AVIVA MyShield Health Insurance Reviews and Comparison - Seedly
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AVIVA MyShield Health Insurance

  • Overview
  • Reviews (6)
  • Questions (0)
  • More Details

Plans (3)

Slide 1 of 3
  • AVIVA MyShield Plan 1

    $2,000,000
    LIMIT PER POLICY YEAR
    180 / 365 days
    PRE & POST HOSPITAL
    As Charged
    OUTPATIENT BENEFITS
    Private Hospital
    WARD ENTITLEMENT
  • MyShield Plan 2

    $1,000,000
    LIMIT PER POLICY YEAR
    180 / 365 days
    PRE & POST HOSPITAL
    As Charged
    OUTPATIENT BENEFITS
    A Class and Below
    WARD ENTITLEMENT
  • MyShield Plan 3

    $500,000
    LIMIT PER POLICY YEAR
    180 / 365 days
    PRE & POST HOSPITAL
    As Charged
    OUTPATIENT BENEFITS
    B Class and Below
    WARD ENTITLEMENT

    AVIVA MyShield Plan 1

    $2,000,000
    LIMIT PER POLICY YEAR
    180 / 365 days
    PRE & POST HOSPITAL
    As Charged
    OUTPATIENT BENEFITS
    Private Hospital
    WARD ENTITLEMENT

Details

AVIVA MyShield Review 2020

MyShield is AVIVA's Integrated Shield Plan, and hospitalisation plan, that supplements your MediLife Shield. Here are some features of AVIVA MyShield:

  • AVIVA MyShield has 3 tiers: MyShield Plan 3, Plan 2 and Plan 1
    (apart from the Standard Plan)
  • Policy Yearly Limit: S$500,000, S$1,000,000 and S$2,000,000
  • Ward entitlement
    - MyShield Plan 3: to standard B1 ward from restructured hospitals,
    - MyShield Plan 2: any standard ward of a restructured hospital, up to
    - MyShield Plan 1: any standard wards in private hospitals
  • Lifetime coverage
  • Long Pre- and post- hospitalisation coverage of up to 180 days and 365 days respectively
  • MyHealthPlus as a rider add-on to help reduce your eventual out-of-pocket expenses
  • Free cover of up to S$50,000 for newborns up to 6 months old
  • Covers treatment received in the Accident and Emergency department within 24 hours prior to your hospital admission.
  • The S$2 million policy yearly limit for Plan 1 is the highest limit offered in Singapore
Read More about AVIVA MyShield Health Insurance
Reviews (6)

4.0

6 Reviews

  • 5
    2
  • 4
    2
  • 3
    2
  • 2
    0
  • 1
    0

Read Review About...

Most HelpfulMost RecentLow to HighHigh to Low
  • Updated on 22 Jul 2020

    Purchased

    MyShield Plan 2

    My whole family bought with free insurance for the kids till 20 years old in the event of hospitalisation. Riders are attached for hospital income daily too.
    0 comments
    0
    Post
  • Updated on 22 Jul 2020

    Purchased

    MyShield Plan 2

    Agent is from manulife. He is responsible and active. He will do his best to help if I have any qurey.
    0 comments
    0
    Post
  • Updated on 15 Jul 2020

    Purchased

    MyShield Plan 2

    [Insurance Coverage] Not the most comprehensive But if couple buy, include free coverage for child till age 20. Not the cheapest plan around.
    4 comments
    0

    2 more comments

    Jay Hou
    Jay Hou

    30 Jul 2020

    Not comprehensive , n not the cheapest, sadly u bought it right?
    Shin

    30 Jul 2020

    Yeah. If you factor the free child cover, still not too bad a deal lah. Good if you have many children.
    Post
  • Updated on 24 Jun 2020

    Purchased

    MyShield Plan 2

    [Agent Responsiveness] So far so good no claim is made. Agent is rather helpful when I what's app him. [Policy Changes] Bought this in 2016 before they changed to 95% co-payment. They should keep the premium low in order for low income family to be fordable. However this kind of insurance is keep on increasing due to age.
    0 comments
    0
    Post
  • Updated on 02 Feb 2020
    [Claims Process] I have been with Aviva MyShield and My Health for more than 5 years. Claims were usually quite prompt, receive claims within 2 weeks. Hassle free hospitalization because of LOG. Thank you Aviva
    0 comments
    0
    Post
Questions (0)
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AVIVA MyShield Health Insurance at a Glance

  • MyShield Plan 3, 2 and 1 ranges from the cheapest to the most premium.
  • All 3 plans cover the same areas but with different levels of coverage.
  • Inpatient and Day Surgery Benefits as charged
  • Planned and Emergency Overseas Medical Treatment
  • Pre-Hospitalisation Benefits up to 180 days
  • Post-Hospitalisation Benefits for Up to 365 days
  • Outpatient Hospital Benefits (including chemotherapy, other cancer treatments, and kidney dialysis)
  • Both Planned and Emergency Overseas Treatment
  • Additionally, MyShield provides additional inpatient benefits covering 5 critical illnesses - heart attack, some major cancers, end-stage lung disease and end-stage liver disease.
  • Covers treatment received in the Accident and Emergency department within 24 hours prior to your hospital admission.

What does AVIVA MyShield Health Insurance Cover?

