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Aviva MyShield Health Insurance: Who is it Good For?

Aviva's health insurance plans can be pricey, but they may offer just the right type of coverage for families and offer a great value to those looking for affordable rider packages.

Aviva MyShield Health Insurance: Who is it Good For?

Aviva's health insurance plans can be pricey, but they may offer just the right type of coverage for families and offer a great value to those looking for affordable rider packages.


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  • Offers rider discounts for children
  • Has high levels of in-patient pyschiatric benefits
  • Offers rare preventative cancer treatment coverage
  • Covers overseas planned treatment


  • Plans are generally expensive (up to 35% above average)
  • Low coverage for medical aids (i.e. wheelchairs)

Aviva offers plans that are above average in cost but still provide unique family-oriented benefits. Thus, while budget conscious consumers may find other insurers to be cheaper, affluent families may find Aviva's benefits to be worth the high cost. Additionally, consumers will find Aviva's base plan and rider combinations to not only cost well below the market average, but offer a high value package as well due to their plethora of benefits.

Table of Contents

Summary of Aviva MyShield
Standard plan is the most expensive Standard plan for young consumers
Above average prices but offers hard to find coverage
Inpatient psychiatric treatment is covered in full
Offers preventative treatment for cancer (after cancer treatment)
Riders can be very affordable and provide high value
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Aviva MyShield Highlights

Aviva's MyShield plans will appeal most to wealthy individuals who want personalised benefits for every member of their family. There are four plans to choose from: Standard, Plan 3 for B1 wards, Plan 2 for A wards and Plan 3 for private hospitals. Its prices range from average to 35% above average for most individuals regardless of age. However, though premiums for MyShield are expensive, it is worth pointing out that Aviva's riders cost low enough to bring the total cost of a plan/rider package well below the industry average.

This graph shows the average premium of Aviva ward A plans compared to other ward A plans available

Even without the addition of riders, Aviva's base plan coverage may be comprehensive enough to convince some people to pay the high premiums. This is especially true as Aviva has positioned itself as a great option for multigenerational families. For instance, families looking to cover their young ones will benefit from its rider discounts for children, emergency and planned overseas treatment and newborn benefits (up to 6 months old). Families looking to provide cover for their older relatives may find value in Aviva's extra critical illness benefit, preventive treatment for cancer (if you've already been treated for it under Aviva's policy) and 100% coverage for inpatient psychiatric treatment. Additionally, you'll receive full coverage for the benefits listed below.

Fully Covered Treatments:

  • Daily Room and Board
  • Miscellaneous Hospital Services
  • Daily ICU
  • Confinement in Community Hospital
  • Surgical Procedures
  • Stem Cell Transplant
  • Gamma Knife
  • Pregnancy and Childbirth Complications
  • Radiotherapy/Chemotherapy/Immunotherapy
  • Inpatient Psychiatric Treatment (After 10 months of cover)

However, Aviva may not be a great fit for a few kinds of consumers. First, single, healthy individuals may end up drastically overpaying for benefits they'll never utilise. Second, cost-restricted consumers will find that they are priced out of all of Aviva's plans as its premiums are consistently above average. Lastly, individuals who want long-term care may not fare well with Aviva's below average pre and post hospitalisation coverage of 90 days and its lack of coverage for home nursing and medical aids (i.e. wheelchairs).

Aviva MyShield Standard Plan

Aviva MyShield's Standard Plan costs 35% above average for 25-year olds at S$66.34 and around the average for 75-year olds at S$723.32. It covers B1 wards and below and offers the same coverage as the other Standard plans on the market, including S$1,700 for daily room and board, S$2,750 per month for outpatient kidney dialysis and S$5,200 per month of cancer chemotherapy.

Premiums & CoverageMyShield StandardStandard Avg.
25-Year-Old PremiumsS$66S$49
45-Year Old PremiumsS$119S$104
65-Year Old PremiumsS$281S$254
Value (Limit/S$ Premium)1,1531,494
Annual LimitS$150,000S$150,000
Inpatient PsychiatricS$17,500S$S$17,500
Surgery BenefitsS$590-S$16,720S$590-S$16,720
Daily Ward (Non-ICU)S$1,700/dayS$1,700/day

Aviva MyShield Plan 3 Plan

Aviva's MyShield Plan 3 is a B1 ward plan that prices out cost-conscious consumers with premiums 7-14% above its peer average. For premiums that range between S$73 for 25-year-olds to S$1,341 for 75-year-olds, you'll get an industry average S$300,000 annual limit and slightly below average pre and post-hospitalisation coverage of 90 days. Plan 3 also provides full coverage for hospitalisation, cancer, pregnancy complications and accidental dental treatment, in addition to rarely found benefits such as cancer prevention coverage, planned and emergency overseas treatment, an extra S$50,000 inpatient benefit for 5 critical illnesses and a S$10,000 final expenses benefit.

