Aviva Singapore

Aviva is a London-based British multinational insurance company formed in 2000 by merger of Norwich Union and CGU with a palindrome name. Its history, however, dates back to the London-based Hand in Hand Fire and Life Insurance Society from 1969. Today, Aviva (LON: AV) is listed on the London Stock Exchange (LON: LSE) and is part of the FTSE 100 Index (INDEXFTSE: UKX).

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Why choose Aviva?

Aviva MyShield is Aviva’s flagship and MediSaveIntegrated Shield Plan (IP) in Singapore, meant to supplement Singaporeans and Permanent Residents’ (PRs) government-provided MediShield Life health insurance plan. While the MediShield Life covers you for basic ward classes in public hospitals up to a certain cash limit, IPs typically allow you to be warded into a wider range of ward classes up to higher cash limits.
If you hold an Aviva MyShield Plan 1 which grants you access to private hospitals’ wards and treatments, you can browse through Aviva’s list of over 200 preferred panel clinics and doctors to ensure that your treatment, surgical, or hospitalisation costs can be pre-approved for claims, or can be claimed.

Aviva Health Insurance Plans

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Aviva MyShield Tiers

Plan 1Any standard ward of a private hospitalS$1,000,000 or S$2,000,000 (for Aviva panel doctors, clinics, hospitals)
Plan 2Any standard ward of a restructured hospitalS$1,000,000
Plan 3Any 4-bedded Class B1 or standard ward of a restructured hospitalS$500,000

What Is Aviva MyShield?

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 offers coverage of your daily room, board, treatment fees, meals, prescriptions, doctor’ fees, examinations, lab tests, MediShield-listed surgeries, major organ transplant, stem cell transplant, inpatient congenital anomalies, outpatient kidney dialysis, chemotherapy, radiotherapy, immunotherapy, inpatient psychiatric treatments, and more.

Pre and Post Hospitalisation

Aviva MyShield also includes pre-hospitalisation treatments such as accident and emergency (A&E) treatments within 90 days prior to admission, or 180 days prior with Aviva panel doctors, and post-hospitalisation treatments up to 180 days after your discharge, or within 365 days of discharge if you sought treatment with with Aviva panel doctors.

Restructured Hospitals

As of January 2020, there are 16 public hospitals in Singapore – set to increase to 19 by 2020. Restructured hospitals, however, only include Alexandra Hospital, Changi General Hospital, Khoo Teck Puat Hospital, National University Hospital, Singapore General Hospital, Tan Tock Seng Hospital, Ng Teng Fong General Hospital, and Seng Kang General Hospital.

Who Is Aviva MyShield Best For?

Aviva MyShield Integrated Shield Plan (IP) is an ideal choice for families given some of the unique benefits it provides. If you have toddlers and children, the add-on Aviva MyHealthPlus riders offer discounts for your children’s insurance premiums. If you are a female insured, you will also enjoy coverage for pregnancy benefits, newborn congenital abnormalities, and other benefits including emergency overseas treatments.
Although the annual premiums of the Aviva MyShield Integrated Shield Plan (IP) veers on the costly end of the spectrum (S$232 for 21 to 30-year-olds, S$409 for 31 to 40-year-olds, S$714 for 41 to 45-year-olds, S$924 for 46 to 50-year-olds, and so on for Plan 1), premiums for Aviva’s MyHealthPlus rider sits on the affordable end with premiums ranging from S$84 annual for ages 1 to 20, S$136 for ages 21 to 30, S$155 for ages 31 to 40, S$164 for ages 41 to 45, and so on.

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Aviva MyShield 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 MyShield Integrated Shield Plan Summary

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.

All Aviva Health Insurance Plans

Aviva MyShield

A whole life Integrated Shield Plan (IP) to supplement your MediShield Life plan, extending coverage from class A, B1 wards in public hospitals upwards to standard wards in private hospitals. Other benefits include a S$2 million annual limit, pre- and post- hospitalisation coverage, overseas inpatient treatments, outpatient dialysis, chemotherapy, radiotherapy, and more.

Aviva MyHealth Plus

A rider for your Aviva MyShield IP to cover 50% of your co-insurance, capped at S$3,000 per year, offering increased policy limit up to S$2.5 million per lifetime, and a lump-sum payout of S$10k per lifetime.

Aviva My Early Critical Illness Plan II

A termed critical illness plan (from 10 years to 99 years old) offering 100% lump-sum payout for 132 conditions for critical illnesses in various stages, 20% payout per life for benign and borderline malignant tumours, 20% payout per life for ICU, and S$5,000 payout in the event of death.

