hospital treatment can be as high as S$53,640*.

Examples of three large claims paid by Aviva between 2012 and 2014 show just how much hospitalisation and medical treatments bills can rack up…

Illness Age Place of Treatment Length of Hospital Stay Amount Incurred Amount Paid by Aviva
Hypertension, Heart failure and Breast cancer 38 Private 41 days S$487,130 S$471,527

Leukemia
 

53
 

Private
 

25 days
 

S$296,812
 

S$296,812
 

Subarachnoid haemorrhage 40 Restructured (Public) 192 days S$162,803 S$220,242 (includes hospital cash benefits payout)
*Source: Based on Aviva's medical claims history processed in 2012 to 2014.


With the high cost of healthcare, what’s your plan to protect yourself, if ever the unforeseen were to strike you down?

 

Introducing MyShield – a companion to MediShield Life

MyShield plan is a Medisave-approved Integrated Shield Plan that integrates and complements the benefits of MediShield Life to provide you with a wider and higher coverage for the medical expenses incurred.
 

Key Benefits of MyShield:

  • As charged1 coverage at public or private hospitals - this means you will have all your eligible expenses re-imbursed and not be restricted by MediShield Life’s claim limits 
     
  • Covers hospital stays in private ward, Class A (1 bedder) and B1 (4 bedder) wards in public and private hospitals2
     
  • Covers Pre and Post hospital treatment3 as charged1 for up to 90 days prior to admission or after discharge
     
  • Covers the treatment received in the Accident and Emergency department3 within 24 hours prior to your hospital admission
     
  • Covers Emergency overseas inpatient treatment4 as charged1 – pegged up to the costs of Mount Elizabeth Orchard hospital
     
  • Choice to select your preferred doctor for treatment
     
  • Guaranteed renewability and lifetime cover, with an annual claim limit up to S$650,000
     
  • Free medical coverage for up to 4 children5
     
  • Opportunity to cover past medical concerns based on moratorium underwriting6
     
  • Covers hospital admission deposit up to S$10,000, through Letter of Guarantee (LOG)7 at 18 hospitals including private hospitals


Other benefits of MyShield:

  • Stay in a Community hospital8 for up to 45 days per policy year
     
  • Covers inpatient pregnancy complications9
     
  • Covers major outpatient treatments10 including chemotherapy and kidney dialysis – as charged1
     
  • Living donor organ transplant11 up to S$50,000 per lifetime
     


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

 

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 Ward type benefits depend on the MyShield Plan type i.e. Plan 1, Plan 2 or Plan 3 to which Life Assured is entitled.

3 Pre and Post hospital treatment refers to the eligible expenses incurred up to 90 days before admission (for pre-hospital) and 90 days after discharge (for post-hospital). 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.

4 Benefits depends on the MyShield Plan type under which Life Assured is covered. Pre-hospital treatment received before and post-hospital treatment received after emergency overseas treatments are not covered. Please refer to Product Summary and Policy contract for details.

5 Free coverage for children is provided based on Plan 2 of MyShield, subject to underwriting, up to 20 years of Age Next Birthday (ANB), provided you and your spouse are covered under Plan 1 or 2 of MyShield.

6 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 . Please refer to Product Summary and Policy contract for detailed terms and exclusion.

7 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 amount (if applicable). Please refer to our website www.aviva.com.sg for the list of participating hospitals.

8 Upon referral from the attending doctor in a restructured hospital / private hospital for immediate admission to a community hospital for continuous stay. The treatment in the community hospital must arise from the same injury or illness that resulted in the life assured’s inpatient treatment in the restructured hospital or private hospital.

9 Please refer to the Benefits Schedule/ Product Summary for the list of complications covered under Inpatient pregnancy complications. Pre-hospital treatment received before and post-hospital treatment received after inpatient pregnancy complications treatments are not covered.

