Pre-approval: A hassle-free step to ensure your claim is guaranteed

Worrying about your medical bills before admission? Take this step to ease your mind.



Everyone needs medical care at some point in time. In a rapidly changing world of healthcare, learning how to navigate around the subject will help you become a more educated healthcare consumer. When it comes to hospitalisation and inpatient treatments, one word that you will come across is pre-approval.

What is pre-approval?

Pre-approval, also known as pre-authorisation, allows you to find out whether your medical treatment is claimable before you proceed. For Aviva’s MyShield policyholders, pre-approval is available when you visit a specialist from our panel.

Traditionally, patients submit their claims after the treatment is received and hope that their medical bills get reimbursed. Pre-approval ensures that you can proceed with the treatment without worrying about whether your treatment will be covered.

Why should you get pre-approval?

With the pre-approval of your medical bill, you can have the assurance of your claim outcome and focus better on your journey to recovery. It’s a recommended procedure if you are seeking non-emergency specialist care under Aviva’s panel specialist. 

How does it work?

Pre-approval isn’t as complicated as it seems. For Aviva customers, we’ll get in touch with the panel specialist directly so it’s hassle-free for you. It’s recommended that the pre-approval request is made at least 5 working days (but no more than 6 weeks) before the planned admission/treatment. 


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.

Policyholders of Aviva may also call our 24-hour service hotline at 1800 8800 880 to request for pre-approval.

To find out more, please click on the button below. 

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