MyShield & MyHealth Plus FAQ

MyShield

What is MyShield?

Does MediShield Life duplicate the coverage I have under MyShield and/or MyHealthPlus?

There is no duplicate coverage.

MyShield is made up of two parts – a basic MediShield Life portion run by the Central Provident Fund (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 private hospitals, restructured hospitals, class B2 or C ward.
Hospital/ward type	The coverage is pegged to class B2 or C ward in public hospitals.	The coverage is subject to proration factor depending on the selected plan type.
Pre- & post-hospitalisation treatment	No cover	• Provides cover for Plan 1, 2 or 3 • No cover for Standard Plan
Coverage	Capped at various claim limits	• As-charged basis for most benefits for Plan 1, 2 or 3 • Capped at various claim limits for Standard Plan
Option to cover deductible and/or co-insurance	No	• Yes, with MyHealthPlus attached to MyShield Plan 1, 2 or 3 • Not available for Standard Plan
Allows choice of doctor	No	Yes

Will I receive premium subsidies even though I am insured under MyShield? Do I have to downgrade from MyShield plan to MediShield Life to receive the premium subsidies?

You will still be able to receive the applicable MediShield Life subsidies (refer to https://www.moh.gov.sg/medishield-life/medishield-life-premiums-and-subsidies/ for more information on the 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 applied only on the MediShield Life component of the premiums.

However, please note that anyone who pays for, or is insured under Aviva’s MyShield/MyHealthPlus is not eligible for Additional Premium Support (APS) from the Government*.

If you are currently receiving APS to pay for your MediShield Life and/or CareShield Life premiums, and you choose to be insured under Aviva’s MyShield / MyHealthPlus, you will stop receiving APS. This applies even if you are not the person paying for Aviva’s MyShield / MyHealthPlus.

In addition, if you choose to be insured under Aviva’s MyShield / MyHealthPlus, the person paying for Aviva’s MyShield / MyHealthPlus will stop receiving APS, if he or she is currently receiving APS.

* APS is for families who need assistance with MediShield Life and/or CareShield Life premiums, even after receiving premium subsidies and making use of MediSave to pay for these premiums.

Can I add in riders to cover deductible and co-insurance?

Can I add in riders to cover deductible and co-insurance for MyShield Standard Plan?

Am I eligible to buy MyShield?

For MyShield Plan 1, 2 and 3

Any Singapore citizen or PR may apply as proposer (payer)/assured provided the proposer (payer)/assured is a Singapore citizen or PR and has a Medisave account.

For dependant(s), they need not be a Singapore citizen or PR but must be residing in Singapore to enjoy this coverage. Dependants are defined to be the proposer (payer)’s legal spouse, parent(s), sibling(s) or grandparent(s) and/or biological or legally adopted child(ren).

Note: For Plan 3, only Singapore citizens or PRs may apply.

	Minimum Entry Age (ANB)	Maximum Entry Age (ANB)	Expiry Age
Proposer (Payer)/Assured	17	N.A.¹	N.A.
Dependant/Life Assured	15 days old or the date of discharge from hospital after birth, whichever is later	75	N.A. as the product offers lifetime cover

¹If the proposer (payer)/assured is also the life assured, the maximum entry age of 75 (ANB) will apply.

For MyShield Standard Plan

Any Singapore citizen or PR may apply as proposer (payer)/assured provided the proposer (payer)/assured is a Singapore citizen or PR and has a Medisave account but the life assured must be a Singapore citizen or PR.

For dependant(s), they must be a Singapore citizen or PR to be eligible for coverage.

	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	N.A.	N.A., as the product offers lifetime cover

What happens to my IP from another private insurer if I sign up for MyShield?

Your existing IP will be automatically cancelled upon commencement of MyShield. The pro-rated premiums (if any) for the terminated plan will be refunded to your Medisave account.

In order to commence MyShield, the premium has to be successfully deducted from the Medisave account. In the event, the annual premium exceeds the Additional Withdrawal Limits (“AWLs”) for Singapore citizens and PRs or Medisave Withdrawal Limits for foreigners, for a Medisave approved IP, or the balance in the Medisave Account is insufficient to pay the full annual premium, you can pay the balance of the annual premium via cash/cheque/GIRO.

MyHealthPlus

What is MyHealthPlus?

What are the differences between Option A-II and Option C-II?

Benefit Parameters	Option A-II	Option C-II
Ward Downgrade Benefit	Yes	No
Deductible Benefit	No	Yes*
Free Cover for Child(ren)	Yes	No
Preferred Rate for Child(ren)	No	No

*MyHealthPlus annual deductible applies.

Am I eligible to buy MyHealthPlus?

To be eligible for coverage, the life assured must be the life assured of a MyShield policy and meet the following criteria.

	Minimum Entry Age (ANB)	Maximum Entry Age (ANB)	Expiary 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	N.A.^#

Minimum Entry Age (ANB)

Maximum Entry

Age (ANB)

Expiary Age

Assured/Proposer (Payer)

N.A.^{^}

N.A.

Life assured/Dependant*

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

N.A.^#

^ 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), grandparent(s), sibling(s) and/or biological or legally adopted child(ren).

# To be eligible for the Critical Illness Benefit under this policy, the life assured must be aged between 1 year old and 65 years old at age next birthday.

Downloads

Please refer to the complete FAQ here

Protection

Changes to MyHealthPlus Annual Deductible and Co-insurance Benefits FAQ

PDF (326.5 KB)

FAQ - MyHealthPlus

PDF (151.1 KB)

FAQ - MyShield including MyShield Standard Plan

PDF (244.9 KB)