Best Aviva Health Insurance Plans Singapore 2020

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Post-Hospitalisation Benefit

365 days

Post-Hospitalisation Benefit
Best Family Coverage & Covers COVID-19
Max. Annual Coverage Limit
S$2,000,000
Pre-Hospitalisation Benefit
180 days
Post-Hospitalisation Benefit
365 days
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Aviva MyShield coverage

MyShield is an integrated shield plan from Aviva. There are 4 different types of plans: Plan 1, Plan 2, Plan 3 and Standard. The plan provides multiple benefits such as for Daily Room and Board, Daily ICU and Surgical Procedures. MyShield is good for families with additional benefits suited for those with children. These benefits include emergency and planned overseas treatment and newborn benefits. There are also additional perks such as rider discounts for children.

MyShield plans

Hospital wardAnnual coverage limit
Plan 1Private hospital$1,259,000 (panel specialist), $1,000,000 (non-panel specialist)
Plan 2Class A$600,000
Plan 3Class B1$300,000
StandardClass B1$150,000

Why Aviva MyShield?

Family coverage

Aviva MyShield is an ideal choice for families with some of the unique benefits it provides. For those with young kids, there is a rider discount for children provided. There are also newborn benefits and emergency and planned overseas treatment benefits. There are some benefits which older folks will find useful, such extra critical illness benefit and a full coverage for inpatient psychiatric treatment.

Cost-friendly riders

Despite the premiums of MyShield are on the higher side but the cost of riders are low such that the total cost of getting a plan and rider is below the industry’s average premium. Hence, MyShield is a viable option for those looking to increase their coverage with riders at a relatively cheaper cost.

Aviva Integrated Shield Plan riders

Aviva provides two types of riders for each of their Aviva MyShield plans (Plan 1, 2 and 3). Consumers can choose between Option A-II or Option C-II to add on to their integrated shield plan. The riders are beneficial for parents as Option A-II provides free integrated shield cover for up to four children and with Option C-II, parents can get preferred rates for their kids.

MyHealthPlus Option A-II

Option A-II covers half of your co-insurance and extends your post-hospital benefit to 365 days from the original 180 days. It also increases the additional policy year limit to $1,250,000 and $2,500,000 per lifetime at overseas hospitals on Prudential's panel. Other benefits include a daily cash payout of $125 for overnight stays, up to 60 days. Option A-II also provides free cover for children which is ideal for parents and a ward downgrade benefit when you go to restructured or public hospitals.

MyHealthPlus Option C-II

Option C-II covers half of your co-insurance and extends your post-hospital benefit from original 180 days to 365 days. It also increases the additional policy year limit to $1,250,000 and $2,500,000 per lifetime at overseas hospitals on Prudential's panel. Other benefits include a daily cash payout of $125 for overnight stays, up to 60 days. Option C-II also provides preferred rates for kids which is a plus point for those with children and a deductible benefit.

Aviva health insurance claim process

For selected medical providers

When you use one of Aviva’s selected medical providers, Aviva offers a Letter of Guaranteed. This will allow you to not have to pay high upfront costs during your hospital admission. Upon your discharge, your claim will be settled by Aviva directly with the hospital you have been admitted to.

For non-selected medical providers

In the event that you go to a hospital that is not under Aviva’s list of selected medical providers, you will have to pay for the deposit. You are required to E-file your claim to Aviva along with any additional forms if necessary. You can get the additional forms required from Aviva’s website.

Frequently asked questions

Is the Aviva MyShield payable by medisave?

Aviva MyShield is payable by MediSave. This is the case for all other integrated shield plans.

Does the premiums of the Aviva MyShield increase with age?

Yes the premiums will increase with age. This is for all integrated shield plans.

Can I get multiple Aviva integrated shield plans to increase my coverage?

You are only allowed to have one integrated shield plan regardless of which private insurer you are covered under.

Is the quoted premium an additional amount I have to pay besides my MediShield Life plan?

When you pay the premiums for your integrated shield plan, you are paying for both your MediShield Life and the private insurer coverage.