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.

 

FAQs

 

MyShield

Product Description

  • Q: What is MyShield?
  • A: MyShield is a Medisave-approved integrated Shield plan which offers additional benefits on top of what is provided by MediShield. 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.

Changes to Medishield

  • Q:Why is there a need to increase the premium for MediShield?
  • A: As a not-for-profit self-financing insurance scheme, MediShield premiums have to be adjusted from time to time in line with the latest claims experience. This ensures that the scheme remains solvent and can continue to fund payouts to policyholders in future. Since the last premium revision in 2008, the average claim per policyholder had increased by about 12% per year from 2009 to 2011.

    The increase in claims experience was due to:

    • Growing number of claims paid: Since the last revision of deductibles in 2005, MediShield has been covering more hospital bills than projected. Together with the rising utilisation of healthcare, the number of claims per policyholder has increased by 9% per annum.
    • Rising cost of treatment as Singaporeans are receiving higher quality of treatment due to medical advances, which contributes towards improving patient outcomes.
    • Overall medical inflation at about 3% per annum.

     

  • Q: Is there a minimum number of hours of stay in the emergency ward before a patient will be put into a short-term ward?
  • A: There is no minimum number of hours of stay in the emergency ward before a patient can be admitted into a short-stay ward. The attending doctor decides when to admit the patient.

Basic Features

  • Q: Why is there an increase in the premium in the new MyShield?
  • A: The recent changes to MediShield (effective 1 March 2013), also impact the benefits and premiums of MyShield as well.

    The revision to MyShield premiums is also due to the latest claims experience. It is important to support the healthcare landscape in Singapore- such as medical inflation and health issues which have led to an increase in number of claims and average payout per policyholder.

  • Q: What are the key differences between the current MyShield and the new MyShield that takes effect from 1 March 2013?
  • A: There will be changes to the premium rates, the key differences of benefits between the plans:

    No Current MyShield New MyShield
    1 No coverage of Accident & Emergency Treatment under Pre-Hospital Specialist Consultation. We will cover Accident and Emergency (A&E) Treatment given within 24 hours prior to hospitalisation.

    This benefit will be renamed as “Pre-Hospital Specialist’s Consultation and Accident and Emergency (A&E) Treatment.”
    2 Cornea is not covered under Surgical Benefits for Major Organ Transplant. We will include Cornea into the Surgical Benefits for Major Organ Transplant benefit.
    3 Inpatient Congenital Anomalies (after waiting period of 24 months). Benefit is as charged (i) Inpatient Congenital Anomalies (after waiting period of 24 months). Benefit is as charged.

    (ii) Inpatient Congenital Anomalies excluding Surgical Benefits (first diagnosed within waiting period of 24 months). Surgical fees are not payable. Refer to the table below for benefit

    Plan 1 Plan 2 Plan 3
    Up to $450 per day or S$900 per day for Intensive Care Unit
    4 Inpatient Psychiatric Treatment (after 10 months of continuous coverage) (per policy year). Benefit is as charged for Plan 1 and 2 up to 60 days and 45 days respectively. No Inpatient Psychiatric Treatment coverage for Plan 3 (i) Inpatient Psychiatric Treatment (after 10 months of continuous coverage) (per policy year). Benefit is as charged for Plan 1 and 2, up to 60 days and 45 days respectively. $100 per day up to 35 days for Plan 3.

    (ii) Inpatient Psychiatric Treatment (within 10 months of continuous coverage) (per policy year).

    Refer to the table below for benefit
    Plan 1 Plan 2 Plan 3
    Up to $100 per day up to 35 days
    5 Pro-ration Factor

      MyShield
    Pro-ration factor Plan 1 Plan 2 Plan 3
    Private Hospital/ Medical Institutions and Hospitals outside Singapore N.A. 65% 50%
    Restructured Hospitals – Class A N.A. N.A. 85%
    Unsubsidised wards in Community Hospitals N.A. N.A. 85%
    For Plan 2 and 3, we will revise the pro-ration factors for the insured person who is admitted to a ward/ hospital higher than his entitlement under the policy.

