MyShield

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Benefits

Plan 1 Covers hospitalisation in any A1 private ward. Maximum claim limit of $650,000 per policy year and unlimited over lifetime.
Plan 2 Covers any government or restructured ward. Maximum claim limit of $400,000 per policy year and unlimited over lifetime.
Plan 3 Covers any B1 government or restructured ward. Maximum claim limit of $150,000 per policy year and unlimited over lifetime.

Benefits1
(All Amounts in S$)
Plan 1
(Any Private Ward)
Plan 2
(Any Government / Restructured Ward)
Plan 31
(B1 Government / Restructured Ward)
Inpatient Benefits
Daily Room & Board As charged As charged As charged
Intensive Care Unit
Hospital Miscellaneous Services (including surgical implants and approved medical consummables)
Surgical Benefits (including Radiosurgery2, day surgery)
Surgical Benefits for Major Organ Transplant (including cost of procuring organs from cadaveric donor)
Accident Inpatient Dental Treatment (within 14 days following Accident)
Daily In-Hospital Doctor's Visit
Pre-Hospital Specialist's Consultation (within 90 days prior to admission) and Accident & Emergency (A&E) Treatment (within 24 days prior to admission)
Pre-Hospital Diagnostic and Laboratory Services (within 90 days prior to admission)
Post-Hospital Follow-up Treatment (within 90 days after discharge)
Confinement in Community Hospital (Up to 45 days per Policy Year)
Inpatient Congenital Anomalies (after waiting period of 24 months)
Inpatient Congenital Anomalies excluding Surgical Benefits (first diagnosed within waiting period of 24 months). Surgical fees are not payable. Up to $450 per day or Up to $900 per day
for Intensive Care Unit
Inpatient Pregnancy Complications (after waiting period of 10 months) As charged As charged As charged
Living Donor Organ Transplant (per Lifetime)(after waiting period of 24 months) $50,000 $30,000 $20,000
Outpatient Catastrophic Treatments
Outpatient Kidney Dialysis (including Erythropoietin drug as part of the treatment for chronic renal failure) As charged As charged As charged
Outpatient Cancer Treatment: Radiotherapy / Chemotherapy / Immunotherapy As charged As charged As charged
Major Organ Transplant – Approved Immunosuppressant Drugs (including Cyclosporin and Tacrolimus) As charged As charged As charged
Final Expenses Benefit3 $1,000
Special Benefits
Extra Inpatient Coverage for Heart Attack, Major Cancer, Stroke, End Stage Lung Disease, End Stage Liver Disease (per Policy Year) $150,000 $100,000 $50,000
Inpatient Psychiatric Treatment (after 10 months of continuous coverage)(per Policy Year) As charged
up to 60 days
As charged
up to 60 days
As charged
up to 60 days
Inpatient Psychiatric Treatment (within 10 months of continuous coverage)(per Policy Year) $100 per day up to 35 days
Free Coverage for Child(ren)(under Plan 2 for children up to 20 years old at age next birthday provided both parents take up either Plan 1 or 2) Yes Yes N.A
Inpatient Medical Complaint outside Singapore As charged
(pegged to costs of Singapore Private Hospitals)
As charged
(pegged to costs of Singapore Restructured Hospitals)
As charged
(pegged to costs of B1 ward of Singapore Restructured Hospitals)
Pro-ration Factor
Private Hospitals/Medical Institutions and Hospitals outside Singapore N.A. 50%4 35%5
Restructured Hospitals - Class A N.A. N.A. 85%5
Unsubsidised wards in Community Hospitals N.A. N.A. 85%6
Annual Deductible7 for Insured Persons 80 years old and below at age next birthday
Inpatient      
C Class Ward $1,500 $1,500 $1,500
B2 Class Ward $2,000 $2,000 $2,000
B1 Class Ward $2,500 $2,500 $2,500
A1 Class Ward/Private Hospital and Hospitals outside Singapore $3,500 $3,500 $3,500
Day Surgery $3,000 $3,000 $2,000
Co-Insurance (application to claimable amount after deductible) 10%
Maximum $25,500 per Policy Year
Maximum Claim Limits
Policy Year Limit $650,000 $400,000 $150,000
Lifetime Limit Unlimited Unlimited Unlimited
Age Limits (Age Next Birthday)
Last Entry Age 75 years old 75 years old 75 years old
Maximum Coverage Age Lifetime Lifetime Lifetime


Limits are per Policy Year basis unless otherwise stated

  1. For Singapore Citizens only.
  2. Radiosurgery includes Gamma Knife & Novalis Treatment which can be performed as an Inpatient or day surgery procedure. The applicable Annual Deductible and Pro-ration Factor for Radiosurgery will depend on its classification as an Inpatient or day surgery procedure.
  3. Final Expenses Benefit is a waiver of Annual Deductible and Co-Insurance amounts, up to the limit stated, upon death occurring during hospitalization or within 30 days of discharge of the hospitalization and provided death occurs as a result of the cause of the hospitalization.
  4. Pro-ration factor is applied to reduce overseas/higher classwards/private hospital bills to Singapore Restructured Hospital equivalent in the claims computation of Plan 2. This is not applicable to Outpatient Catastrophic Treatments and day surgery at a Singapore Restructured Hospital and for Outpatient Catastrophic Treatments at a subsidized dialysis or cancer centre in Singapore.
  5. Pro-ration Factor is applied to reduce overseas/higher classwards/private hospital bills to B1 Restructured Hospital equivalent in the claims computation of Plan 3. This is not applicable to expenses incurred for Outpatient Catastrophic Treatments and day surgery at a Singapore B1 Restructured Hospital and for Outpatient Catastrophic Treatments at a subsidized dialysis or cancer centre in Singapore.
  6. Pro-ration Factor is applied to reduce the unsubsidized hospital charges to equivalent subsidized charges in Community Hospital.
  7. Annual deductible will be increased by 50% for any Insured Person above 80 years old at age next birthday

Note
This portion contains important information to explain how Aviva Ltd. underwrite Your Policy.

You may choose from two underwriting options – the Full Medical Underwriting Option or the Moratorium Underwriting Option.

For the Full Medical Underwriting Option, You have to complete a medical history declaration fully disclosing the Insured Person’s medical history which existed before the date of application for the Policy, including any Pre-Existing Condition, if any.

For the Moratorium Underwriting Option, Aviva Ltd. will not ask You to give details of the Insured Person’s medical history. Instead, Aviva will not cover any Pre-Existing Condition that existed prior to the commencement of cover of MyShield.

Please refer to “Key Product Provisions – 1. Exclusions” for more information

Any new, unexpected eligible conditions arising after the start of the Insured Person’s cover will be covered immediately, subject to the terms and conditions of the Policy.