For Individuals

Health - MyShield & MyShield Plus

Myshield & MyShield Plus

Alternatively, visit your nearest DBS/POSB branch,
or speak to your personal financial adviser.
 

In the hustle and bustle of everyday life it can be hard to give your well being the attention it deserves. At Aviva we are here to help you with our comprehensive health insurance products. The cost of managing your health care needs can rise when aspects of your life change, such as when you have children, or when you're planning your golden years.

Aviva’s health insurance products can protect you from rising medical and hospitalisation costs. So when you need it most, our health insurance plans can help keep you protected and make sure you and your family get the care you need.

MyShield

 

MyShield is a Medisave-approved Integrated Shield plan that provides comprehensive health protection with great cost savings for your entire family’s healthcare needs. Unlike other hospital plans, you do not have to worry about your past medical history. With this hardworking Shield plan comes a flexible option so that you can have the opportunity to obtain coverage for pre-existing conditions1
 

Key Benefits of MyShield:
 

  • Free medical cover for your children2
    Designed to provide comprehensive medical coverage for your family, MyShield is the only integrated Shield plan in Singapore to provide free medical coverage for your children (up to 20 years old at Age Next Birthday), as long as both you and your spouse are covered under MyShield’s Plan 1 or 2. So you can enjoy cost savings while your family enjoys comprehensive healthcare protection.
     
  • Cashless hospital admissions5, even at private hospitals4
    We are one of the few insurers in Singapore to offer a Letter of Guarantee (LOG)5, even at private hospitals4, allowing you and your family to focus on getting better without worrying about cash payments during hospital admission. 
     
  • Inflation-proof medical care
    MyShield provides “as-charged3” medical coverage, to protect you from medical inflation, even for private hospitals. 
     
  • Opportunity to cover past medical concerns with Guaranteed Issuance
    First and only insurer to offer this feature in the market, MyShield provides you with the opportunity to obtain coverage for pre-existing conditions1 through a simplified and hassle-free application process that requires no medical declaration, based on moratorium underwriting1.
     
  • Affordable cover without the financial strain
    There’s no need to strain your cash reserves. Simply put your Medisave funds to work and enjoy comprehensive cover for yourself and your family. Your Medisave Account can be used to pay for premiums from S$800 to S$1,400 per year7
     
  • Guaranteed renewability & unlimited lifetime cover
    No matter which plan you choose, MyShield is guaranteed renewable regardless of your future health conditions, and provides lifetime cover with no lifetime claim limits.
     

 

Terms and Conditions
1. Based on Moratorium Underwriting and provided applicant is not of occupation class 4 and has not been declined / deferred for other insurance applications.
2. Free coverage for children (up to a maximum of 4 children) is provided based on Plan 2 of MyShield, subject to underwriting, up to 20 years of age next birthday.
3. Co-insurance and/or deductible apply. Pro-ration factor may also apply.
4. Private hospitals include Novena Surgery Pte Ltd , Parkway East Hospital, Mount Elizabeth Hospital, Mount Elizabeth Novena Hospital, Gleneagles Hospital, Fortis Colorectal Hospital and Mount Alvernia Hospital.
5. Letter of Guarantee will be issued to Hospitals for insured persons who are hospitalised as an inpatient at participating Restructured Hospitals and private hospitals, provided that the estimated total bill amount exceeds the plan deductible.
6. Upfront cash deposit is up to a maximum of S$10,000 after deductible and co-insurance. Higher limits may be granted on a case-by-case basis, via system requests from hospitals.
7. Premiums paid from Medisave based on S$800 per year for customer aged 65 years old and below at age next birthday, S$1,000 per year for customer aged 66 to 75 years old at age next birthday, S$1,200 per year for customer aged 76 to 80 years old at age next birthday; or S$1,400 per year for customer above 80 years old at age next birthday.


