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Aviva Singapore offers a total of 13 types of insurance for individuals, 3 for governmental groups, and plans for SMEs, MNCs, ranging from personal health, savings, retirement, to insurance for commercial vehicles, and business travel. Below, you will find an overview of each type of insurance. When choosing your first health insurance, you will want to look at Integrated Shield Plans (IPs) to complement your MediShield Life health insurance provided by the Ministry of Health.
Aviva MyShield is an Integrated Shield Plan (IP) meant to supplement your MediShield Life health insurance plan provided by the Ministry of Health. There are 3 tiers to the Aviva MyShield IP, namely Plan 1 which offers hospitalisation and medical treatment coverage in any standard ward in private hospitals, Plan 2 for standard wards in restructured hospitals, and Plan 3 for 4-bedded B1 wards in restructured hospitals.
|Aviva MyShield Integrated Plan Tiers||Hospital Wards||Annual Coverage Limit|
|Plan 1||Any standard ward of a private hospital||S$1,000,000 or S$2,000,000 (for Aviva panel doctors, clinics, hospitals)|
|Plan 2||Any standard ward of a restructured hospital||S$1,000,000|
|Plan 3||Any 4-bedded Class B1 or standard ward of a restructured hospital||S$500,000|
If you are holding an Aviva MyShield Integrated Shield Plan (IP), Aviva provides 2 rider plans that you can add on to your IP. IP riders usually help you to lower your co-inusurance payment (the compulsory cash bill you have to pay upon billing at every clinic or hospital) from 10% to 5%. Some plans may even extend the medical coverage you receive, throw in free coverage for your children, or claimable scope or mammogram tests. While you can use MediSave to pay for both your MediShield Life and IP premiums, do note that rider premiums have to be paid in cash.
If you hold an Aviva MyShield Integrated Shield Plan (IP), Aviva has a list of preferred doctors, specialists, clinics, and hospitals. Visiting these preferred panel clinics and doctors may allow you to maximise your claimable bills.
|Aviva MyShield Coverage||Exclusions|
|Aviva Selected Panel Clinics and Doctors||The first exclusion you need to note is your choice of doctor, clinic, or hospital – to maximise your claimable medical bills and expenses, you should try to always visit an Aviva panel doctor, clinic, private, or public hospital (plans 2 and 3 are not eligible for private hospitals).|
|"As Charged" Full Coverage||While your policy may state that your hospital ward expenses – whether private or public hospital wards – will be covered fully by your policy, aka "As Charged", do note that you may be subsequently billed for pro-ration, deductibles, and co-insurance.|
|Post-Hospitalisation Treatments||While the policy covers you for related treatments up to 365 days from the day of your discharge, do note that only treatments sought at restructured or community hospitals are eligible for plans 1, 2, and 3. If you intend to seek treatment at a private hospital, you will need a pre-authorisation certificate.|
|Overseas Treatment||If you plan to seek inpatient treatment or if you need emergency treatment in an overseas hospital, you will need to ensure that your choice of overseas hospital has an approved working relationship with a MediSave-accredited institution in Singapore.|
|Major Outpatient Treatments||All Aviva MyShield plans 1, 2, and 3, covers major outpatient treatments fully (except co-insurance and pro-ration), such as outpatient kidney dialysis, erythropoietin, chemotherapy, radiotherapy, brachytherapy, immunotherapy, stereotactic radiotherapy, and major organ transplant's immunosuppressant drugs.|
|Critical Illness Extra Benefit||While all MyShield plans 1, 2, and 3 include a special benefit covering critical illnesses between S$50,000 to S$150,000 per policy year, do note that only 5 critical illnesses are eligible – namely heart attacks, major cancer (doesn't include Proton Beam Therapy, and Cell, Tissue, and Gene Therapy), stroke, end stage lung disease, and end stage liver disease. You will still have to pay pro-ration, deductibles, and co-insurance.|
|Preventive Treatment for Cancer||All Aviva MyShield plans 1, 2, and 3 include an "As Charged" full coverage of preventive treatments for cancer. Do note that you will only be eligible if you are going for surgery to prevent further cancer but you have already undergone treatment previously for the same cancer – which Aviva MyShield has previously settled for you.|
|Free Coverage for Newborns||If you are holding an Aviva MyShield Plan 1, you will be covered S$50,000 per policy year as part of your free newborn benefit. Do note that this benefit only begins from the day of your newborn's hospital discharge (or from 15-days-old, whichever is later), and ends when your newborn is 6-months-old or has his or her own Integrated Shield Plan. Both parents must also have Aviva MyShield plans 1 or 2 (for at least 10 months).|
|Discounted Premiums for Children||If you have Aviva MyShield plans 1 or 2, your policy offers you a family discount for your children's premiums. Do note that your child's MediShield Life premiums are not covered and you have to continue to pay via MediSave or cash. Only your child's Integrated Shield Plan's portion of the premium will be waived until he or she turns age 20 (age next birthday). Finally, to qualify for this discount, both parents have to hold either Aviva MyShield plans 1 or 2.|
Aviva’s MyShield Integrated Shield Plan is best for couples who plan to have children (maximum four), both get the same Integrated Shield Plan with coverage for private hospitals or class B1 wards in public hospitals, and can sustainably afford higher annual premiums averaging around S$232 for 21 to 30-year-olds, S$409 for 31 to 40-year-olds, and S$714 for 41 to 45-year-olds, and so on. You will greatly benefit from the premium discount for your children – at least until they reach 20 years of age. If that’s you, you should ideally have enough disposable income to purchase accompanying riders, critical illness, personal accident, and other life insurance plans to bridge any gaps in your Aviva MyShield plan.