Spine surgery in NUH by selected doctor. Will I be covered under aviva plan 2(A ward)?

From experience, even if it is gov hospital, if you directly go to him for consultation, it is charged as private rates. i suggest first check with aviva agent/customer service what needs to be done. generally, i believe they will have a panel doctor for you to first go see and then get a letter of recommendation that the surgery is medically required. with that, there is black and white that aviva cannot dispute coverage. also, better reconfirm what is covered or not covered under your plan. ward, medication, pre and post care, therapy, scans, etc etc

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hope this helps. all the best.