An easy way to have the basics covered
A life insurance plan that you can buy yourself
Affordable life insurance
S$400,000 coverage for as little as $0.621 per day
You decide how long to be covered for
5 years, 20 years, or up to age 65
Guaranteed Renewable Option
Get a 5-year policy term and renew your plan all the way up to age 852
Let's start with the basics
Just a simple plan to start or add to your portfolio
|Key benefits||Coverage / Options|
||Death, Terminal Illness and Total and Permanent Disability
|Entry age (age next birthday)
||Age 19-65 (depending on the coverage period)
|Country of residence
||For residents of Singapore
||from S$50,000 to S$400,000|
|Death and Terminal Illness (TI) coverage period||Choose any of the following: 5 years with guaranteed renewable term, 20 years, or from policy start date to age 65
|Total and Permanent Disability (TPD) coverage period
||Same duration as Death and Terminal Illness coverage period or ends after age 65, whichever is earlier
|Accumulate Cash Value
|Premium Payment Period
||Same as the policy coverage period
|Premium Payment Options
||Choose to pay either monthly, quarterly, half-yearly or yearly|
Level up your cover
Need enhanced coverage? Consider this add-on when you buy
DIRECT- Aviva Critical Illness Cover (CI)
Get a lump sum payout when you are diagnosed with any of the 30 critical illnesses3
Got any questions?
What are the Direct Purchase Insurance (DPI) plans offered by Aviva?
Who is eligible to apply for the DPI plans?
Do I need to submit any medical reports or undergo any medical check-ups?
How do I know if my application has been successfully completed?
Who can I approach for assistance for online application?
How can I make a claim?
Read before you buy
Need more information?
Here are the steps to apply.
Ready to buy protection?
Wherever age is mentioned, it's calculated based on age next birthday.
1Illustration is based on an individual standard life application on DIRECT– Aviva Term Life – a male of age 35 next birthday, non-smoker who chooses a 5-year renewable term policy with annual premium payment mode.
2Maximum renewal age is 80 age next birthday (ANB) and maximum expiry age is 85 ANB. Guaranteed Renewable Option (GRO) is only applicable to the 5-year renewable term policy. Upon renewal, the Life Assured is insured for the same Sum Assured as before the renewal date and for the same policy term. Premiums will be adjusted based on the age of the Life Assured at renewal and a notice will be mailed to notify you of the new premium payable. GRO is also applicable to DIRECT– Aviva Critical Illness Cover, if attached to the basic policy at inception. Please refer to the Product Summary and Policy Contract for more details.
3DIRECT– Aviva Critical Illness Cover rider does not cover pre-existing medical conditions and claims made in relation to selected critical illnesses within the 90-day waiting period (from policy start date). In the case of a claim for Angioplasty & Other Invasive Treatment for Coronary Artery, 10% of the sum assured for this rider, subject to a maximum of S$25,000, is payable. Premium rate for the rider is non-guaranteed and may be adjusted by us based on future claims experience. Please refer to the Product Summary for more details.
The policies are underwritten by Aviva Ltd.
The information on this page is for general information only and does not have regard to the specific investment objectives, financial situation and the particular needs of any specific person. Product Summaries for direct purchase insurance may be obtained from Aviva Ltd and www.aviva.com.sg.
As direct purchase insurance are sold without financial advice, you should make sure you have carefully assessed your insurance needs as well as whether you can afford the premiums for the duration of the policy. You should also read the Product Summary, Policy Illustration, Direct Purchase Insurance Factsheet and all related information on www.aviva.com.sg to understand the features of the product and assess whether the product you have chosen is appropriate to your financial needs and insurance objectives.
As this product has no savings or investment feature, there is no cash value if the policy ends or if the policy is terminated prematurely. Buying health insurance products that are not suitable for you may impact your ability to finance your future healthcare needs. This is not a contract of insurance. Full details of the standard terms and conditions of the plans can be found in the relevant policy contract.
Information last updated Sept 2018.
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).