10 Please refer to Policy contract for details of major outpatient treatment.

11 Living donor organ transplant benefit covers charges for major organ transplants of the kidney or liver where the life assured is a living donor. Pre-hospital treatment received before and post-hospital treatment received after living donor organ transplant are not covered.
 


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.

 

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

A: MyShield is a Medisave-approved Integrated Shield Plan (IP) which offers additional benefits on top of what is provided by MediShield (or MediShield Life, after the launch). It is a non-participating, guaranteed renewable annual premium plan denominated in Singapore dollars. It consists of MyShield Plan 1, Plan 2 and Plan 3.

A: MyHealthPlus provides complementary protection to MyShield by providing coverage for the deductibles and/or co-insurance so that you can pay less or have zero out-of-pocket expenses for most of your medical bills.

Only customers who have MyShield coverage are eligible to purchase MyHealthPlus.

A: There is no duplicate coverage.

MyShield is made up of two parts – a basic MediShield (or MediShield Life after its launch) portion run by the CPF Board, and additional coverage provided by Aviva.

MyHealthPlus, which you can purchase from Aviva on top of MyShield, covers the co-insurance and/or deductible that you otherwise have to pay.

Here are some of the MediShield Life and MyShield benefits at a glance:

Features MediShield Life MyShield
Hospital/Ward type Provides cover at restructured hospitals, class B2 or C wards Depending on the selected plan type, provides cover at private hospitals, and class A or B1 wards at public hospitals
Pre- & post-hospitalisation treatment No cover Provides cover
Coverage Capped at various claim limits “As-charged” basis for most benefits
Option to cover co-insurance and/or deductible No Yes, with MyHealthPlus
Allows choice of doctor No Yes

 

A: Any Singapore Citizen or Singapore Permanent Resident may apply as Proposer (Payer)/ Assured provided the Proposer (Payer)/ Assured is a Singaporean or Singapore Permanent Resident with a CPF Medisave account.

For dependant(s), they need not be a Singapore Citizen or Singapore Permanent Resident but must be residing in Singapore to enjoy this coverage. Dependants are defined to be the Proposer (Payer)’s legal spouse, parent(s) or grandparent(s) and/or biological or legally adopted children.

Note: For Plan 3, only Singapore Citizens may apply.

 

Minimum Entry Age (ANB)

Maximum Entry Age (ANB)

Expiry Age

Proposer (Payer)/Assured

17

N.A.^

N.A.

Dependant/ Life Assured

15 days old or the date of discharge from hospital after birth, whichever is later

75

NA,
as the product offers lifetime cover

^If the Proposer (Payer)/ Assured is also the Life Assured, the maximum entry age of 75 (ANB) will apply.

A: Yes, there will be different limits for Singaporeans/Singapore PR and foreigner. You can withdraw money from the Medisave account up to the applicable limits to buy a MyShield policy. Please refer to the Product Summary and visit our website www.aviva.com.sg for the details on the withdrawal limits.

A: To be eligible for coverage, the Life Assured must be between 15 days old and 75 years old at age next birthday on the cover start date and the Life Assured of a MyShield policy.

 

Minimum Entry Age (ANB)

Maximum Entry Age (ANB)

Expiry Age

Assured/ Proposer (Payer)

17

N.A.^

N.A.

Life Assured/ Dependant* 15 days old or the date of discharge from hospital after birth, whichever is later.

75

Critical Illness Benefit expires on the Policy Anniversary date following which the Life Assured attains the age of 65 years old.

All other benefits have no expiry age.

^If the Proposer (Payer)/ Assured is also the Life Assured, the maximum entry age of 75 (ANB) will apply.

*Dependants are defined to be the Proposer (Payer)’s legal spouse, parent(s), grandparents and/or biological or legally adopted children.

A: You can choose to complement MyShield by getting MyHealthPlus Option A or
Option C.

A: Here are the benefits offered under Option A and Option C.