Benefit Parameters

Plan 1

Plan 2

Plan 3

Ward Entitlement

Any standard ward of a private hospital

Any standard ward of a restructured hospital

Any 4-bed (B1) standard ward of a restructured hospital

Inpatient Hospital Treatments

  • Daily Board, ICU
  • Surgical Benefits
  • Major Organ Transplant

As Charged

As Charged

As Charged

Pre-Hospital Treatments

As charged up to 90 days prior to admission OR

As charged up to 180 days prior to admission (from panel)

As charged up to 90 days prior to admission OR

As charged up to 180 days prior to admission (from panel)

As charged up to 90 days prior to admission OR

As charged up to 180 days prior to admission (from panel)

Post-Hospital Treatment

As charged up to 180 days prior to admission OR

As charged up to 365 days prior to admission (from panel)

As charged up to 180 days prior to admission OR

As charged up to 365 days prior to admission (from panel)

As charged up to 180 days prior to admission OR

As charged up to 365 days prior to admission (from panel)

Inpatient pregnancy complication ( after waiting period of 10 months)

As Charged

As Charged

As Charged

Living Donor Organ Transplant

S$50,000 per lifetime

S$30,000 per lifetime

S$20,000 per lifetime

Outpatient Treatments

  • Kidney Dialysis
  • Some Cancer Treatments

As Charged

As Charged

As Charged

Overseas Treatment

  • Planned
  • Emergency

As charged (pegged to costs of private hospitals in Singapore)

As charged (pegged to costs of restructured hospitals in Singapore)

As charged (pegged to costs of restructured hospitals in Singapore)

Special Benefits (Critical Illness)

Additional inpatient benefits covering 5 critical illnesses - heart attack, major cancers, end-stage lung disease, and end-stage liver disease.

S$150,000 per policy year

S$100,000 per policy year

S$50,000 per policy year

  • Family discount for child(ren)
  • Free newborn benefit
  • Yes
  • S$50,000
  • Yes
  • S$50,000

-

Add-on Rider for AVIVA MyShield: MyHealthPlus

MyHealth Plus is a rider on top of your AVIVA MyShield to enhance your medical coverage and reduce your out-of-pocket expenses. There are 2 MyHealthPlus options available:

  1. Option A-II
  2. Option C-II

Key Benefits

MyHealthPlus

  • Option A-II
  • Option C-II

Co-insurance Benefit

Covers 50% of the co-insurance amount incurred under MyShield.

Maximum co-insurance11 payable by policyholder is S$3,000 per policy year

Lump Sum payout for Critical Illness benefit

S$10,000 per lifetime if diagnosed with any of the listed Critical Illnesses.

An additional lump sum payout of up to S$3,000 per lifetime for kidney dialysis as a result of kidney failure

Ambulance fees or transport to a hospital

S$80 per injury or illness

Global Treatment

Up to S$1,250,000 per policy year and up to S$2,500,000 per lifetime with certificate of pre-authorisation obtained from panel overseas hospital for six covered illnesses and medical procedures

Cover for child(ren)

  • Option A-II : Free
  • Option C-II: Preferred rate

Ward downgrade benefit

  • Option A-II : 50% of MyShield annual deductible at restructured hospitals only
  • Option C-II: -

Deductible benefit

  • Option A-II : -
  • Option C-II: Covers MyShield annual deductible after policyholder pays MyHealthPlus annual deductible

Global Treatment

Under MyHealthPlus, AVIVA offers additional benefits of execution and coverage for medical treatment overseas.

Their Global Treatment benefit gives you the freedom to seek a second medical opinion for both planned and non-emergency treatments.

Get to enjoy:

  1. Overseas hospitalisation and medical expenses covered
    For 6 illnesses and medical procedures: Cancer Treatment, Inter-cranial and specific spinal cord surgery, Coronary Artery by-pass surgery, Live-donor organ transplant, Heart valve replacement or repair, bone marrow transplant)
  2. Travel and accommodation expenses covered for you and your companion
    If a child is Life Assured, up to 2 travel companions can be covered
  3. Cash payout of S$125 per day for daily expenses (for up to 60 days)
  4. Additional Policy Limit when you utilise the Global Treatment option - get up to S$1,250,000 per policy year and S$2,500,000 per lifetime.

AVIVA will consult a team of experts with your medical report to recommend you the best possible treatment plan, and a list of available medical centres. They will also make the necessary arrangements for your travel and accommodation.

How much does AVIVA MyShield Hospitalisation Plan cost?

Below, we break dowm the cost of AVIVA MyShield Premium by Plans and age groups:

*assuming the insured is a Singaporean Citizen or Permanent Resident

Plans

annual premium for 25 year-olds

annual premium for 35 year-olds

annual premium for 45 year-olds

MyShield Plan 1
Any standard ward of a private hospital

$232

$409

$714

MyShield Plan 2
Any standard ward of a restructured hospital

$99

$168

$312

MyShield Plan 3
Any 4-bed (B1) standard ward of a restructured hospital

$73

$100

$180

AVIVA MyShield Quote

  • Visit AVIVA's website for more details on the coverage, exclusions, and quote

Eligibility: Who can apply for AVIVA MyShield?

  • Citizenship Status: Singaporeans and Permanent Residents
  • Age: up to 75 years of Age