    Here are the revised pro-ration factors:
      MyShield
    Pro-ration factor Plan 1 Plan 2 Plan 3
    Private Hospital/ Medical Institutions and Hospitals outside Singapore N.A. 50% 35%
    Restructured Hospitals – Class A N.A. N.A. 85%
    Unsubsidised wards in Community Hospitals N.A. N.A. 85%
    6 Annual Deductible

    Annual deductible restarts once crosses policy year
      MyShield
    Annual Deductible for Insured Persons 80 years and below age next birthday. Plan 1 Plan 2 Plan 3
    C Class Ward S$1,000 S$1,000 S$1,000
    B2 Class Ward S$1,500 S$1,500 S$1,500
    B1 Class Ward S$2,000 S$2,000 S$2,000
    A1 Class Ward/ Private Hospital and Hospital outside Singapore S$3,000 S$3,000 S$3,000
    Day Surgery S$3,000 S$3,000 S$2,000
    The Annual Deductible will be increased due to regulation requirements:

    If hospitalisation for the same injury or illness period, including Pre- and Post-Hospitalisation Follow-up Treatment, crosses over 2 policy years, we will only apply one deductible.
      MyShield
    Annual Deductible for Insured Persons 80 years and below age next birthday. Plan 1 Plan 2 Plan 3
    C Class Ward S$1,500 S$1,500 S$1,500
    B2 Class Ward S$2,000 S$2,000 S$2,000
    B1 Class Ward S$2,500 S$2,500 S$2,500
    A1 Class Ward/ Private Hospital and Hospital outside Singapore S$3,500 S$3,500 S$3,500
    Day Surgery S$3,000 S$3,000 S$2,000
    7 Policy provisions

    (A) General Conditions 5 and 16

    (B) Section II – Limits of Liability

    (C) Section III- Covered Benefits

    (D) General Exclusions
     
    Reworded the following sections in the policy provisions for clarity

    (For details, please refer to the renewal letter)
    8 Premium age bands for below 30 The premium for age 1- 20, and 21 – 30 to be aligned with MediShield.

  • Q: Can MyShield Plus be added after commencement of MyShield policy?
  • A: Yes, Please contact us at 6827 7788 or your financial advisor for assistance.

  • Q: Do I need to inform Aviva if I want to change to the new MyShield?
  • A: No. For existing customers, we will inform them of the new MyShield at least 30 days before their next renewal. They will be automatically upgraded to the new MyShield upon the policy renewal unless they have informed us otherwise.

  • Q: What are the changes to the pro-ration factor?
  • A: There is an adjustment to the pro-ration factor for Plan 2 and 3 in order to manage claims experience.

    Pro-ration Factor Plan 1 Plan 2 Plan 3
    Private Hospitals/ Medical institutions and Hospitals outside Singapore N.A. 50% 35%
    Restructured Hospitals - Class A N.A. N.A. 85%
    Unsubsidised wards in Community Hospitals N.A. N.A. 85%

Premiums and Procedures

  • Q: When is the Medisave deduction date?
  • A: The deduction takes place on 22nd of the policy renewal month which is a preset date by CPFB.

  • Q: How do I know if my policy has been renewed?
  • A: As long as you did not initiate any termination request, the policy is deemed to be automatically renewed upon expiry (subject to the full payment of premium).

    The annual premium deduction will be reflected in your Yearly CPF Statement.

  • Q: What premium payment methods are available?
  • A: Premiums will be deducted in full from the designated Medisave Account. In the event the annual premium exceeds the maximum Medisave withdrawal amount allowed for a Medisave approved Integrated Shield Plan, or the balance in the designated Medisave Account is insufficient to pay the full annual premium, you can pay the top-up premium in excess of the maximum withdrawal limit via cash/ cheque/ credit card/ GIRO.

    For initial premium payment method, you can pay the top-up premium in excess of the maximum withdrawal limit via cash/ cheque/ credit card.

    For renewal premium payment method, you can pay the top up premium in excess of the maximum withdrawal limit via GIRO/ credit card. To apply for GIRO, you are required to complete our Application for Interbank GIRO form

  • Q: Will there be a pro-rated refund of premium if I choose to terminate the policy early?
  • A: There will be a pro-rated refund of the annual premium for the unexpired period of coverage.

  • Q: What happens if I am no longer a Singaporean?
  • A: Regardless of the status of your citizenship, your MyShield cover is automatically renewed by payment of the renewed premium before the Renewal Date.