 

Option A

Option C

Co-Insurance Benefit

Yes

Yes

Critical Illness Benefit

Yes

Yes

Hospital-Related Benefits

Yes

Yes

Free Cover for Child(ren)

Yes

No

Accidental Cover for Child Benefit

Yes

Yes

Advanced Benefits for MyShield

Yes

Yes

Preferred Rate for Child(ren)

No

Yes

Deductible Benefit

No

Yes

 

A: If both you and your spouse have been issued with either MyShield Plan 1 or 2, your child(ren) who is/are 20 years old age next birthday and below, up to a maximum of 4 children will be covered for free under MyShield Plan 2.

A: The final payout of the Integrated Shield Plan (IP) is based on the higher of benefits under MyShield or MediShield Life. If MediShield Life payout is more than that of the MyShield, claim is fully paid by MediShield Life.

Medishield Life limits are higher than existing Medishield. If the admission is on or after the launch of Medishield Life, the new limits will be applicable.

There will only be a single point of contact with Aviva, and thus there is no need to file 2 separate claims.

A: You are covered for any inpatient emergency overseas treatment. An emergency refers to a medical condition that requires immediate attention by a doctor within 24 hours of an accident or illness taking place.

You have to settle the bill with the hospital first and together with a medical report; you can then seek reimbursement from us with the original bill.

However, any pre- & post-hospital treatment bills incurred are not covered, regardless of where the pre- and post-hospitalisation treatment is received.

A: Annual deductible is not applied to claims under major outpatient treatment. Co-insurance is applied to both inpatient and outpatient claims.

A: It is the percentage as expressed in the Benefit Schedule which will be applied on the hospital bills (including pre- and post-hospital treatment) incurred. It will be used in the event that the Life Assured is admitted to a ward/hospital higher than what he is entitled to under his policy. The pro-ration factor is not applicable to Plan 1.

Example 1 (MyShield Plan 2 without MyHealthPlus Option A or C)
Madam Tan was hospitalised for 10 days for surgery. She was admitted to Thomson Medical Centre. A 50% pro-ration is applied to the bill before deductible and co-insurance:

Private hospital

Amount

Thomson Medical Centre

$20,000

Pro-ration

$20,000 X 50% = $10,000

Deductible

$10,000 - $3,500 = $6,500

Co-insurance

$6,500 X 10% = $650

MyShield pays

$5,850

Policyholder pays

$14,150


Example 2 (MyShield Plan 1 with MyHealthPlus Option C)
Madam Fatimah was hospitalised for 10 days for surgery. She was admitted to Thomson Medical Centre. No pro-ration is applied as Madam Fatimah stay within her entitled ward:

Private hospital

Amount

Thomson Medical Centre

$20,000

Pro-ration

NIL

Deductible

$20,000 - $3,500 = $16,500

Co-insurance

$16,500 X 10% = $1,650

MyShield pays

$14,850

MyShield Option C pays

$1,650 (co-insurance) +
$3,500 (Deductible)

Policyholder pays

$0


If the Life Assured is admitted to a ward/hospital that is the same or lower than what the Life Assured is entitled to under the policy but their pre- and/or post-hospital treatment is in a hospital or clinic higher than what the Life Assured is entitled to, we will apply the pro-ration factor to the pre- and/or post-hospital treatment as specified in the Benefits Schedule.

If, during hospitalisation, there is a change of ward, we will base on the ward immediately before the discharge to determine whether the pro-ration factor should be applied to the hospital bills.

For avoidance of doubt, the pro-ration factor is only not applicable to expenses incurred in:

  1. a Singapore restructured hospital for major outpatient treatment, day surgery, pre-hospital treatment and post-hospital treatment; or
  2. a subsidised dialysis or cancer centre in Singapore for major outpatient treatment.

If the life assured receives inpatient treatment in a luxury or deluxe suite or any other special room of a hospital, we will calculate the pro-rated amount of the actual charges which the life assured has to pay for each type of plan as follows:

For plan 1:
Charge for a single-bedded A1 ward in Mount Elizabeth Orchard Hospital    X    total bill
Room Charge which the life assured had to pay

For plan 2:
Charge for a standard A1 ward in Singapore General Hospital     X     total bill
Room Charge which the life assured had to pay

For plan 3:
Charge for a standard B1 ward in Singapore General Hospital     X     total bill
Room Charge which the life assured had to pay

We pay the minimum of reasonable expenses or the pro-rated amount of the total bill, whichever is lower.

