For Proposer (Payer):
Any Singaporeans or Singapore Permanent Residents aged 75 or below at next birthday on the effective date of the policy. They must be a member of Central Provident Fund Board (CPFB) with a CPF Medisave account.

For Dependant(s):
Their dependant(s) i.e. legal spouse, parents, grandparents (aged 75 or below at next birthday on the effective date of the policy) and/or children above 15 days old are also eligible.

Additional information for Dependant(s):
Non-Singapore citizen/Permanent Resident dependant(s) are allowed but must be residing in Singapore to enjoy the coverage.

Example

Singaporean payer can use Medisave to pay for dependants who are foreigners but they can't enjoy MediShield and benefits of Central Claims Processing System (CCPS), which is a one-stop e-claim service.

Medisave can be used to pay the premiums of only one Medisave-approved scheme – MediShield (standalone) or Integrated Private Medical Insurance Scheme (IPMIS).

MediShield's coverage as part of the IPMIS will be terminated. MyShield will continue to cover the Insured Person. The benefits of MyShield will be as per the Benefit Schedule.

Yes, you can always choose the hospital and class of ward but the deductible will be adjusted accordingly. Other than Outpatient Cancer Treatment and Day Surgery carried out in Singapore Restructured Hospital, a pro-ration factor will apply if you choose a higher ward than the benefits you are insured under. You should choose to admit into the ward of the Plan that you have chosen in order to enjoy the highest possible payouts for any one claim.

The pro-ration factor will be applied to the eligible expenses first before the Annual Deductible and Co-insurance are taken into account.

Example

Hospitalization claim is grouped into the following categories:
a) Room and Board;
b) Hospital Miscellaneous Charges (include Lab test, X-rays, drugs) ;and
c) Operation (includes surgery and surgeon's fees)

MyShield will cover outpatient treatments approved by the Ministry of Health (MOH) for outpatient kidney dialysis and outpatient cancer treatment.

Before a claim is payable, an Insured Person has to pay the Annual Deductible which is the accumulative total amount of covered expenses incurred by him/her during any one Policy Year.

Example

Any covered expenses incurred under Outpatient Catastrophic Treatment are not subject to the Annual Deductible.

In the event that a claim is payable, an Insured Person has to pay the amount of Co-Insurance as stated in the Benefit Schedule before we make the final payment.

If you are covered under MyShield Plus, the Co-Insurance portion for MyShield will not have to be borne by you in the event of hospitalization if the claim is payable under MyShield and the claim does not exceed the maximum claim limits as stated in the MyShield Benefits Schedule.

The Pro-ration Factor is meant to reduce the benefit payable by taking into account the difference in government subsidies applicable to the ward type of Your selected plan.

If an Insured Person is admitted to a ward higher than what he/she is entitled to under the plan he/she has chosen, or received Inpatient treatment outside Singapore, the Pro-ration Factor (if applicable), which is expressed as a percentage, will be applied to the actual charges incurred or the Reasonable and Customary Charges for equivalent medical treatment in any Singapore private Hospital or Singapore General Hospital, depending on the Plan covered, whichever is lower.

For Medisave-approved Shield plans offered by private insurers, you will receive a pro-rated refund of premium on the termination of the previous policy for unexpired period of insurance upon successful application and premium deduction for MyShield.

For 'switch' from MediShield to an integrated Shield plan, it will be regarded as a continuous coverage. There will be no termination of MediShield as the enhancement plan is offered on top of the MediShield plan. Should there be any special terms imposed, it will be applicable to the enhancement plan only. Gross premium payable for integrated plan is inclusive of MediShield's premium. Upon deduction from Medisave, CPFB will retain the premium for MediShield and pay the private insurer the excess of MediShield being the premium for the enhancement plan.

Aviva Ltd may continue to provide coverage under the enhancement Plan even when the Insured is no longer a Singapore citizen or Singapore PR, provided the premiums are paid using a MediSave account belonging to the Insured if he/she maintains the account or using another person's MediSave account (payer). The payer must be eligible to pay the Insured Person's premiums under CPF rules.

As long as the Insured Person returns to Singapore for treatment (non-emergency), Aviva Ltd is prepared to look into the claim. However, since the cover is local in context, customers may wish to reassess their need for such a protection plan.

All Pre-Existing Conditions are excluded under this Policy unless

It is not uncommon that congenital conditions go undetected at birth. They can be asymptomatic and are only diagnosed in adulthood. It is usually after a series of tests that doctors deem a certain condition to be a congenital condition.

