MyHealthPlus Option A-II and Option C-II

Available from 1 January 2019

In March 2018, Ministry of Health (MOH) announced that all Integrated Shield Plan (IP) riders for new policyholders must incorporate co-payment features by 1 April 2019.

This is in line with the Health Insurance Task Force's recommendations to help address over-consumption of medical services and cost containment measures in light of rising healthcare costs so as to enable continued affordability of healthcare services in Singapore.

MyHealthPlus new rider

MyHealthPlus with two options: Option A-II and Option C-II with co-payment (co-insurance and deductibles) is available from 1 January 2019.

Premium rates for the new rider is approximately 20% lower than the existing rider revised premium rates.

Existing MyHealthPlus customers

have an option to switch to the new rider if you wish to do so, from 1 January 2019 onwards.

New customers

can purchase this rider to your MyShield policy from 1 January 2019 onwards.

Our new health essentials

Add our new rider to your MyShield plan for more healthcare benefits and worry less about out-of-pocket expenses.

Extended post-hospitalisation coverage

Extended post-hospital treatment1 of up to 365 days.

Global medical treatment

An additional policy limit of S$1,250,000 per year and S$2,500,000 per lifetime - for selected illnesses2. This is in addition to your MyShield policy year limit.

Co-payment

Co-insurance and annual deductibles apply3

Two healthcare options

You'll be entitled to the same hospital/ward type that you have selected for MyShield. For MyHealthPlus new rider, you can choose one medical coverage option that you'll need: Option A-II; or Option C-II.

Option A-II

Consider adding Option A-II as a rider to MyShield.

  • Covers 50% of the co-insurance amount incurred under MyShield
    Maximum co-insurance payable by policyholder is S$3,000 per policy year4.
  • Extended Post-hospital treatment1
    As charged up to 365 days after discharge via Aviva's Panel specialists in a private hospital with certificate of pre-authorisation or pre-arranged appointment or restructured hospital / community hospital.
  • Global treatment for six covered illnesses and medical procedures:
    • Cancer treatment, coronary artery by-pass surgery, heart valve replacement or repair, inter-cranial and specific spinal cord surgery, live-donor organ transplant and bone marrow transplant
    • Additional Policy year limit
      S$1,250,000 per policy year and S$2,500,000 per lifetime for treatment at overseas hospitals under our panel, with certificate of pre-authorisation. This additional limit is on top of the MyShield policy year limit.
    • Hospitalisation and medical expenses covered5
    • Daily cash payout
      S$125 for daily expenses incurred abroad per overnight stay at hospital for up to 60 days.
    • Travel and accommodation expenses covered
      For you and your companion.
    • MyShield annual deductible and MyShield co-insurance apply6
    • Applicable only for planned / Non-emergency treatments
  • Covers ambulance fees or transport fares to the hospital7
  • Free cover for children8
  • Ward downgrade benefit9
    For treatment at Restructured hospitals, we cover 50% of MyShield annual deductible after policyholder pays MyHealthPlus annual deductible.
    • Not applicable for day surgery, admission as an inpatient in a community hospital, admission as an inpatient in a private hospital, or if there is no hospital stay involved.

Download benefits and premium rates here.

Option C-II

Consider adding Option C-II as a rider to MyShield.

  • Covers 50% of the co-insurance amount incurred under MyShield
    Maximum co-insurance payable by policyholder is S$3,000 per policy year4.
  • Extended Post-hospital treatment1
    As charged up to 365 days after discharge via Aviva's Panel specialists in a private hospital with certificate of pre-authorisation or pre-arranged appointment or restructured hospital / community hospital.
  • Global treatment for six covered illnesses and medical procedures:
    • Cancer treatment, coronary artery by-pass surgery, heart valve replacement or repair, inter-cranial and specific spinal cord surgery, live-donor organ transplant and bone marrow transplant
    • Additional Policy year limit
      S$1,250,000 per policy year and S$2,500,000 per lifetime for treatment at overseas hospitals under our panel, with certificate of pre-authorisation. This additional limit is on top of the MyShield policy year limit.
    • Hospitalisation and medical expenses covered5
    • Daily cash payout
      S$125 for daily expenses incurred abroad per overnight stay at hospital for up to 60 days.
    • Travel and accommodation expenses covered
      For you and your companion.
    • MyShield annual deductible and MyShield co-insurance apply6
    • Applicable only for planned / Non-emergency treatments
  • Covers ambulance fees or transport fares to the hospital7
  • Preferred rate for child(ren)10
  • Deductible benefit
    Covers MyShield annual deductible after policyholder pays MyHealthPlus annual deductible.

Download benefits and premium rates here.

Footnotes

For MyShield / MyHealthPlus customers

Get priority access to over 200 medical specialists, secure an appointment within three working days & benefit more from Aviva Health Privileges. Terms and Conditions apply.

Find out more

Our health cover is just a few steps away

Take care of your health today by making an appointment with us. You may also speak to your preferred financial adviser to find out more about how you can switch to our new rider.

The policy is underwritten by Aviva Ltd.

This 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 copy of the Product Summary may be obtained from Aviva Ltd and the participating distributor's offices. You should read the Product Summary before deciding whether to purchase the policy. You may wish to seek advice from a financial adviser representative, before making a commitment to purchase the product. In the event that you choose not to seek advice from a financial adviser representative, 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.

Information last updated Dec 2018.

This advertisement has not been reviewed by the Monetary Authority of Singapore.

This policy is 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 Aviva Ltd or visit the Life Insurance Association Singapore or SDIC websites (www.lia.org.sg or www.sdic.org.sg).