If you like the benefits Aviva MyShield offers but can't afford Plan 1 or 2, this plan could be a good compromise. In exchange for a lower ward limit, you will save 25% on your premiums and still receive the preventative cancer, overseas treatment and final expense coverage. However, individuals looking for comprehensive family benefits will fare better with Aviva's more expensive plans as Plan 3 doesn't have newborn coverage or family discount benefits.

Premiums & CoverageMyShield Plan 3Non-Standard B1 Ward Median
25-Year-Old PremiumsS$73S$69
45-Year-Old PremiumsS$180S$132
65-Year-Old PremiumsS$480S$378
Value (Coverage/S$ Premium)1,7842,070
Annual LimitS$300,000S$300,000
Inpatient PsychiatricAs Charged (after 10 months cover)S$11,250
Surgery BenefitsAs ChargedAs Charged
Daily Ward (Non-ICU)As ChargedAs Charged

Aviva MyShield Plan 2 Plan

Aviva's MyShield plan 2 is a ward A plan that can be a good public hospital plan for affluent individuals looking for comprehensive family-oriented coverage. It costs around 16% above average regardless of your age, with premiums ranging from S$99 for 25-year-olds to S$2,107 for 75-year-olds. While the annual limit is around the average at S$600,000 and pre and post-hospitalisation is below average at 90 days each, Plan 2 offers a plethora of unique benefits. For instance, you'll receive a S$50,000 newborn benefit, a family discount for children, 100% coverage for preventive cancer treatment and S$100,000 of extra inpatient critical illness benefits.

If you are thinking of getting treated at a private hospital for some conditions, you should note that Aviva's 50% private hospital pro-ration is the lowest on the market (as in only 50% of your bill will be covered). However, wealthy families or those who have elderly dependents may benefit from Aviva's extra coverage for preventing and treating costly ailments. Additionally, those looking to combine the Plan 2 with a rider will also benefit, since Aviva's Plan 2 Option A II rider can cost up to 34% below the industry IP-rider package average.

Premiums & CoverageMyShield Plan 2A Ward Median
25-Year-Old PremiumsS$99S$90
45-Year Old PremiumsS$312S$229
65-Year Old PremiumsS$773S$664
Value (Coverage/S$ Premium)2,3162,421
Annual LimitS$600,000S$600,000
Inpatient PsychiatricAs Charged (after 10 months of cover)S$6,000
Surgery BenefitsAs ChargedAs Charged
Daily Ward (Non-ICU)As ChargedAs Charged

Aviva MyShield Plan 1 Plan

Aviva's MyShield Plan 1 is Aviva's private hospital plan and with premiums 10-35% above average, it is one of the pricier private hospital plans on the market. However, it offers quite comprehensive coverage that may appeal to those looking for preventive and family-related care. For instance, there is a S$1,000,000 annual limit, 90 and 180 days of pre and post-hospitalisation coverage respectively, a newborn benefit for S$50,000 and full coverage for hospitalisation, surgery, cancer and preventive cancer treatment. You will also be covered for planned and emergency overseas treatment up to what the same procedure would cost at Mount Elizabeth Orchard Hospital.

If you are looking for a hospital plan that has family-relevant benefits, Aviva's Plan 1 would be your best option. Though its premiums are above average, there are benefits that will come in handy both for your newborn and for your parents. Furthermore, despite the high price of the base plan, adding Aviva's rider Option A creates an IP-rider package that is 30% cheaper than other private hospital packages. Despite this, because we found Aviva's private hospital plan to cost around S$49 more than the cheapest insurer, it may not be the best fit if you are looking for the cheapest private hospital plan on the market.

Premiums & CoverageMyShield Plan 1Private Plan Median
25-Year Old PremiumsS$232S$218
45-Year Old PremiumsS$714S$638
65-Year Old PremiumsS$1,957S$1,592
Value (Coverage/S$ Premium)2,0312,379
Annual LimitS$1,000,000S$1,000,000
Inpatient PsychiatricAs ChargedS$6,000
Surgery BenefitsAs ChargedAs Charged
Daily Ward (Non-ICU)As ChargedAs Charged

Aviva MyShield Riders

Aviva offers 2 types of riders to choose from—Option A II or C II—for each of its MyShield plans: MyHealthPlus Plan 3 for B1 wards, MyHealthPlus Plan 2 for A wards and MyHealthPlus Plan 1 for private hospitals. The Option A II rider is very competitively priced, ranging in cost between 50-80% below the average rider plan premiums. On the other hand, the Option C II rider is a bit pricier with premiums for Plan 2 and 3 ranging up to 22% below average to the Plan 1 premiums ranging between 77%-136% above average. For both plans, you will get 100% MyShield deductible coverage (you only have to pay the MyHealthPlus deductible between S$150-S$300 for public hospitals and S$1,000 for private hospital) and 50% coinsurance coverage.