The waiting period is also necessary to keep premiums affordable to our customers.

Pregnancy complications covered under this benefit are:
• Ectopic pregnancy
• Pre-Eclampsia or Eclampsia
• Disseminated intravascular coagulation
• Miscarriage after the first trimester (not due to voluntary or malicious act)

Yes, we will cover outpatient Hyperbaric Oxygen Therapy on the order of the attending doctor incurred within 90 days immediately following discharge from a Hospital.

You will need to complete the application form and submit it online. If your application is accepted for further review, we will inform you through email. After which, you will need to send the hardcopy application form with relevant documents to:

You should call our Customer Service Executives at 6222 8482. They will be glad to be of assistance to you.

Yes. You will receive email(s) to keep you updated on your application. Please ensure that you provide a valid email address, that you check most frequently, when you are filling in the online application form.

Moratorium underwriting will take up to 7 working days upon receipt of the physical application form with all the required documents.

For full medical underwriting, it may take longer due to underwriting requirements.

If the application reached Aviva Ltd before 15th of the current month, the policy will be effected on the 1st of the following month (if the application is in order and there are no further underwriting requirements).

Example 1

Example 2

Premium rates are inclusive of 7% GST
* Premiums are for renewals only

Premium rates are not guaranteed and may be increased on the Renewal Date of the policy at Aviva Ltd's full discretion. The plan will be automatically renewed for a further 12 months by payment of the renewal premium before the Renewal Date. Aviva Ltd may vary the benefits, cover, premium, clauses and conditions to all the policies under this class of insurance by giving 30 days advance notice in writing but will not cancel any individual policy.

Premiums payment will be deducted from your Medisave account and/or topped up with payment via cheque if there is insufficient funds in the Medisave account.

To ensure no discontinuation of cover, you are encouraged to top-up the balance directly with us via cheque.

After your application is accepted, we will attempt to deduct the premium (subject to your available funds and withdrawal limit) from your Medisave account. If there is insufficient fund, we will notify you on the top-up amount to be paid via cheque.

The grace period for topping up the outstanding premium is 30 days from policy commencement date and 2 months from renewal premium due date.

Yes, you can pay the annual premiums for your spouse, children, parents and grandparents.

You can deduct the premium from your Medisave account for your dependants as long as it is within the Medisave withdrawal limit. Any premium in excess of the applicable annual Medisave withdrawal limit has to be paid by cash.

All your children up to age 20 (next birthday) will be covered for free under Plan 2 provided both parents sign up and are accepted for cover under Plan 1 or 2.

One possible reason is you & your spouse had previously submitted separate application forms for MyShield.

Since the child(ren) is entitled to free cover only if both parents are insured under Plan 1 or 2, there is a need to first establish that the insured members are part of a family. Once the family status is established, the Free Coverage for Child(ren) will be automatically extended at the next policy renewal date.

Please call the Individual Health Services hotline number at 6827 7788. We will be able to check on your policy details and advise you accordingly.

You can use your Medisave to pay the premiums for MyShield, subject to the Medisave withdrawal limit of S$800 per Insured Person, per policy year if the insured person is below 81 years old at age next birthday. If the Insured Person is 81 years old and above at age next birthday, the withdrawal limit for premiums will be increased to S$1,150 per Insured Person, per policy year.

Yes, the free-look period is within two months from the policy commencement date or 14 days from the date of receipt of the policy, whichever is later.

Yes. However if each party decides to pay individually using his/her own Medisave account, please apply separately.

No, only annual mode of payment is allowed.

With Moratorium underwriting, applicants are not required to make any medical history declaration.

This underwriting method is applicable from 1 Sep 2007.

Under Moratorium Underwriting, no medical underwriting is required. Any new, unexpected medical conditions arising after the start of Insured Person's coverage will be covered, subject to the terms and conditions of the Policy.

Pre-existing conditions can be covered after a continuous period of 5 years from the coverage start date or date of upgrade of plan or reinstatement date, whichever is later, provided that:

It is important to understand that the Insured Person would probably never be covered for pre-existing conditions that are long-term medical conditions and/or require ongoing medical treatments.

With Moratorium Underwriting, the Policy is guaranteed issuance provided that the applicant is not of occupational class 4 and has not been declined or deferred for other insurance applications.

If the applicant is not of occupational class 4 and if he/she is not eligible for Moratorium Underwriting, he/she may choose to opt for Full Medical Underwriting, subject to Aviva Ltd's consideration, if he/she wishes to be covered under MyShield.

