Features & Benefits


Option A

  • Co-insurance1 benefit – covers the co-insurance amount incurred under MyShield
  • Hospital Cash Benefit2 of up to S$300 per day
  • Critical illness benefit3 of S$10,000 per lifetime
  • Covers ambulance fees or taxi fares to hospital4
  • Covers post-hospital follow-up TCM treatment5
  • Free child(ren) cover6
  • Extended cover for post-hospital treatment up to 180 days

Option C (Option A + MORE! )

You are covered from the first dollar up and with zero out-of-pocket expenses.


Additional features on top of Option A

  • Deductible benefit7 – you are covered from the first dollar up and with zero out-of-pocket expenses.
  • Preferred rate8 for child(ren) cover
 

How to apply

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1 Co-insurance is the amount that you need to co-pay on the claimable amount after the annual deductibles have been paid. The co-insurance of MyShield is 10%, with a maximum of S$25,500 per policy year.
2 For admission to standard wards of restructured hospitals that are lower than that of your chosen plan. This benefit is not payable for day surgeries, stays in a community hospital or private hospital, or if there is no hospital stay involved.
3 Only applies if the Life Assured has crossed his/her first birthday and is not older than 65 years (ANB). Please refer to Policy Contract for details.
4 Benefit of S$80 per injury or illness is payable for one-way transport to hospital within Singapore, provided if the Life Assured is admitted as an inpatient – within 24 hours of arrival at the hospital for treatment of an illness or injury under MyShield policy.
5 TCM treatment includes the cost of consultation, acupuncture, scrapping, cupping, and tui na, but not the cost of medication. Inpatient admission before the post-hospital follow-up TCM treatment must be the result of an accident. We will not pay for any post-hospital follow-up TCM treatment following an inpatient treatment in community hospital.
6 Your dependant child, who is covered for free under MyShield, is also eligible for free coverage under Option A, Plan 2 of MyHealthPlus – provided both parents are covered under Plan 1 or 2 of MyShield, and are also covered under Plan 1 or 2 of MyHealthPlus Option A or C. The child shall enjoy the same benefits as provided for under Option A, Plan 2 of the Benefits Schedule.
7 Deductible is the cumulative total amount of medical expenses you have to bear in any one policy year, before any benefits are payable, is deductible. For MyShield, it ranges from S$1,500 to S$5,250. Please refer to the Product Summary and Policy Contract for details.
8 Your dependant child, who is covered for free under MyShield, is also eligible for Preferred Rate for Children under Option C, Plan 2 of MyHealthPlus – provided both parents are covered under Plan 1 or 2 of MyShield, and also covered under Plan 1 or 2 of MyHealthPlus Option A or C. The child shall enjoy the same benefits as provided for under Option C, Plan 2 of the Benefits Schedule.





Important Notes
This policy is underwritten by Aviva Ltd, and distributed by DBS Bank Ltd (“DBS”). It is not an obligation of, deposit in or guaranteed by DBS. This publication is for general circulation only. It does not form part of any offer or recommendation, or have any regard to the investment objectives, financial situation or needs of any specific person. Buying an insurance policy is a long-term commitment. An early termination usually involves high costs and the surrender values may be less than the total premiums paid. Before committing to purchase an insurance product, please seek advice from a financial or other professional adviser regarding the suitability of the product for you and read the relevant product offer documents, including the product summary and risk disclosures, which can be obtained from DBS. If you do not wish to seek financial advice, please consider carefully whether the product is suitable for you.
This policy is protected under the Policy Owners’ Protection Scheme which is administered by the Singapore Deposit Insurance Corporation (“SDIC”). Coverage for your policy is automatic and no further action is required from you. For more information on the types of benefits that are covered under the scheme as well as the limits of coverage, where applicable, please contact DBS or visit the Life Insurance Association, General Insurance Association or SDIC websites.