Aviva My MultiPay Critical Illness Plan IV

A critical illness plan offering one 100% payout of sum assured (pre-determined by you and your agent) for early or intermediate stages, one 300% payout excluding any claims for severe stages for 132 conditions of critical illnesses in Aviva’s “CI Group” list, and two 150% payout for 6 recurring severe stage critical illnesses, and S$5,000 payout in the event of death.

Aviva MyCoreCI Plan III

A termed (15 years or until 85 years old) critical illness plan offering lump-sum payout (amount that you have chosen to be insured for) in the event of diagnosis of 14 critical illnesses, and 20% lump-sum payout for 4 diabetes-related conditions.

Aviva MyMaternity Plan

An add-on plan for current Aviva insurance policy holders, offering coverage for up to 4 foetuses, IVF, 10 pregnancy complications, 23 congenital illness for newborn, post-birth conditions such as Hand, Foot, Mouth Disease (HFMD), anaemia, stem cell transplant, development delay, and death.

What types of insurance does Aviva offer?

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.

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Types of Insurance offered by Aviva


Life Insurance

Aviva Singapore carries 4 types of life insurance plans, namely the My Protector series which allows you to customise your plan to your needs, and offers you and your family a lump-sum payout in the event you are diagnosed with a terminal illness or death. Other life insurance options include MyWholeLifePlan, MyLifeChoice, and MyMaternityPlan.


Health Insurance

Also known as Aviva Singapore’s flagship health insurance plan, the Aviva MyShield Integrated Shield Plan supplements your MediShield Life and comes with an accompanying optional add-on MyHealthPlus rider. The Aviva MyShield plan covers your medical treatment and hospitalisation bills incurred from private or public hospitals (depending on your plan), and includes pre- and post-hospital treatments.


Personal Accident

Aviva’s MyAccident Guard offers you daily cash payouts of S$200 to S$500 for a year in the event of transport accidents, and fires at home or in public, including a 2X coverage for accidental deaths and dismemberment – amounting from S$500,000 to S$2,000,000. Aviva’s other Personal Accident insurance plan covers accidental death, disablement, medical, TCM, chiropractic expenses, free child coverage, and 10% off for married couples.


Savings and Retirement

You will find 3 types of savings plan under Aviva, namely the Aviva MyRetirementChoice II which offers you the option to customise your plan, guaranteed capital return at the end of your accumulation period, and monthly payouts in the event of disability. Other plans include Aviva MyRetirement, and MyIncomePlus.



If your profession involves manual work, machinery operation or if you are a sole breadwinner, you might want to consider getting a disability insurance plan. There are 3 types of disability insurance plans with Aviva – Aviva IdealIncome, MyCare or MyCare Plus, and MyLongTermCare or MyLongTermCare Plus.


Critical Illness

Aviva offers 3 types of critical illness plans including the My Early Critical Illness Plan II which offers you coverage for 132 conditions, lump-sum payment in the event of diagnosis, and additional benefits such as benign and malignant tumours, and ICU coverage. Other critical illness plans include the My MultiPay Critical Illness Plan IV, and MyCoreCI Plan II.


Home Insurance

If you are a landlord, tenant, or a homeowner, you may want to consider if you need home insurance to cover your property and belongings against situations such as fires, thefts, burglary, accidents, and loss of any important documents. Aviva offers 3 home insurance plans with incremental coverage – the Home Lite, Home, and Home Plus which all offers 24/7 emergency hotline, coverage for household contents, any resultant renovation and fixtures, and alternative accommodation costs.



Instead of conventional investment insurance plans, Aviva offers the dollarDEX – a no commission fee online trading platform for unit trusts and mutual funds. That aside, there is the Aviva Navigator – an online investment portal for you to invest via cash in SGD or USD, CPF Ordinary or Special accounts, Supplementary Retirement Scheme (SRS), and Regular Savings Plans.


Travel Insurance

If you are travelling, Aviva offers individual, group, and family coverage in single trip plans and annual unlimited trip plans spanning medical coverage, trip interruption, cancellations, loss of baggage, frequent flyer points, medical expenses, and any unauthorised use of your credit card. Plans come in 3 types with incremental coverage – Travel Lite, Travel Plus, and Travel Prestige.


Car Insurance

Aviva offers 3 car insurance plans, namely the Lite, Standard, and Prestige which offers you coverage for repairs, brand new car replacement, medical expenses, damage to third party’s property, and immediate emergency eCall services. In the event your car was damaged by others’ fault, Aviva plans will retain your No Claims Discount (NCD) at no excess cost.



If you are a small to medium enterprise (SME) business owner, or the human resource officer of a multinational corporation (MNC) looking to increase the welfare and wellbeing of your employee and business, Aviva offers business insurance plans spanning coverage for individual health and accidents, your business property, public liability, workplace injury, disability, commercial vehicle insurance, business travel insurance, hospitalisation, and surgeries.