Full Medical Underwriting is the common underwriting practice for health insurance plans.

With Full Medical Underwriting, the applicant is required to declare his/ her medical history by fully disclosing the medical history before the date of application for the policy. The cover offered will be based on his/ her medical history. Aviva Ltd will use the information provided to decide if there are any specific pre-existing conditions that will be excluded from cover and clearly show these exclusions on the Policy Schedule that will be sent out with the Policy Documents.

This underwriting option is available for new applicants of MyShield as an alternative to Moratorium Underwriting.

Yes. All pre-existing conditions that have been declared by the applicant and specifically accepted by Aviva Ltd in writing would be covered.

"T" day refers to the date Aviva Ltd receives the completed proposal form.

Note: Given normal circumstances, Moratorium Underwriting and Full Medical Underwriting would exclude the same conditions.

Depending on the information required to assess the risk, the underwriter may request the person to be insured to provide for past and/or recent medical reports. The cost of medical report will be borne by the applicant.

Besides the general exclusions as stated in the policy contract, the following list of pre-existing conditions shall be permanently excluded under the policy and will not be covered under the Moratorium Underwriting option:

• Heart attack, heart bypass, angioplasty
• Chronic obstructive lung disease, chronic cor pulmonale, pulmonary hypertension
• Stroke
• Liver cirrhosis
• Paralysis
• Osteoporosis
• AIDS or HIV infection
• Thalassaemia Intermediate/ major
• Diabetes with complications such as protein in urine or eye problem
• Kidney failure
• Organ transplantation
• Systemic lupus erythematosus (SLE)
• Muscular dystrophy
• Multiple sclerosis
• Alzheimer's disease
• Dementia
• Any form of Cancer (other than skin cancer)
• Autism

The Moratorium period is a continuous 5-year period that starts from the effective date of cover, date of upgrade of plan or reinstatement date, whichever is later.

During this 5-year period if the Insured Person has, in relation to that pre-existing condition

• Experienced symptoms or;
• Sought advice or tests from a Physician, a Specialist or Alternative Medicine provider (including checkups for that medical condition) or;
• Required treatment or medication or;
• Received treatment or medication,

that particular pre-existing condition will be permanently excluded.

Generally, if you have a Pre-Existing Condition that requires regular check-ups, then no treatment, consultations, tests or check-ups relating to that condition will be covered by MyShield under moratorium. This is because you will not be able to pass a continuous period of 5 years without suffering symptoms or requiring treatment, medication or advice relating to the condition.

However, if the Insured Person undergoes routine checkups, such as pre-employment checkups, annual health screenings or similar types of screenings, and the results of such checkups show no existence/recurrence of the Pre-Existing Condition or any of its related symptoms, the Pre-Existing Condition shall not be permanently excluded and the 5-year Moratorium will continue. Regular check-ups that an Insured Person ought to undergo for a Pre-Existing Condition cannot be considered as a routine checkup.

Once the application is declined or accepted with exclusion(s) under Full Medical Underwriting, the applicant cannot switch to Moratorium Underwriting option to get insured.

Similarly, the Insured Person cannot switch from Moratorium Underwriting to Full Medical Underwriting once the application has been processed.

If you are insured under MyShield / MyShield Plus, the guide below shows how you can make a claim under your MyShield / MyShield Plus when you are hospitalized or need a day surgery.

• On the day of hospital admission / surgery, inform the hospital clinic of your intention to file a claim under MyShield.
• You will be asked to fill up a claim form at the hospital / clinic. The hospital / clinic will send your completed claims form and bill to Aviva Ltd for assessment within 2 weeks from your date of hospital's discharge or surgery date.
• You may be informed by Aviva Ltd to furnish additional requirement (if any) as part of claims assessment. Upon advice by Aviva Ltd, please furnish us with required document / information soonest possible so as we can process your claim.

After we have completed the assessment of your claim, we will pay the claimable amount to the hospital / clinic. If you have made any payment to the hospital / clinic, relevant refund will be made by the hospital / clinic to you or your Medisave account (if applicable).

If you are covered under MyShield Plus, Aviva Ltd will automatically assess this benefit together with MyShield and pay the relevant claimable amount to you or hospital/ clinic, where applicable.

The MyShield and MyShield plus claims take an average of 14 days to complete and Aviva may contact you or your hospital and/or clinic for more complete information.

