Aviva MyShield Health Insurance: Who is it Good For?

AvivaMyShield Plan 2
AvivaMyShield Plan 2

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.

Good for

  • Families looking to maximise coverage
  • Those looking for high levels of psychiatric coverage
  • Affluent consumers
  • Those who want riders with their health insurance

Bad for

  • Individuals on a budget
  • Those who want coverage for medical aids (i.e. wheelchairs)

Editor's Rating

4.0/5.0

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.

Summary of Aviva MyShield

StandardPlan 3Plan 2Plan 1
Most expensive Standard plan for young consumersAbove average prices but unique coverage
Psychiatric treatment is covered in full
Offers preventative treatment for cancer (after cancer treatment)
Riders can be very affordable and provide high value

Highlights of Aviva MyShield Plans

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.

MyShield StandardStandard Avg.
25-Year OldS$66S$49
45-Year OldS$119S$103
75-Year OldS$723S$720
Value 45-Year Old (Limit/S$ Premium)1,2631,488
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$71 for 25-year olds to S$1,302 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.

MyShield Plan 1Non-Standard B1 Ward Median
25-Year OldS$71S$66
45-Year OldS$175S$144
75-Year OldS$1,302S$1,060
Value for 45-Year Olds(Coverage/S$ Premium)1,7152,487
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$96 for 25-year olds to S$2,045 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 from Aviva since its Option A rider premiums are low enough to bring Aviva's IP-rider package to about 30-40% below the industry IP-rider package average.

MyShield Plan 2A Ward Median
25-Year OldS$96S$94
45-Year OldS$303S$290
75-Year OldS$2,046S$1,937
Value for 45-Year Olds(Coverage/S$ Premium)1,9802,637
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 10-25% 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.

MyShield Plan 1Private Hospital Plan Median
25-Year OldS$222S$190
45-Year OldS$459S$518
75-Year OldS$2,769S$3,057
Value (Coverage/S$ Premium)1,5581,928
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 or C—for each of its MyShield plans: MyHealth Plan 3 for B1 wards, MyHealth Plan 2 for A wards and MyHealth Plan 1 for private hospitals. Option A riders all cost significantly below average, ranging between 80-50% below the industry average for riders. Option C riders start off as 15-30% below average for Plan 3, around the average for Plan 2 and around 80-100% above average for Plan 1.

Both Options A and C offer a plethora of benefits ranging from hospital cash 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 MyHealth Option A Plan 2 package will get the best value, with a total cost 50-60% below the average.

Option A 3Option A 2Option A 1Option C 3Option C 2Option C 1
25-Year Old PremiumS$38S$51S$124S$204S$258S$583
45-Year Old PremiumS$90S$111S$131S$S$282S$365S$715
75-Year Old PremiumS$610S$786S$872S$1,352S$1,725S$3,099
Critical Illness Benefit (65 and under)S$10,000S$10,000S$10,000S$10,000S$10,000S$10,000
Ambulance Services (per treatment)S$80S$80S$80S$80S$80S$80
Hospital Cash BenefitS$100S$150S$300S$100S$150S$300
Accommodation Charges for ParentS$250S$650S$800S$250S$650S$800
Post-Hospital TCM TreatmentS$50/visitS$50/visitS$50/visitS$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
Address4 Shenton Way, #01-01, SGX Centre 2, Singapore 068807
Medical Claim EnquiryWebpage
Medical Claim FormPDF

Aviva MyShield Cost and Features

AvivaMyShield Plan 2
AvivaMyShield Plan 2

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.

StandardPlan 3Plan 2Plan 1
25-Year Old PremiumS$66S$71S$96S$215
45-Year Old PremiumS$119S$175S$303S$642
75-Year Old PremiumS$723S$1,302S$2,045S$3,370
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

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