A: Yes, you can. You are required to file the claim under MyShield policy upon admission to hospital. You will need to complete the claim form (provided by the hospital) and note that submission is via the online claim system, in which Aviva will receive the claim. Therefore you do not have to manually submit any documents to Aviva. After the settlement of the MyShield policy, you will receive the original tax invoice from the hospital. Thereafter, you can submit the original final tax invoice to your company/ other medical insurance company where the company medical insurer will work out the relevant amount and reimburse Aviva for their share. Aviva will top up the balance annual claimable limit accordingly based on the payment received.

Should you not make the claim in this order and the Group insurer paid directly to the hospital, we will pay the balance of the claim under MyShield or the expense incurred, whichever is lower. You need to be aware that if you choose not to E-file the claim and only wish to claim the balance from MyShield, we will still request for the claim to be submitted through the online claim system because Aviva and/or Medishield Life will be the payers of the balance benefits where applicable.

This means that you must return to the hospital to E-file the claim and be charged an administrative fee. We urge you to E-file through the online claim system. Even if the Group Insurance guarantees full or partial payment, you can still submit via the online claim system. Another advantage is that MyShield will pay for the GST that’s not payable under Group Insurance. If you have your own private medical insurance (not company/employer), the process on reimbursement is similar.

MyShield’s Last Payer Status helps to conserve your MyShield policy claim limits.

For every claim, the total reimbursement to be made should not exceed the expenses actually incurred.

A: The guide below shows how a claim can be made when you are hospitalised or need a day surgery.

  • On the day of hospital admission/surgery, inform the hospital/clinic of your intention to file a claim under MyShield.
  • You will be asked to complete the consent in the Medical Claims Authorisation Form (Single or Multiple version) at the hospital/clinic. The hospital/clinic will usually E-file your claim to us within 2 weeks after hospital discharge. We will administer all payouts and inform you on the outcome of the claim including that of the MediShield Life claim. We will be your single point of contact and service.
  • Once Aviva receives your claim, we will do our assessment to decide if it is payable, not payable or requires further information.
  • From the assessment, you may be informed by Aviva to furnish additional requirement. Upon advice by Aviva, please furnish us with required document/information soonest possible so that we can process the claim.
  • After we complete the assessment, we will pay the claimable amount to the hospital/clinic. If you have made any payment to the hospital/clinic, the relevant refund will be made by the hospital/clinic to you or your Medisave account (if applicable).

If you are covered under MyHealthPlus, Aviva will automatically assess this benefit together with MyShield and pay the relevant claimable amount to you or hospital/clinic, where applicable. However, if there are outstanding requirements for your MyHealthPlus claim, Aviva will assess only your MyShield claim first and update you accordingly on your MyHealthPlus claim.

A: Simply mail the original pre- or post-hospital treatment bills to Aviva for claims assessment. Upon receipt of the bills, Aviva will assess and pay any claimable amount to you by cheque.

A: To be eligible, the estimated bill size has to be above deductible and reason for the hospitalisation or surgery does not fall within the following list of pre-excluded conditions:

  • Pregnancy or childbirth
  • Self-inflicted injury or suicidal attempt
  • Congenital or birth defect
  • Cosmetic surgery or treatment
  • Infertility, sterilisation, impotence, sexual dysfunction, sex change operations
  • Treatment for weight reduction or weight improvement

Do note that if your admission is for a condition that was specifically excluded (substandard terms) by Aviva after underwriting, the eLOG can still be issued. After we do our assessment, we will reject the claim as it is excluded. If the admission was for a different condition, the claim will be admitted (assuming it is not a pre-existing condition).