 

The policy is underwritten by Aviva Ltd.
This information is published for general information only and does not have regard to the specific investment objectives, financial situation and the particular needs of any specific person. A product summary in relation to MyShield / MyShield Plus is available and 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 financial adviser before making a commitment to purchase the product. In the event that you choose not to seek advice from a financial adviser, you should consider whether the product in question is suitable for you. Buying health insurance products that are not suitable for you may impact your ability to finance your future healthcare needs. This information is not a contract of insurance. Full details of the standard terms and conditions of this plan can be found in the relevant policy contract. In the event of any inconsistencies between the English language version and the Chinese language version, the English language version of this brochure shall prevail. Information is correct at time of publishing.

 

 

 

MyShield Plus

How to Apply

Get the extra coverage you need for as little as less than less than 10 cents1 a day.

MyShield Plus Option A
Flexibility to cover your co-insurance expenses and other great benefits:

  • Children are covered under Free Child Cover
    Like MyShield, your child will enjoy free coverage2 when both you and your spouse are covered under MyShield Plus Plan 1 or Plan 2. This benefit will continue for up to 20 years old at age next birthday even upon the demise of any one of the parents.
     
  • Critical Illness coverage
    You can receive a lump sum payout of S$10,000 upon the diagnosis of any one of the 30 critical illnesses, up to 65 years old at age next birthday. Children who are covered under the Free Child Cover are also covered for the full 30 critical illnesses. 
     
  • Accidental Coverage for Insured Child
    We will payout a lump sum if your child suffers an accidental fracture.
     
  • Advanced Benefit under MyShield Plus Option A
    You can expect your MyShield benefits to be enhanced under Advanced Benefit when you are covered under MyShield Plus Option A. To find out more, you can refer to the benefit schedule for the details of Advanced Benefits.

[NEW] MyShield Plus Option C:
Comprehensive coverage with zero out-of-pocket expenses. You can receive the coverage provided by MyShield Plus Option A3 and more:

  • Covers your Deductible expenses
    You can enjoy coverage with zero out-of-pocket expenses as Option C can cover the charges from first dollar onwards.
     
  • Enjoy Preferred Rate for Children
    You child will enjoy preferred rate4 when both you and your spouse are also covered under MyShield Plus Plan 1 or Plan 2.
     
  • Guaranteed renewability
    What's more, MyShield Plus is also guaranteed renewable regardless of your future health conditions.

Based on MyShield Option A Plan 3 premium of S$31.47 per year.
2 Your dependant child who is eligible for free coverage under MyShield, is also eligible for free coverage under Option A Plan 2 of MyShield Plus if both parents are also insured under Plan 1 or Plan 2 of MyShield Plus and covered under Plan 1 or Plan 2 of Option A or Option C. The child shall enjoy the same benefits as provided for under Option A Plan 2 of the Benefits Schedule.
3All benefits under MyShield Plus Option A according to chosen plan, excluding Free Coverage for Child(ren).
4Your dependant child who is eligible for free coverage under MyShield, is also eligible for Preferred Rate for Child(ren) under Option C Plan 2 of MyShield Plus if both parents are also insured under Plan 1 or Plan 2 of MyShield Plus and covered under Plan 1 or Plan 2 of Option A or Option C. The child shall enjoy the same benefits as provided for under Option C Plan 2 of the Benefits Schedule.

 

The policy is underwritten by Aviva Ltd.
This information is published for general information only and does not have regard to the specific investment objectives, financial situation and the particular needs of any specific person. A product summary in relation to MyShield / MyShield Plus is available and 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 financial adviser before making a commitment to purchase the product. In the event that you choose not to seek advice from a financial adviser, you should consider whether the product in question is suitable for you. Buying health insurance products that are not suitable for you may impact your ability to finance your future healthcare needs. This information is not a contract of insurance. Full details of the standard terms and conditions of this plan can be found in the relevant policy contract. In the event of any inconsistencies between the English language version and the Chinese language version, the English language version of this brochure shall prevail. Information is correct at time of publishing.

MyShield & MyShield Plus

MyShield and MyShield Plus Brochure
MyShield Policy Contract
MyShield Plus Policy Contract
icn-pdf Application Form for MyShield and MyShield Plus
icn-pdf Change of Payment Method Form

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

 

Contact Us

For more information about Aviva, please Contact Us.

  • Customer
    Service Hotline
    6827-7788