AVIVA MyShield Integrated Shield Plan
- Overview
- Reviews (6)
- Discussions (0)
- More Details
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This product is managed by Aviva.
Plans (3)
AVIVA MyShield Integrated Shield 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 Integrated Shield Plan Review 2021
MyShield is AVIVA's Integrated Shield Plan health insurance, which is a 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
4.0
6 Reviews
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Read Review About...
- 22 Jul 2020
Purchased
AVIVA MyShield Integrated Shield 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
What are your thoughts?Reply
- 22 Jul 2020
Purchased
AVIVA MyShield Integrated Shield Plan 2
Agent is from manulife. He is responsible and active. He will do his best to help if I have any qurey.0
What are your thoughts?Reply
- [Insurance Coverage] Not the most comprehensive But if couple buy, include free coverage for child till age 20. Not the cheapest plan around.
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3 more comments
Yeah. If you factor the free child cover, still not too bad a deal lah. Good if you have many children.
When you say not comprehensive, what's not covered or insufficiently covered, and compared to which provider?
I ask as I'm trying to decide on one, thanksWhat are your thoughts?Reply
- [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
What are your thoughts?Reply
- 24 Jan 2020[Purchase Process] I have this policy which has been in-force since 1 Mar 2013 . At that time, because of my pre-existing medical conditions, I have some difficulties getting an integrated shield plan. Fortunately I was able to sign up this policy with Moratorium Underwriting. [Terms & Conditions] For the Moratorium Underwriting, to continue to be covered, I must survive without major conditions that relates to my pre-existing one for the next 5 years. Nothing happened for the past 5 years after the policy inception, and I am still covered as at this day.
2
I think once u have had a condition, it might be difficult to get an upgrade or rider.......but
WHat is Moratorium??Hey Jimmy! What's your pre-existing condition?
What are your thoughts?Reply
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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
| 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
| As Charged | As Charged | As Charged |
Overseas Treatment
| 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 |
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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:
- Option A-II
- Option C-II
Key Benefits | MyHealthPlus
|
|---|---|
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) |
|
Ward downgrade benefit |
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Deductible benefit |
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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:
- 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) - Travel and accommodation expenses covered for you and your companion
If a child is Life Assured, up to 2 travel companions can be covered - Cash payout of S$125 per day for daily expenses (for up to 60 days)
- 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 down 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 | $232 | $409 | $714 |
MyShield Plan 2 | $99 | $168 | $312 |
MyShield Plan 3 | $73 | $100 | $180 |
Eligibility: Who can apply for AVIVA MyShield?
- Citizenship Status: Singaporeans and Permanent Residents
- Age: up to 75 years of Age
Contact AVIVA
- Visit AVIVA's website for more details on the MyShield coverage, exclusions, and quote
- Address: 4 Shenton Way, SGX Centre 2, #01-01, Singapore 068807
Contact us at [email protected] should you require any assistance or spot any inaccuracies
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