If the Life Assured is a foreigner, he/ she will not be eligible for Aviva’s eLOG.

A: In the event that the Assured is unable to pay the upfront cash deposit or the Medisave account of the Assured or family member is insufficient to cover the deposit required by the hospital, the LOG will be used to request the hospital to waive the admission deposit, up to $10,000.

Upon admission or on the day of surgery, the hospital staff will check whether you are eligible for LOG by verifying through the eLOG system. eLOG allows the waiver of hospital deposit required by the hospital in the event of a hospitalisation or surgery at participating hospitals if the claimant’s estimated medical bill is above the plan deductible.

If the Assured is covered under MyShield only (without MyHealthPlus), the annual deductible and coinsurance will not be included in the eLOG. Upon issuance of the eLOG, the Assured is still required to bear the deductible and co-insurance.

Do note that the eLOG is subject to acceptance by the hospital and does not guarantee a waiver of deposit. At the time of discharge, the hospital may require the Assured to fully settle the hospital bill despite eLOG being issued.

While we provide this facility to our customers to ease the admission process (so no upfront cash is required up to the eligible amount approved by the eLOG system), Aviva has the right to review each claim submitted after discharge. If the claim is payable, Aviva will be responsible for the eligible claim amount. If the claim is not payable, Aviva or the hospital will request any amount not covered under the policy.

A:

Restructured Hospital

Private Hospital

Alexandra Hospital

Fortis Surgical Hospital

Changi General Hospital

Gleneagles Hospital

Khoo Teck Puat Hospital

Mount Alvernia Hospital

KK Women’s and Children’s Hospital

Mount Elizabeth Hospital

National University Hospital

Parkway East Hospital

Singapore General Hospital

Novena Surgery Pte Ltd

Tan Tock Seng Hospital

Mount Elizabeth Novena Hospital

Ng Teng Fong General Hospital

Thomson Medical Centre

 

Raffles Hospital

 

Farrer Park Hospital


This eLOG service is subject to these key terms and conditions:

  1. The hospital may require you to fully settle the bill despite eLOG being issued.
  2. eLOG will not be issued if the patient’s estimated medical bill is below the plan’s annual deductible amount or the medical condition to be treated is an exclusion defined in the policy document.
  3. Annual deductible and / or co-Insurance would not be included in the eLOG, unless the patient is also covered under MyHealthPlus Option A and / or B or C.
  4. eLOG is not a policy benefit and is not part of your MyShield policy document.
  5. The issuance of an eLOG is subject to Aviva’s review and discretion. It does not mean that Aviva approves or admits any claim made under your MyShield and / or MyHealthPlus policy contract or any claim amount payable (if at all) in respect of any such claim. Aviva will assess the claim upon receipt of the bill from the hospital.
  6. No employer or third party insurer has provided any Letter of Guarantee.

A: The premium you pay to Aviva for MyShield includes premiums for both the MediShield portion and the additional coverage provided by Aviva.

When MediShield Life is rolled out, MediShield Life premiums will be higher than the existing premiums for MediShield. This will result in overall higher premiums for MyShield. However, the Government has committed to subsidies for all Singaporeans to help with their MediShield Life premiums. To calculate your estimated MediShield Life premiums after the applicable premium subsidies (i.e. premium subsidies for lower- to middle-income, Pioneer Generation subsidies, and transitional subsidies), please visit https://www.moh.gov.sg/content/moh_web/medishield-life/premium-calculator.html.

A: You will still be able to receive the applicable MediShield Life subsidies (i.e. premium subsidies for lower- to middle-income, Pioneer Generation subsidies, and transitional subsidies) if you meet the eligibility criteria, even if you are insured under MyShield. You do not have to downgrade your MyShield plan to receive the subsidies. Premium subsidies for those who are currently insured under MyShield will be based on the MediShield Life component of the premiums.


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

   MyShield FAQ
   MyHealthPlus FAQ

 

Contact Us

For more information about Aviva, please Contact Us.

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    Service Hotline
    6827-7788