For Individuals

Life & Health - Health

In the hustle and bustle of everyday life it can be hard to give your well being the attention it deserves. At Aviva we are here to help you with our health insurance products. The cost of managing your healthcare needs can rise when aspects of your life change, such as when you have children, or when you're planning your golden years. Aviva’s health insurance products can help you control these healthcare costs. So whether it’s a routine medical examination or serious hospitalisation, our health insurance plans can help keep you protected.

MyShield
How to Apply

MyShield responds to your future needs by introducing new and improved features. As the only Medisave-approved plan in Singapore that gives free medical cover for your children1 (up to 20 years old at age next birthday), MyShield provides comprehensive protection with great cost savings for your entire family’s healthcare needs.

Unlike other hospital plans, you do not have to worry about your past medical history with MyShield. This hardworking Shield plan comes with a flexible option so that you can have the opportunity to obtain coverage for pre-existing conditions5.

To give you and your family greater peace of mind, the enhanced benefits of MyShield now come at no additional cost. These are:

  • Interim Coverage6 while we process your policy7
  • Letter of Guarantee (LOG)8 now includes Private Hospitals9
  • Increased Annual Claim Limit for Plan 1 and 2
  • Smaller Age-Band for Children on Plan 1 and Plan 2, which means lower11 premiums
     

Enjoy Affordable cover without the financial strain with MyShield

There’s no need to strain your cash reserves. Simply put your Medisave funds to work and enjoy comprehensive cover for yourself and your family with MyShield. Currently, your Medisave Account can be used to pay for premiums up to S$800 per year (for insured persons below 81 years old at age next birthday) and S$1,150 (for insured persons 81 years old and above at age next birthday). Our premiums start as low as S$89.80 per annum, which means less than 30 cents per day14.

  • Free coverage for children1
    Designed to provide comprehensive medical coverage for your family, MyShield is the only integrated Shield plan in Singapore to provide free medical coverage for your children1 (up to 20 years old at age next birthday), as long as both you and your  spouse are covered under MyShield’s Plan 1 or 2. So you enjoy cost savings while your family enjoys comprehensive healthcare protection.
     
  • Inflation-proof medical care
    MyShield provides medical coverage “as-charged12”, a form of protection from inflation in medical costs.
     
  • Opportunity to cover past medical concerns with Guaranteed issuance13
    First to offer this feature in the market, MyShield provides you with the opportunity to obtain coverage for pre-existing conditions through a simplified and hassle-free application process that requires no medical declaration13.
     
  • Guaranteed Renewability & Unlimited Lifetime Cover
    No matter which plan you choose, My Shield is guaranteed renewable regardless of your future health conditions, and provides lifetime cover with no lifetime claim limits.
     

MyShield Plus – Get the extra coverage your need for as little as 10 cents15a day

Now you can enjoy greater flexibility by choosing MyShield Plus Option A to cover your co-insurance and enjoy other benefits, Option B to cover deductible only, or both options to provide medical coverage from the first dollar. Like MyShield, your children will enjoy free coverage16 when both you and your spouse are covered under MyShield Plus Option A Plan 1 or 2.

 



1. Free coverage for children (up to a maximum of 4 children) is provided based on Plan 2 of MyShield, subject to underwriting, up to 20 years of ANB.
5. Provided pre-existing condition is not one of the permanently excluded health conditions under the policy and the insured person has not (for a continuous period of five years since the policy inception or date of reinstatement, whichever is later): experienced symptoms, sought advice or tests from a physician, specialist, or alternative medicine provider (including checkups for pre-existing condition), or required or received treatment or medication
6. Interim cover is only for those with no basic MediShield or only basic MediShield coverage. Both deductible and co-insurance apply regardless of whether applicant has applied for MyShield Plus.  Pro-ration factor would also apply if the insured person has been admitted to a higher ward than what has been applied in the application for MyShield or admitted to a Singapore Private Hospital.  .
7. The interim cover will terminate earlier upon the occurrence of certain events.  Please see the Interim Cover Terms and Conditions (Accidental Medical Reimbursement) for the details.
8. Letter of Guarantee will be issued to hospitals for insured persons who are hospitalised as an inpatient at participating Restructured Hospitals and Private hospitals, provided that the estimated total bill amount exceeds the plan deductible.
9. Private hospitals include Parkway East Hospital, Mount Elizabeth Hospital and Gleneagles Hospital.
11. Based on comparison between previous MyShield Plan 2 (1 to 30 ANB) and new MyShield Plan 2 (1 to 18 ANB)
12. Co-insurance and/or deductible apply.
13. Based on Moratorium Underwriting and provided applicant is not of occupation class 4 and has not been declined / deferred for other insurance applications.
14. Based on MyShield Plan 3 for age 1  to 18 ANB.
15. Based on lowest premium of S$27.05 per year.
16. Free coverage for children (up to a maximum of 4 children) is provided based on Plan 2 with Option A cover of MyShield Plus, subject to underwriting, up to 20 years of age next birthday.