    We will request for deduction of the premium from the designated CPF Medisave Account subject to the withdrawal limit set by CPF. Any shortfall in premium due to insufficient funds in the designated CPF Medisave Account must be paid before the Policy can be renewed.

    We may continue to provide coverage under MyShield as long as premium can be deducted from the payer’s Medisave Account.

    MediShield will be terminated once CPF Board has received your application to renounce your citizenship and withdraw all your CPF monies due to the renunciation of your citizenship. This will lead to an automatic termination of MyShield when we are unable to deduct premium from your then closed CPF Medisave Account.

Claims

  • Q: How do I file claims for Pre- or Post-Hospital treatment bills?
  • 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 the client by cheque.

  • Q: My company provides me with a private medical insurance cover. Can I still claim under MyShield or MediShield?
  • 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 For Medisave-Approved Integrated Plan (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 group insurer/ other medical insurance company where they will work out the relevant amount and reimburse Aviva for their share. Aviva will reinstate the benefit that was utilized based on the payment we received.

    Should you not make the claim in this order and the Group medical insurer has 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 submit 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 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, he or she 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.

  • Q: How is day surgery defined?
  • A: Day surgery is defined as surgical procedures done as an outpatient, i.e. with no hospital confinement required.

  • Q: I am admitted into a hospital overseas - how do I submit the claim?
  • A: MyShield covers for any Inpatient treatment due to a Medical Complaint outside Singapore. A Medical Complaint outside Singapore refers to a medical condition that requires immediate attention by Physician to identify or treat an injury or illness.

    You have to settle the bill with the hospital first, then submit the original bill together with a medical report and Aviva’s Claim Form (Medical Insurance Claim Form obtained from our website) to seek reimbursement from Aviva.

    However, any Pre & Post-Hospitalisation bills incurred are not covered, regardless of where the Pre and Post-hospitalisation treatment is received

  • Q: Is medical report required for all claims?
  • A: No. If medical report / additional document is required, Aviva will apply on your behalf and we will pay for the cost of medical report obtained.

eLogs

  • Q: Do I need to make any payment or deposit at the hospital when filing the claim under MyShield?
  • A: If you are eligible for Aviva’s Electronic Letter of Guarantee (eLOG) at participating hospitals, no upfront hospital payment or deposit is required up to $10,000. Otherwise, the hospitals may still request client to pay a deposit or full payment upon admission or discharge. Any amount payable under MyShield will be refunded by the hospital to you after Aviva has fully completed the claims assessment process. Further LOG exceeding $10,000 is subject to further approval by requesting through the hospital.

  • Q: What are the eligibility criteria for Aviva’s LOG?
  • 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 Insured Person is a foreigner, he/she will not be eligible for Aviva’s eLOG.

  • Q: How does the LOG benefit work?
  • A: In the event that the insured is unable to pay the upfront cash deposit or the Medisave account of the insured or family member is insufficient to cover the deposit required by the hospital, the eLOG 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 eLOG 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 insured is covered under MyShield only (without MyShield Plus), the annual deductible and coinsurance will not be included in the eLOG. Upon issuance of the eLOG, the insured is still required is still required to bear the deductible and coinsurance.

    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 insured to fully settle the hospitalization 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.

  • Q: Which are the participating Hospitals providing LOG?
  • A:

    Restructured Hospital Private Hospital
    Alexandra Hospital Fortis Colorectal 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
      Thomson Medical Centre
      Raffles Hospital

    This e LOG service is subject to these key terms and conditions:
    a) The hospital may require you to fully settle the bill despite eLOG being issued

    b) 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.

    c) Annual Deductible and / or Co-Insurance would not be included in the eLOG, unless the patient is also covered under MyShield Plus Option A and / or B or C

    d) eLOG is not a policy benefit and is not part of your MyShield policy document.

    e) 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 MyShield Plus 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.

    f) No employer or third party insurer has provided any Letter of Guarantee.

  • Q: Does Aviva provide LOG for non-participating hospitals?
  • A: No, we do not provide LOG for non-participating hospitals. Claims will be solely on reimbursement basis. However, the hospital can still help to e-file the claim for the customer.

For a complete set of FAQs, please see the following documents:

 

MyShield Plus

Product Description

  • Q: What is MyShield Plus?
  • A: MyShield Plus provides complementary protection to MyShield by specifically reducing the gap in coverage due to compulsory deductibles and co-insurance. It meets the needs of customers who wish to reduce the uncertainty of out-of-pocket expenses in their MyShield coverage.