You can contact us at our Health Inquiry Hotline at 6827 7788 for assistance in the event of a claim.

Yes, GST on covered expenses is claimable.

The final payout of the IPMIS is based on the higher of benefits under MyShield plan or MediShield.

If the MediShield payout is more than that of the MyShield plan, the claim is fully paid by MediShield. There will only be a single point of contact with Aviva Ltd, and thus there is no need to file 2 separate claims.

You can do so by returning to the hospital to activate a MyShield claim. You will be asked to complete a claim form which allows the hospital to send the claim form and bill to Aviva Ltd for claims assessment. Some hospitals may impose an administration fee for late submission. You should always file your MyShield claim upon admission to the hospital. This will ensure easier claims processing and help you avoid paying any administration fee charged by the hospital.

Medical insurance indemnifies for your actual medical expenses. You are only reimbursed for the balance not paid by any other insurer. The 3^rd party medical insurance will be the 1^st payer while MyShield/MediShield acts as the last payer.

You must return to the hospital to activate a MyShield claim and support your claim by sending a copy of your company insurance or private insurer settlement letter to Aviva Ltd.

Simply mail your original pre or post-hospital treatment bills to Aviva Ltd for claims assessment. Upon receipt of the bills, Aviva Ltd will assess and pay any claimable amount to you by cheque.

If you are eligible for Aviva Letter of Guarantee (LOG) at participating hospitals, no upfront hospital payment or deposit is required. Otherwise, the hospital may request you to pay a deposit or full payment upon admission or discharge. Any amount payable under MyShield will be refunded by the hospital to you after Aviva Ltd has fully completed the claims assessment process.

Upon admission or on the day of surgery, the hospital staff will check whether you are eligible for LOG by verifying through the eLOG system. LOG allows the waiver of hospital deposit required by the hospital in the event of a hospitalization or surgery at participating hospitals (which include Alexandra Hospital, Changi General Hospital, National University Hospital, Singapore General Hospital and Tan Tock Seng Hospital) if the claimant's estimated medical bill is above the plan deductible.

Annual Deductible and / or Co-insurance would not be included in the LOG. In the event that you are entitled to LOG, you have to bear the deductible or co-insurance portion when requested to do so by hospital.

Issuance of LOG does not constitute admission of claims liability. Aviva Ltd will further assess the claim upon receipt of the bill from the hospital. Should there be any amount paid by Aviva Ltd to the hospital pursuant to the LOG issued to the hospital is not payable under the policy, you are required to fully indemnify and reimburse Aviva Ltd.

You would be eligible for LOG once the estimated bill size is above Deductible and reason for the hospitalization or surgery does not fall within the following list of pre-excluded conditions:

The hospital staff can generate Aviva LOG instantly by logging into eLOG system.

LOG is available for hospital admission or day surgery when the estimated bill size is above Deductible. Any outpatient treatment such as the benefits provided under Outpatient Cancer Treatment, Major Organ Transplant - Approved immunosuppressant drugs and Pre / Post hospitalization Treatment are not eligible for LOG.

If any medical report is required for claims purposes, Aviva Ltd will inform you in writing. Any costs associated with obtaining a medical report will be borne by you.

Yes, day surgery is covered and there is no minimum number of hours required under this benefit.

Surgical implants will be assessed under Inpatient Benefit. As for medical consumables, it will depend on when they are incurred and the type of medical consumables. If incurred during admission, they will fall under inpatient benefit. If incurred after hospitalization and prescribed by doctor, we will assess under post hospitalization benefit.

Aviva Ltd covers up to the standard private ward or Class A ward room. In the event of claim for Deluxe room expenses, Aviva Ltd will reimburse up to the standard room rate.

No, ambulance fees are not covered under MyShield.

Community Hospital means the medical institutions in Singapore that provide intermediate Inpatient convalescent and rehabilitative healthcare services to patients who do not require the care of Hospitals. Currently, this includes, but is not limited to,

1. Ang Mo Kio - Thye Hua Kwan Hospital
2. Bright Vision Hospital
3. Kwong Wai Shiu Hospital
4. Ren Ci Community Hospital
5. St Andrew's Community Hospital
6. St Luke's Hospital
7. West Point Hospital.

Aviva Ltd will also cover stays in any new Community Hospital outside the above list, as long as it is a MOH-approved Community Hospital.

Aviva Ltd covers for overseas treatment irrespective of geographical limit when the admission is for Emergency Medical Complaint. You have to settle the bill with the hospital first and together with a medical report; you can then seek reimbursement from Aviva Ltd with the original bill.

