Policy Servicing

Premium Payments

It is now easier than ever to service your policy with the following payment options:

AXS payments

You may make your premium payment via AXS e-StationAXS m-Station (mobile app) and AXS Station (kiosk).

For Life (regular premium)/Investment-Link/Health policy(ies) payment, please select:

  • Pay Bills -> Insurance -> Aviva
  • Select "Individual Life/Health Insurance"
  • Select "Policy No."
  • Key in Policy No., Premium Amount and Contact No. as per the screen
  • Follow the steps on the screen to make payment accordingly. 

Extra information:

  • AXS will issue receipt for all payments made at AXS Stations.
  • Please note the maximum amount payable via Direct Debit Payment mode is subject to the daily limit you have set with your bank.
  • Please note that it takes 2 working days to update Successful payment.

Interbank GIRO

For DBS/POSB bank accountholders

Click here to apply for GIRO through your bank accounts via 2 DBS/POSB channels:

  • Internet Banking
  • Debit/ATM Card and PIN

After logging in, go to Pay (Bills and Card) > Add GIRO Arrangement > Select Billing Organisation

  • For individual life policy
    Select Aviva Ltd_Life 1 and enter your Policy Number in the DDA Reference number field
  • For individual health policy
    Select Aviva IND HEALTH INS and enter your Policy Number in the DDA Reference number field
  • For MINDEF/MHA policy
    Select Aviva IND HEALTH INS and Enter "0686xxxxxxxx", where xxxxxxxx denotes your 8-digit Client Reference Number in the DDA Reference number field
  • For Public Officers Group Insurance Scheme (POGIS) policy
    Select Aviva IND HEALTH INS and Enter "PGxxxxxxxx", where xxxxxxxx denotes your 8-digit Client Reference Number in the DDA Reference number field
  • For ExxonMobil policy
    Select Aviva IND HEALTH INS and Enter "EXxxxxxxxx", where xxxxxxxx denotes your 8-digit Client Reference Number in the DDA Reference number field

For other bank account holders

Complete and return the original Application for Interbank GIRO form to Aviva Ltd at:

4 Shenton Way #01-01 SGX Centre 2 Singapore 068807

Download Interbank GIRO for Individual Life/Health policies

Download Interbank GIRO for MINDEF, MHA and POGIS policies

Download Interbank GIRO for ExxonMobil policy


Note: With effect from 1 July 2021, Aviva will no longer accept GIRO applications for ElderShield policies. This is to facilitate an easier transition to government administration where full ElderShield premiums must be deducted from a single payer’s MediSave account only.

Internet Banking

DBS Bill Payment (for DBS/POSB Internet Banking users)

  • For individual life policy:
    Select Aviva Ltd-Life Insurance and enter your Policy Number in the reference field.
  • For individual health policy:
    Select Aviva Ltd-Group Life and Medical and enter your Policy Number in the reference field.
  • For MINDEF/MHA/POGIS policy:
    Select Aviva Ltd-Group Life and Medical and enter 8-digit Client Reference Number in the reference field.

For other local banks, please enter Aviva Ltd's UOB bank account no. (401-321-727-5).

Cash or NETS

Visit us at our Customer service centre.


  • Mail us your cheque along with your Premium Notice.
  • Cheques should be crossed to "Aviva Ltd". Remember to write your policy number(s), client reference number and contact number on the back of the cheque.
  • Do not send post-dated cheques.

Telegraphic transfer

  • Any charge imposed by the remitting bank and receiving bank when submitting funds to Aviva Ltd must be borne by the applicants. It is necessary to pay an amount in excess of the premium due to cover these charges. 
  • Please remit the amount to the currency denominated bank account below as per your contract currency and indicate the following details in the Telegraphic Transfer application:
    • Policyholder's full name (as indicated in the application form)
    • Policyholder's Identification number/Passport number
    • Policy number
  • Customer to remit the amount as per contract currency to the currency denominated bank account of Aviva Ltd as shown below:
Contract Currency Bank Bank Account no. SWIFT Code
AUD United Overseas Bank Limited 451-907-257-7 UOVBSGSG
EUR United Overseas Bank Limited 451-907-259-3 UOVBSGSG
GBP United Overseas Bank Limited 451-907-261-5 UOVBSGSG
HKD United Overseas Bank Limited 451-907-263-1 UOVBSGSG
SGD United Overseas Bank Limited 401-321-727-5 UOVBSGSG
USD United Overseas Bank Limited 451-907-252-6 UOVBSGSG


Will Premium Notices be sent to policyholders?

When are Premium Notices sent out?

Will a reminder be sent if the premium remains unpaid?

How long is the payment grace period?

How do I redeem my APL?

Must I redeem all my outstanding APL?

What will happen if I do not pay my APL and the interest accumulated?

How do I know that my Policy has lapsed?

Can I reinstate my Policy after the deadline on the Lapse Letter?

Automatic Premium Loan (APL) / Non-Forfeiture Loan (NFL)

When a premium is not paid up by the end of the allowable grace period, an Automatic Premium Loan (APL) will be applied to pay the overdue premium if the Policy has acquired sufficient Cash Value.