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

Plan Features

  • Q: Why is there a need to increase the premium for MyShield Plus?
  • A: The recent changes to MediShield effective 1 March 2013, also impact the benefits and premiums of MyShield Plus as well.

    As in the case of MyShield, the revision to MyShield Plus premiums is also due to the latest claims experience. It is important to support the healthcare landscape in Singapore- which has been changing and developing due to reasons such as medical inflation and health issues which have led to an increase in number of claims and average payout per policyholder.

    For renewal premiums, it may also change depending on 2 factors:

    (i) the Insured Person’s age next birthday at renewal whether it crosses over to the next age band; and


    (ii) the plan option the Insured Person purchased.

  • Q: Who is eligible for Preferred Rate for Child(ren) under MyShield Plus Option C?
  • A: The Preferred Rate for Child(ren) under MyShield Plus Option C Plan 2 will be extended to the customer’s child:

    a) who is entitled to free coverage under MyShield; and

    b) whose both parents are insured under MyShield and MyShield Plus Plan 1 or 2 of Option A or Option C; and

    c) who is less than 20 years old at next birthday

  • Q: What are the benefits of MyShield Plus Option C?
  • A: MyShield Plus Option C shall cover the following benefits:

    a) All benefits under Option A according to the chosen plan excluding Free Coverage for Child(ren);

    b) Preferred Rate for Child(ren); and

    c) Deductible as incurred under MyShield

  • Q: What are the key differences between the current MyShield Plus and the new MyShield Plus?
  • A: There will be changes to the premium rates to MyShield Plus. Here are the key differences of benefits between the plans:

    No Current MyShield Plus New MyShield Plus
    1 Customers are required to inform us of any material changes relating to the occupation, business or sporting activity, in line with the “General Conditions” section, “6.” Material Changes” clause in the policy contract. This clause has been removed and customers no longer need to inform Aviva of any material changes once the policy is in force.
    2 For children under Free Child Cover, they are covered under 5 Critical Illnesses.

    The Free Child Cover ends upon the demise of any one of the parents.
    For children under Free Child Cover, they are covered for 30 Critical Illnesses.

    Please refer to Covered Benefits, Option A Benefits, 2. Critical Illness Benefit for details.

    In addition, upon the demise of any one of the parents before the cessation of the Free Child Cover, this benefit will also continue up to 20 age next birthday.
    3 (a) Hospital-related Benefits are not payable if MyShield is not payable.

    (b) Post-Hospital Follow-up TCM Treatment is currently worded as:
    • (i) Referrals must be made by the same attending Physician from Restructured Hospital.
    • (ii) TCM treatment must be carried out at the TCM clinic of a Restructured Hospital and administered by a TCM Practitioners registered under the TCM Practitioners Board.
    • (iii) The hospitalisation is a result of an Accident and the TCM treatment must be for the same injury or illness for which the Insured Person received Inpatient treatment due to the Accident, provided that such injury or illness is covered by the Policy.
    We will not pay the Post-Hospital Follow-up TCM Treatment Benefit following a day surgery, confinement in Community Hospital or if there is no hospital stay involved.
    (a) Hospital-related Benefits are payable if MyShield or Deductible Benefit of MyShield Plus is payable.

    Please refer to Covered Benefits, Option A Benefits, 3. Hospital-related Benefits for details.

    (b) The benefit is revised and the new clause is reworded to:
    • (i) Referrals must be made by the same attending Physician from the Hospital where an Insured Person was received as an Inpatient.
    • (ii) TCM treatment must be administered by a TCM Practitioner registered under the TCM Practitioners Board.
    • (iii) The hospitalisation is a result of an Accident and the TCM treatment must be for the same injury or illness for which the Insured Person received Inpatient treatment due to the Accident, provided that such injury or illness is covered by the Policy.
    We will not pay the Post-Hospital Follow-up TCM Treatment Benefit following a confinement in Community Hospital.

    TCM treatment shall include the cost of consultation, acupuncture, scrapping, cupping and tui na, but not the cost of medication.