Aviva offers 3 group schemes – MINDEF and MHA Group Insurance provided by both MINDEF and the Ministry of Home Affairs (MHA), including term life, personal accident, critical illness, disability, and outpatient medical coverage. The Public Officers Group Insurance Scheme was designed for public servants and their families, offering coverage for term life, including lump-sum payouts, and free coverage for your children.

Aviva Integrated Shield Plan Riders

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.

What is Co-Insurance?

Is that the same as co-payment or deductibles? Co-payments, or known as copay at times, is a predetermined flat fee that you pay when you visit one of your insurance company’s panel doctors and clinics. A deductible is an initial amount that you choose to pay your insurance company at the start of every policy year to “share” your medical costs with them. Take note that a plan with lower premiums may have higher deductibles – and vice versa. Finally, the co-insurance kicks in after you have paid your deductible. Co-insurance is basically you splitting your medical bill with your insurance company. As of April 2019, all policyholders have to pay at least 5% in co-insurance.

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Aviva MyHealthPlus Option A-II

Aviva MyHealthPlus Option A-II covers half of your co-insurance from 10% to 5% (capped at S$3,000 per year), offers S$10,000 payout per lifetime in the event of critical illness diagnosis, S$2.5 million in overseas hospital treatments for 6 illnesses at pre-authorised hospitals per policy year, free coverage for your children, and 50% coverage of annual ward downgrade deductibles.

Aviva MyHealthPlus Option C-II

Similar to the previous MyHealthPlus Option A-II, the MyHealthPlus Option C-II lowers your Aviva MyShield IP mandatory co-insurance from 10% to 5%, with the payable amount capped at S$3,000 per policy year. Other benefits include a S$10,000 payout upon a critical illness diagnosis, up to S$2.5 million in overseas medical treatment claims at pre-authorised overseas hospitals, preferred premium rates for your children, and coverage for your Aviva MyShield IP annual deductible (although you will need to pay the rider’s annual deductible first).

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How to apply for your Health Insurance plan

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Applying for a Health Insurance plan through MoneySmart

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Once you have spoken to our insurance specialists, considered your options, and planned your finances, you are ready to apply for your health insurance plan online through our portal.

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Aviva Health Insurance Claims

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.

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How Do Aviva Health Insurance Claims Work?

Aviva Panel Clinics

When you seek treatment at one of Aviva’s selected medical providers, there will be a Letter of Guarantee (eLOG) which alleviates any hefty upfront bills you may have to pay during your hospital admission. Upon your discharge, Aviva will settle your claim (and bill) directly with the hospital you have been admitted to.

Non-Aviva Panel Clinics

In the event that you find yourself in a hospital that is not included in Aviva’s list of selected medical providers, you will have to fork out cash to pay for the deposit. You are then required to e-file your claim online via Aviva’s website and upload any additional supporting documents and forms where necessary. You will find all necessary forms available on Aviva’s website.

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Frequently Asked Questions

Is the Aviva MyShield payable by MediSave?

Like all Integrated Shield Plans (IPs) in Singapore, your Aviva MyShield Integrated Shield Plan is payable by MediSave. Your MediSave funds will first be allocated to pay the premiums of your MediShield Life plan. Any additional funds will then be used to pay a portion of your Integrated Shield Plan's premiums. If your MediSave additional funds remain insufficient thereafter, you will be required to pay the rest in cash.

Does the premiums of the Aviva MyShield increase with age?

Yes, as with all health insurance plans, your premiums will increase with age due to the increased probability of health conditions and medical services expenses' continual inflation. For Aviva MyShield Plan 1, premiums start at S$232 for 21 to 30-year-olds, S$409 for 31 to 40-year-olds, S$714 for 41 to 45-year-olds, S$924 for 46 to 50-year-olds, and so on.

Can I get multiple Aviva Integrated Shield Plans to increase my coverage?

No, in Singapore, you are only allowed to have 1 Integrated Shield Plan at any given point in time to supplement your MediShield Life plan, regardless of which insurance company you are insured by.

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

It depends – some insurers present their Integrated Shield Plan premiums with MediShield Life premiums included to give you an overview of the price. Some insurance companies, however, split up both the premiums of MediShield Life and their Integrated Shield Plans' premiums into separate columns. Do check the fine print of the premiums table to check if MediShield Life's premiums have been included. For instance, Aviva's MyShield Integrated Shield Plan's premiums start from S$232 for 21 to 30-year-olds, S$409 for 31 to 40-year-olds, S$714 for 41 to 45-year-olds, S$924 for 46 to 50-year-olds, and so on. The sum that you see includes both your MediShield Life premiums and your Aviva MyShield premiums – which will be paid by your MediSave in part, and cash if your MediSave balance is insufficient.

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