MyShield FAQs

 

This is published for general information only and does not have regard to the specific investment objectives, financial situation and the particular needs of any specific person. A product summary in relation to MyShield/MyShield Plus is available and may be obtained from Aviva Ltd and the participating distributors' offices. You should read the product summary before deciding whether to purchase the policy.
You may wish to seek advice from a financial adviser before making a commitment to purchase the product. In the event that you choose not to seek advice from a financial adviser, you should consider whether the product in question is suitable for you. Buying health insurance products that are not suitable for you may impact your ability to finance your future healthcare needs. This is not a contract of insurance. Full details of the standard terms and conditions of this plan can be found in the relevant policy contract. Information correct at time of publishing.

 

IdealMedical

 How to Apply
Ideal protection for your way of life

IdealMedical is a complete medical plan designed to suit your lifestyle. With a choice of 4 plans and lifetime coverage of up to S$3 million, you can customise the level of protection you need, for the life you want.

What’s more, built-in inflation-proof features mean that you will never have to worry about additional out-of-pocket expenses that are typical of other medical plans.
 

Comprehensive and transportable protection

Among the few medical plans that cater to all nationalities who reside or work in the Asean Plus2 countries, the IdealMedical Supreme and SupremePlus plans provide you with coverage that follows you around the region.

With high annual coverage of up to S$1 million, annual outpatient cover of up to S$10,000 per person and very few sub-limits, you can choose your preferred level of medical treatments within the Asean Plus2 region, for peace of mind wherever you go.


Complete and affordable protection

IdealMedical Classic and ClassicPlus plans provide the same level of inflation-proof protection with few sub-limits, for discerning customers who want enhanced protection at added value.

For Classic Plans, you will receive an additional cash benefit of S$150 per day if you choose to be warded in Class B2 or below in any Singapore Restructured Hospital1.


1 Refers to the corporatised Singapore government hospitals and medical centres which include, but not limited to Singapore General Hospital, Changi General Hospital, KK Women’s & Children’s Hospital, Alexandra Hospital,
Khoo Teck Puat Hospital, Tan Tock Seng Hospital, National Heart Centre, National Cancer Centre, Singapore National Eye Centre and National Skin Centre.
2 Refers to Singapore, Malaysia, Indonesia, Philippines, Thailand, Brunei, China (excluding Hong Kong and Macau), Korea, India, Vietnam, Myanmar, Cambodia and Laos.

 
The information on this page is only an overview of the benefits of IdealMedical, and not a contract of insurance. The detailed terms and conditions of this plan are provided in the relevant policy contract
 
 

 

Global Health
Go Global Now

At Aviva, we understand the peace of mind global healthcare cover can bring to the mobile professional. Our convenient Global Health Plan offers premium coverage including emergency and elective treatment with the specialists you choose. We also offer complimentary health screenings to ensure you're in tiptop condition for the demands of expat life. So when illness strikes, the only thing you need to worry about is getting better. Wherever you are in the world.

How the Plan Works
  • Comprehensive pre-to-post hospital coverage of up to US$2 million a year.
  • No compulsory deductible, co-insurance, or lifetime limits.
  • Complimentary health screenings after 2 years of continuous coverage.
  • Elective treatments with the doctors and specialists you trust.
  • Emergency treatment wherever you are in the world.
  • Chronic care coverage for illnesses such as diabetes or kidney conditions that develop after your coverage inception.
  • Alternative medicine including acupuncture, homeopathy and chiropractic treatments.
  • Access to our 24-hour Emergency Assistance Centre offering:
    • Emergency medical advice and assistance
    • Emergency evacuation and repatriation
    • International payment guarantees
    • International travel assistance.

Invest in peace of mind today

Healthcare options
  • Add USA cover to your plan (emergency treatment in the USA is included whether or not you choose this option).
  • Pay premiums in one of four currencies (US$, £, € or S$).
  • Enjoy a family discount of 5% when three of more people are insured under the same policy.
  • Save money on your premium by increasing the size of your deductible.
Annual Deductible Premium Discount
US$500 20%
US$1,000 25%
US$2,000 30%

Sign up for your personalised plan

The information on this page is only an overview of the benefits of Global Health, and not a contract of insurance. The detailed terms and conditions of this plan are provided in the relevant policy contract.
A product summary in relation to Global Health is available and may be obtained from Aviva Ltd and the participating distributors' offices. You should read the product summary before deciding whether to purchase the policy. Buying health insurance products that are not suitable for you may impact your ability to finance your future healthcare needs. The above is for your information and does not have any regard to your specific investment objectives, financial situation and any of your particular needs. You may wish to seek advice from a financial adviser before making a commitment to purchase the product. In the event that you choose not to seek advice from a financial adviser, you should consider whether the product in question is suitable for you. Information is correct at time of publishing.

Contact Us

For more information about Aviva, please Contact Us.


You have the option of purchasing your Aviva policy or plan through your Financial Advisor or directly from us.