    TCM Practitioner shall mean a person who is legally qualified to provide the prescribed practice of TCM and is registered and issued with a license to practice TCM by the TCM Practitioners Board of Singapore.
    4 No Accidental Coverage for Child Benefit New Accidental Coverage for Child Benefit under MyShield Plus Option A

    Please refer to Covered Benefits, Option A Benefits, 4. Accidental Coverage for Child Benefit for details.
    5 No Advanced Benefit New Advanced Benefit for MyShield under MyShield Plus Option A

    Accidental Inpatient Dental Coverage As charged within 31 days following accident
    Post Hospitalisation Follow-up Treatment As charged within 180 days after discharge
    Confinement in Community Hospital As charged up to 60 days per policy year
    Inpatient Congenital Anomalies As charged within 12 months Waiting Period

    Please refer to Covered Benefits, Option A Benefits, 6. Advanced Benefits under MyShield for details.
    6 Premium age bands for below 30 The premium age band below 30 will be split into two age bands, 1- 20, and 21 – 30 to be in line with MediShield.
    7 The grace period for payment of renewal premium is 30 days. The grace period for payment of renewal premium is 60 days.
    8 It is yearly renewable. It is guaranteed yearly renewable.
    9 Option A and Option B Option A and Option C

  • Q: For existing MyShield Plus customers, can they add the new Option A or Option C?
  • A:

    i. For existing Option A customers who wants Option A and deductible benefits, they can do so by upgrading their existing Option A to Option C.

    ii. For existing Option B customers who wants both Option A and deductible benefits, they can do so by upgrading their existing Option B to Option C.

    iii. For existing Option B customers who want to be covered only for Option A benefits, they can do so by cancelling the existing Option B and take up Option A.

    For customers who upgrade their existing Option A or Option B to Option C, any claim arising from a Pre-Existing Condition after the upgrade will be assessed under the terms and conditions of the plan prior to the upgrade.

    Please contact us at 6827 7788 or your financial advisor for assistance.

New Application

Premiums and Procedures

Claims

  • Q: How do I make a claim for one or more of the 30 Critical Illnesses?
  • A: Please notify Aviva Ltd of the Critical Illness of any Insured Person within 30 days of diagnosis or occurrence.

    You can obtain from Aviva’s corporate website for Claimant’s Statement and Physician Statement (for Stroke, Coronary Artery Bypass Surgery, Major Cancers and Kidney Failure).

  • Q: How do I claim for the Accidental Coverage for Insured Child?
  • A: Please notify Aviva Ltd of the Accident of any Insured Person within 30 days of occurrence.

    You can obtain the Personal Accident Claim Form from Aviva’s corporate website.

    The insured person has to submit original documentation together with a fully completed Claim Form and Medical Report signed by the treating Physician.

  • Q: How is Hospital Cash Benefit payable?
  • A: We shall pay the Insured Person the Hospital Cash Benefit as shown in the Benefit Schedule of this Policy in the event of hospitalisation provided that:

    a) the hospital admission is recommended by a Physician as Medically Necessary and

    b) the Insured Person stays in a hospital ward lower than what he is entitled to under his chosen plan and

    c) there is a claim payable under MyShield (other than MediShield) and/or MyShield Plus Option B. (other than MediShield)

    Please note that we will not pay the Hospital Cash Benefit in the event of a day surgery, confinement in Community Hospital, confinement in private Hospital or if there is no hospital stay involved.

  • Q: How will the payments under MyShield Plus claim be made?
  • A: For benefits that are filed together with MyShield, we will pay the relevant amount to the hospital / clinic or the insured.

    For Hospital Cash Benefit, Critical Illness and Accidental Coverage for Insured Child, we will make payments to the policyowner by cheque.

  • Q: How do I make a claim?
  • A:

    a) For Hospital & Related and Advanced Benefits Claims
    Please submit claim under MyShield.

    b) For co-insurance, deductible and hospital cash benefit
    Claim(s) will be automatically processed when the claim for MyShield is filed.

    c) For Critical Illness and Accidental Coverage for Insured Child Claims
    Please notify Aviva Ltd of the Critical Illness or Accident of any Insured Person within 30 days of diagnosis or occurrence. The insured person has to submit original documentation together with a fully completed Claim Form signed by the treating Physician.

For a complete set of FAQs, please see the following documents:

Contact Us

For more information about Aviva, please Contact Us.

  • Customer
    Service Hotline
    6827-7788

MyShield / MyShieldPlus Promotion