An APL payment means you are taking a loan against the Policy's Cash Value. This loan allows the Policy to stay inforce, ensuring your coverage and benefits continue. The APL is charged at an interest rate of 6.5%, compounded at the Policy's anniversary.

As long as the premiums remain unpaid, Automatic Premium Loan will continue to apply for overdue premiums. In order to retain both your policy coverage and its accumulated Cash Value, you should redeem your APL (and any accumulated interest) as soon as possible. If the Policy Cash Value is ever exhausted your Policy will lapse and no longer be inforce.

To redeem your APL:

  • Contact us for an APL loan redemption quotation
  • Issue payment to Aviva Ltd

Reviving A Lapsed Policy

It is important that you remember to make your premium payments on time. If the premium is not paid up by the stated grace period, your Policy will lapse unless your Policy has acquired sufficient Cash Value for an Automatic Premium Loan. A letter will be sent to notify you that the Policy has lapsed.

To return the Policy to inforce status (known as Reinstatement of the Policy):

One hassle-free way is to pay your premium through Interbank Giro. You can safely know that your installments will be automatically deducted from your bank account when the premium is due. To get started, print a copy of the Interbank Giro Application Form.

Attaching Riders

Riders represent additional benefits that can be added or attached to your existing Policy to enhance the coverage, with the payment of additional premiums. Riders offer flexibility of choice to suit the different needs of individuals. Use these option benefits to customise coverage to meet your specific needs.

Which riders can be added to your basic Policy plan varies according to the existing plan type and its term. Hence, your plan type and term determine which riders that can be added.

Riders can only be attached to a plan on its Policy anniversary. The rider premium is based on:

  • The type, sum assured, and term of rider being added
  • Your occupation and age at next birthday, based on the Policy anniversary date, on which the new coverage commences
  • All riders must be assessed and approved by our underwriters

Contact us for assistance learning which type of riders can be added for your policy and to receive a rider quotation. This should be done at least 1 month before the policy anniversary.

Assigning a Policy

The transfer of all rights under an insurance Policy from one party (the assignor) to another (the assignee) is called assignment. You are required to notify us of these changes, although Aviva is not responsible for determining the validity of an assignment.

The most common types of assignment are:

  • Absolute Assignment (Deed of Assignment), where all rights under the Policy are transferred from the assignor to the assignee without any conditions
  • Collateral Assignment, where all rights under the Policy are transferred to the assignee, usually a bank, as collateral or security for a loan granted to the assignor

You can make an Absolute Assignment by:

  • Arranging for both the assignor and assignee to visit us personally, with their NRICs, at our Customer Service Centre
  • All parties must be over 18 years of age, of sound mind, and cannot be an undischarged bankrupt

You can make a Collateral Assignment by:

  • Contacting us, or contacting the bank or organisation that will become the assignor of the policy for security or collateral
  • Some banks and other institutions have their own collateral assignment procedures

Converting to Paid-Up Policy

Once the Policy has acquired Cash Value, you can choose to stop payment of future premiums by converting the Policy to paid-up status. Conversion to reduced paid-up assurance means that you can continue to remain insured for the same policy term but at a reduced sum assured amount.

Contact us for assistance if you wish to determine your Policy's paid up value.

Updating Personal Contact Information

To help us serve you better, please notify us of any changes in your contact information, including your address, email address, and phone numbers. This ensures that we can always reach you in a timely manner.

You can log on to MyAviva to update your address, phone number and email address. 

Other Changes to Your Policy

To request other changes to your policy, including Reduction in Sum Assured or Increase in Basic Premium, please contact us, or download a Request for Changes for Individual Life Policies Form and return it by mail.

Policy Monies

Your policy acquires Cash Value over time. You can receive a loan for up to a maximum 90%* of your Policy Cash Value, minus any indebtedness. You will be charged an interest rate of 6.5% on the loan, compounded at policy anniversary. The Policy Loan and its interest can be paid by installment.

Contact us to apply for a Policy Loan.

* Please refer to your Policy Contract provision for the maximum percentage of Your Cash Value that you may apply for Policy loan.

When a Policy Matures

A maturity amount is payable once your Endowment Policy reaches maturity. We will notify you as your Policy maturity date approaches. After this date, the Policy is considered to have matured and is no longer in force.

Surrendering a Policy

A Policy that has acquired Cash Value can be surrendered in exchange for its Cash Surrender Value upon cancellation of the Policy. You should consider carefully the cancellation and surrender of your policy, especially the loss of protection for you and your family.

Replacing your coverage, immediately or at a later date, will require a higher premium due to the older entry age. A new Policy's Cash Value will also build very slowly over the years. To continue to enjoy your insurance coverage, you may wish to take a Policy Loan instead.


What are the minimum and maximum Policy Loan amounts I can request?

How quickly can I receive my policy loan amount?

How will I know when my Policy will mature?

When will I be notified of the maturity of my Policy?

What is my Policy's projected return at maturity?

When can I surrender my Policy?

How do I know the amount of Cash Value acquired by my Policy?

What documents will I need to submit?

Can I surrender part of my Policy? If yes, how much can I surrender?

When can I receive the Policy proceeds?