What you need to know about Aviva’s panel specialists and pre-approval process

What is an Aviva panel specialist?

An Aviva panel specialist is a private medical specialist specially selected by Aviva Ltd for MyShield and MyHealthPlus policyholders. There are over 200 specialists on the panel, which is carefully curated based on the specialists’ experience and reputation for delivering quality healthcare services.

Why you should choose Aviva’s panel specialists

200+ medical specialists across various disciplines

The panel is curated based on the specialists’ experience and reputation for providing quality healthcare services.

Priority access

With expedited appointments, you can visit a medical specialist within 3 working days.

Preferred rates

Flash your e-member card on the ClaimConnect mobile app to enjoy preferred outpatient consultation rates exclusively for MyShield policyholders.

• First consultation fee: S$120 (before GST)
• Follow-up consultation fee: S$70 (before GST)



How Aviva’s pre-approval process helps you

Guaranteed coverage for hospitalisation

By getting a certificate of pre-authorisation for your hospitalisation claim when you visit an Aviva panel specialist, you’ll have pre-approval for your claim up to the policy limit. Enjoy peace of mind and focus on your recovery, not medical bills.

Cashless admission

Enjoy cashless admission if ever you require hospitalisation at participating hospitals and clinics. No cash payment is needed upon your discharge as we’ll settle the approved medical fees, excluding applicable deductible and/or co-insurance according to your policy terms.

High coverage and benefits

Having a certificate of pre-authorisation increases your policy coverage:

• S$2,000,000 annual claim limit
• 180 days pre-hospitalisation treatment benefit
• 365 days post-hospitalisation treatment benefit


Benefits of choosing a panel specialist1 with MyShield Plan 1 and MyHealthPlus Option C-II

  Panel specialist in a private hospital  Non-panel specialist in a private hospital 
  (with certificate of pre-authorisation)  (without certificate of pre-authorisation)   

Policy year limit
(for MyShield Plan 1)

S$2,000,000 S$1,000,000 S$1,000,000

Pre-hospitalisation
treatment benefit2

As charged
up to 180 days
As charged
up to 90 days
As charged
up to 90 days
Post-hospitalisation
treatment benefit2
As charged
up to 365 days
As charged
up to 180 days
As charged
up to 180 days

MyHealthPlus
annual deductible3

S$1,000 for
inpatient treatment
S$2,000 for
inpatient treatment
S$2,000 for
inpatient treatment
S$500 for
day surgery
S$1,000 for
day surgery
S$1,000 for
day surgery

Maximum
co-insurance
(payable by policyholder)

S$3,000 per
policy year
Not applicable Not applicable

Important notes: 

1. The comparison chart is for MyShield Plan 1 and MyHealthPlus Option C-II customers. MyShield Plan 2 and MyShield Plan 3 are not designed to cover expenses incurred with private medical specialists, including those on Aviva’s panel. Hence, the cost of any hospitalisation, surgery or treatment received at these specialist centres under these plans may be pro-rated.

2. The duration of coverage for the pre- and post-hospitalisation benefit listed in the chart are for MyShield Plan 1 new customers who purchased the plan from 1 January 2020, and existing MyShield Plan 1 customers whose policies are renewed from 1 January 2020.

3. The annual deductibles for MyHealthPlus listed in the chart are for MyHealthPlus customers who purchased the rider from 1 January 2020. MyHealthPlus riders purchased before 1 January 2020 are subject to different annual deductible amounts. Please refer to the Product Summary for details.

Need to see a medical specialist?

To enjoy getting priority appointments, preferred rates and cashless admissions, simply browse our panel specialist listing or download Aviva ClaimConnect app from the Apple App Store or Google Play store

Alternatively, speak to your financial adviser representative or 

give us a call to book an appointment

1800 8800 880

Available 24 hours daily

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