MyShield

Disclaimer: The list of participating hospitals is subject to change from time to time without prior notice.

Terms and Conditions apply.

For complete details, please refer to the Product Summary or speak to your preferred financial adviser representative.

*As charged refers to the eligible expenses incurred by the Life Assured which is subject to pro-ration, deductible, co-insurance, policy year limit, admission of ward class and other policy terms.

¹The policy year limit of S$2,000,000 is for MyShield Plan 1 and assumes that all treatment(s) in the policy year are made through a panel specialist in a private hospital with a certificate of pre-authorisation, or done at a restructured hospital or community hospital.

²Free coverage for newborn starts from the date a newborn child(ren) is 15 days old or the date of discharge from hospital after birth, whichever is later. The free coverage ends on the date the newborn is 6 months old or takes up a MediSave-approved Integrated Shield Plan, whichever is earlier. Both parents must be covered under MyShield Plan 1 or Plan 2 continously for at least 10 months from the cover start date of their respective policies on the newborn's date of birth. Pre-hospital treatment received before and post-hospital treatment received after the free coverage period are excluded.

³Discounted premium rates for child(ren) refers to the Family Discount for Child(ren) under Plan 2 coverage for up to 4 children, applicable till the child is 20 Age Next Birthday (ANB), if both parents are covered under MyShield Plan 1 or 2. Please refer to the Product Summary for more details. 

⁴Pre-hospital treatment benefit refers to the eligible expenses incurred up to 180 days before admission for Plan 1, Plan 2 and Plan 3 at restructured/community hospitals. Post-hospital treatment benefit refers to the eligible expenses incurred up to 365 days after discharge for Plan 1, Plan 2 and Plan 3 at restructured/community hospitals. For pre- and post-hospital treatment at private hospitals, you must have received a certificate of pre-authorisation via Aviva's panel of medical specialists for your hospital stay.

⁵We will pay for planned inpatient treatment or day surgery at any overseas hospital that has an approved working arrangement with a MediSave-accredited institution/referral centre in Singapore. Pre-hospital treatment received before and post-hospital treatment received after emergency overseas treatment are not covered. We will pay this benefit only if the residency of the Life Assured is Singapore on the date of the Life Assured’s admission.

⁶Please refer to the Policy Contract for details of major outpatient treatment coverage.

⁷Proton Beam Therapy is excluded from this benefit.

⁸Preventive treatment for cancer covers surgery to prevent further cancer if the a Life Assured already had treatment for cancer and we have paid for the treatment.

⁹Letter of Guarantee (LoG) covers the hospital deposit for up to S$50,000. LoG will be issued to hospitals for a Life Assured who is hospitalised as an inpatient at participating hospitals, provided that the estimated total bill amount exceeds the plan’s deductible amount (if applicable). Please refer to  the list above for the participating hospitals for LoG.

Anyone who pays for, or is insured under MyShield and 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 MyShield and MyHealthPlus, you will stop receiving APS. This applies even if you are not the person paying for the premium(s).  In addition, if you choose to be insured under MyShield and MyHealthPlus, the person paying for the premium(s) 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.