Both Options A and C offer a plethora of benefits ranging from emergency outpatient coverage to additional critical illness cover to post-hospitalisation TCM treatment. The main difference between the two options is that Option C's Plans 1 and 2 offer a preferred rate for children under 19 and covers the deductible, while Option A's Plans 1 and 2 are free for children under 19 (provided both parents are insured under both MyShield 1 or 2 and MyHealth 1 or 2) and doesn't cover the deductible. Those who opt for the MyShield Plan 2 and MyHealthPlus Option A Plan 2 package will get the best value, with a total cost up to 34% below average.

Premiums & CoverageOption A II 3Option A II 2Option A II 1
25-Year-Old PremiumS$37S$48S$136
45-Year-Old PremiumS$86S$108S$164
65-Year-Old PremiumS$428S$491S$661
Critical Illness Benefit (65 and under)S$10,000S$10,000S$10,000
Ambulance Services (per treatment)S$80S$80S$80
Accommodation Charges for ParentS$250S$650S$800
Post-Hospital TCM TreatmentS$50/visitS$50/visitS$50/visit
Premiums & BenefitsOption C II 3Option C II 2Option C II 1
25-Year-Old PremiumS$196S$248S$787
45-Year-Old PremiumS$271S$350S$1,044
65-Year-Old PremiumS$728S$925S$2,574
Critical Illness Benefit (65 and under)S$10,000S$10,000S$10,000
Ambulance Services (per treatment)S$80S$80S$80
Accommodation Charges for ParentS$250S$650S$800
Post-Hospital TCM TreatmentS$50/visitS$50/visitS$50/visit

Policy Exclusions

Aviva excludes treatment for non-accidental or emergency procedures including cosmetic or plastic surgery, general physicals, vaccinations, examinations for employment or travel, rest cures and services and non-complicated pregnancy. Additionally, you will not be covered for treatment occurring form drug or alcohol abuse, self inflicted injuries and attempted suicide. There is also no coverage for medical aids for home or outpatient use (kidney dialysis machines, wheelchairs, etc.).

Aviva may cover your pre-existing condition if you have chosen the full medical underwriting option and you have declared your pre-existing condition. If you choose the moratorium underwriting option, your pre-existing condition will be covered if you have not experienced any symptoms, sought advice for the condition or required/received treatment for the condition during the moratorium time period.

Claims & Contact Information

Aviva offers a letter of guarantee that will prevent you from having to pay large upfront costs when you are admitted to the hospital if you use one of their selected medical providers. Upon discharge, Aviva will settle the claim directly with the hospital. If the hospital is not partnered with Aviva, then you will responsible for the deposit and you'll have to E-file your claim to Aviva. If you need additional forms or want to send an enquiry into your claim, you can visit Aviva's website (linked down below).

Contact Information
Customer Service Number+65 6827 9933
Email[email protected]
Address4 Shenton Way, #01-01, SGX Centre 2, Singapore 068807
Medical Claim EnquiryLife & Health Claims Page

Aviva MyShield Cost & Features

While MediShield Life guarantees medical coverage, it may not be enough for your future needs. This is why supplemental policies like Aviva's MyShield can become invaluable additions to your health coverage. However, policies become more expensive as you age and thus, you should take care to examine both the benefits offered and your future financial state. If you want to compare Aviva to other Integrated Shield Plans current available, you can read our guide to the best IPs currently available.

Premiums & CoverageStandardPlan 3Plan 2Plan 1
25-Year-Old PremiumS$66S$73S$99S$232
45-Year-Old PremiumS$119S$180S$312S$714
65-Year-Old PremiumS$281S$480S$773S$1,957
Annual LimitS$150,000S$300,000S$600,000S$1,000,000
Pre-Hospitalisation Benefits (Days)N/A909090
Post-Hospitalisation Benefits (Days)N/A9090180
Daily Room & BoardS$1,700As ChargedAs ChargedAs Charged
SurgeryS$590-S$16,720As ChargedAs ChargedAs Charged
Inpatient PsychiatricS$17,500As ChargedAs ChargedAs Charged
Pregnancy Complications BenefitN/AAs ChargedAs ChargedAs Charged
Accidental Dental BenefitsAs Per SurgicalAs ChargedAs ChargedAs Charged
Deductible B1 WardS$2,000S$2,500S$2,500S$2,500
Deductible A WardS$2,500S$3,500S$3,500S$3,500
Deductible Private HospitalS$2,500S$3,500S$3,500S$3,500
Anastassia Evlanova

Anastassia is a Senior Research Analyst at ValueChampion Singapore, evaluating insurance products for consumers based on quantitative and qualitative financial analysis. She holds degrees in Economics and International Business Management and her prior working experience includes work in the capital markets sector. Her analyses surrounding insurance, healthcare, international affairs and personal finance has been featured on AsiaOne, Business Insider, DW, Vice, Her World, Asia Insurance Review, the Australian Institute of International Affairs and more.

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