Subject to terms and conditions of the policy, the final claims payout depends on policy year limits and not on the size of the bill. Deductible is applied to claimable amount and the balance is subject to co-insurance. The net claimable amount will be the final payout to you.

Claimable amount is the part of the bill for which you can claim insurance. Pro-ration factor, if applicable, will be applied first before deductible and co-insurance.

Annual deductible is not applicable to claims for outpatient catastrophic treatments. Co-insurance is applied to all claims.

No, they are the same and there is no change in the current claims procedure and requirements with both underwriting options.

MyShield is a guaranteed renewal plan subject to premium payment. Aviva Ltd will notify you of the renewal approximately 6 weeks prior to the renewal date, and inform you that we will arrange for the annual premium to be deducted from your MediSave account.

Aviva Ltd will send you a notification letter to arrange for the necessary premium top-up if your Medisave account has insufficient funds for the renewal premium.

As long as you have not initiated any termination request for your cover, your policy will be auto-renewed upon expiry (subject to the full payment of premium).

Besides, the annual premium deduction will be reflected in your Half-Yearly CPF Statement.

If you are effecting a new integrated plan to replace MyShield, then you need not inform Aviva Ltd to cancel your policy because CPFB will notify us to terminate your MyShield policy due to switch of insurer when your new policy with the other insurer takes effect. A pro-rated refund of the premium under MyShield will be returned to you.

However, if you decide to cancel MyShield, you must give us 30 days' notice in writing. There will be a pro-rated refund based on the number of unused days for the rest of the policy year. The cover will cease at the requested date of termination. Cover under MediShield will continue to remain in force as long as you still satisfy the eligibility criteria as specified in the CPF Act and Regulations.

If MyShield terminates due to non-payment of renewal premium, you may apply to reinstate it within 30 days of the date of notice of termination by providing satisfactory evidence of insurability at your expense. All Insured Persons must be below age 75 years next birthday at the date of reinstatement. All outstanding premiums must be received by Aviva Ltd before MyShield can be reinstated.

Treatment provided to the Insured Person after the date of termination but before the reinstatement date or within thirty (30) days of the date of notice of reinstatement will not be covered unless the treatment received as an Inpatient is for Injuries caused by an Accident occurring after the date of notice of reinstatement.

For Proposer (Payer):
Any Singaporeans or Singapore Permanent Residents aged 75 or below at next birthday on the effective date of the policy.

For Dependant(s):
Their dependant(s) i.e. legal spouse, parents, grandparents (aged 75 or below at next birthday on the effective date of the policy) and/or children above 15 days old are also eligible.

Proposer and dependants must be insured under MyShield to apply for MyShield Plus.

The Insured Person may choose to be covered under:
(a) Option A only; or
(b) Option B only; or
(c) Option A and Option B.

MyShield Plus plan type chosen must be the same as your MyShield plan type. For example, if your MyShield policy is under Plan 1, then you have to apply for MyShield Plus Plan 1 as well.

The plan type of both Options A and B must be the same under each Policy.

Yes, the chosen underwriting option (Moratorium or Full Medical Underwriting) must be the same for both MyShield and MyShield Plus plans. MyShield Plus is intended to complement MyShield. Different underwriting options may result in coverage gaps which are not in the best interests of the Insured Persons in general.

MyShield Plus premiums must be paid in cash. The premium table is as follows.

Option A

Option B

Yes, your children up to age 20 (next birthday) will be covered for free under MyShield Plus Option A Plan 2 provided both parents sign up and are accepted for cover under MyShield Plus Option A Plan 1 or 2.

Your children may add MyShield Plus Option B Plan 2 to the free coverage by paying the MyShield Plus Option B premium.

You will need to apply for MyShield Plus together with MyShield:

1. Fill in the MyShield Plus option on the online application form for yourself and your dependants (if applicable).

2. The first premium payment must be paid by cheque made payable to Aviva Ltd. Unlike MyShield, premiums for MyShield Plus cannot be paid through your Medisave account.

3. You'll need to complete the GIRO application form if you want to pay subsequent premiums by GIRO.

4. When you receive the email notification to submit your MyShield/MyShield Plus application form, please submit together with your GIRO application form. Mail all the relevant documents to:

The acceptance terms will be based on the type of underwriting option selected. The table below summarises the impact on acceptance terms for the 2 underwriting options. It is important to note that both MyShield and MyShield Plus must have the same underwriting option.