Debunked: Myths around Integrated Shield Plan coverage

Let’s demystify common misconceptions about Integrated Shield Plan coverage.

Anyone who’s financially savvy understands the importance of health insurance, considering how much medical expenses can set you back financially when you get hospitalised or undergo a major medical procedure. Integrated Shield Plans are one of the most common type of health coverage in Singapore as it helps to offload a substantial amount of the hospitalisation costs.

While most Integrated Shield Plans provide comprehensive health coverage for hospitalisation expenses and selected pre- and post-hospitalisation treatments, there are some misconceptions about the type of treatments and procedures that are covered. This article aims to clarify some of these common misconceptions so that you can make well-informed decisions about health care and be financially prepared.   

  • It covers outpatient diagnostic scans and scopes

Integrated Shield Plans are designed to cover large hospitalisation and surgical expenses. Therefore, many are unsure about claims regarding outpatient diagnostic procedures, i.e., CT scans, MRI scans, X-rays and annual health screenings. In general, Aviva’s policy does not cover such outpatient diagnostic procedures unless it leads to an inpatient treatment or hospitalisation or are part of pre- and post-hospitalisation treatments.

The good news is diagnostic endoscopies which are medically necessary are covered even if they don’t lead to inpatient treatment or hospitalisation, as they’re considered day surgeries. Other policy terms may apply to this coverage depending on your IP provider. 

  • You can claim for all pregnancy-related claims

You may wonder if pregnancy and delivery-related medical expenses are covered your Aviva Integrated Shield Plan. The answer is yes if any serious complications arise during pregnancy and delivery. For instance, Aviva’s MyShield covers inpatient treatments for congenital anomalies and certain serious complications such as ectopic pregnancy or involuntary miscarriage aft­er 13 weeks of pregnancy.

Regular delivery, i.e., procedures without complications as well as pre- and post-natal care are not covered under your shield plan. You may use your MediSave account to pay for pregnancy-related expenses such as consultations, ultrasounds and delivery under Medisave Maternity Package. Visit the CPF website for more details.

  • It’s for hospital bills and does not provide lump sum payout

Many of us know that health insurance is only for hospitalisation bills. But do you know that Aviva's MyHealthPlusrider offers a lump sum payout of S$10,000 per lifetime upon diagnosis of selected critical illnesses? Additionally, there is a lump sum payout of up to S$3,000 per lifetime for kidney dialysis if the policyholder visits one of Aviva’s panel private dialysis centres, a restructured hospital or a subsidised dialysis centres. 

Note: For policyholders of MyShield Plan 2, 3 and Standard Plan, please consider the coverage of your MyShield plan type before consulting with the private specialists on our panel. MyShield Plan 2, 3 and Standard Plan are not designed to cover medical expenses with private specialists, including those from our panel, hence your hospitalisation and surgical/treatment costs may not be claimable in full.

Having adequate health coverage is one of the most important steps to your financial wellbeing. If you have any questions on your Aviva’s MyShield Plan, speak to your preferred financial advisor or you can call us at 6927 7788.  


Receive monthly updates

Subscribe to Money Banter to receive useful tips and guides on insurance and offers on products and services.

Thank you for your submission. 

By clicking “Submit”, you consent to Aviva and Aviva related companies contacting you to provide you with information concerning Aviva and Aviva related companies’ products and services and special offers which may be of interest to you. For details of Aviva’s Data Protection Policy, please refer to To withdraw your consent at any time, please call Aviva at +65 6827 7988. 

Important Information

Money Banter (the "Portal") is for general information only and does not take into account the specific investment objectives, financial situation, health condition and needs of any particular person. The contents of this Portal are intended merely for educational purposes and should not be construed as the giving of advice or the making of a recommendation. Nothing contained in this Portal shall constitute a distribution, an offer to sell or the solicitation of an offer to buy. We recommend that you discuss any specific matters with your financial adviser representative or legal adviser before making any decision. You are responsible for your own medical care, treatment and oversight, and any health-related content on this Portal, including, text, treatments, dosages, outcomes, charts, profiles, graphics, images, messages and forum postings are strictly information to promote general understanding of certain health topics only, do not constitute the providing of medical advice, and should not be relied upon as a substitute for professional medical advice, diagnosis or treatment. Always seek advice from a physician or other qualified health care provider regarding your medical condition or treatment and before undertaking a new health care regimen. This Portal may include information sourced from third parties and links to third party websites. We are not responsible for the accuracy or completeness of, and do not recommend or endorse such information or third party websites nor recommend or endorse any specific tests, physicians, products, procedures, opinions or other information. While we have taken reasonable care to ensure that the information on this Portal has been obtained from reliable sources and is correct at time of publishing, information may become outdated and opinions may change. Except to the extent prohibited by any law, we are not liable for any loss (including direct, indirect and consequential loss, loss of profits, loss or corruption of data or economic loss of any kind) that may result from the access or use of or reliance on the information on this Portal.  | Terms of Use | Privacy Policy

Protected up to specified limits by SDIC. This advertisement has not been reviewed by the Monetary Authority of Singapore.