Aviva MyShield Review

The complete Pros and Cons on Aviva MyShield

Aviva MyShield has been discontinued and replaced with Singlife Shield. For further information and details about this plan, fill up the form below and let us advise you accordingly.

Aviva MyShield product details

We rated Aviva MyShield and MyHealthPlus as best for the entire family, refer to our 3 Best Integrated Shield Plans And Riders In Singapore (2023 Edition) for the detailed write-up as to why.

  • Non-participating policy – Integrated Shield Plan
  • An additional cover that integrates and complements the benefits of MediShield Life to give wider and higher protection of up to S$1,000,000 annual policy limit and as charged coverage at public or private hospitals for the medical expenses incurred.
  • You can use your Medisave funds to purchase a MyShield plan
  • Free Cover of up to S$50,000 for newborns up to 6 months old if both parents are covered under MyShield Plan 1 or Plan 2 continuously for at least 10 months from the cover start date of their respective policies on the newborn’s date of birth.
  • Free death coverage of S$50,000 for newborns up to 6 months old
  • Discounted premium rates for children (up to age 20 at next birthday) if both parents are covered under MyShield Plan 1 or Plan 2
  • Covers the preventive surgery you need to avoid further cancer
  • Covers hospital stays in a Private ward, Class A (1 bedder) and B1 (4 bedders) wards in public and private hospitals
  • As charged coverage for Pre-hospitalisation treatment up to 90 days prior to admission
  • As charged coverage for Post–hospitalisation treatment up to 180 days after discharge
  • Covers treatment received in the Accident and Emergency department within 24 hours prior to your hospital admission
  • Covers Planned and Emergency overseas inpatient treatment as charged – pegged up to the costs of Mount Elizabeth Orchard Hospital
  • Covers inpatient pregnancy complications
  • Covers major outpatient treatments including chemotherapy and kidney dialysis
  • Covers living donor organ transplant for up to S$50,000 per lifetime
  • Covers stay in a Community Hospital for up to 365 days per policy year
  • Guaranteed renewability and lifetime cover
  • Covers hospital admission deposit for up to S$50,000, through Letter of Guarantee (LOG)10 at 20 hospitals including private hospitals

Aviva My Shield is a commonly search alternative for Aviva MyShield.

Read AboutIntegrated Shield Plan: How does it work?

Read AboutIntegrated Shield Plan: 4 things you should be aware of

Features of Aviva MyShield at a glance

Based on the option with the highest coverage, MyShield Plan 1

Inpatient hospital treatment

  • Emergency overseas treatment: As charged, limited to costs of Singapore private hospitals
  • Planned overseas treatment: As charged, limited to costs of Singapore private hospitals
  • Pre-hospitalisation treatment: Up to 90 days
  • Post-hospitalisation treatment: Up to 90 days for Private hospital and up to 180 days for Public hospital/Panel specialist

Outpatient hospital treatment

  • Chemotherapy for cancer: As charged
  • Immunotherapy for cancer: As charged
  • Renal dialysis: As charged
  • Post-hospitalisation follow-up TCM treatment: S$50 per visit up to 180 days (for accident-related hospitalisation only)

Unique Benefits

  • Free Integrated Shield Plan coverage for up to 4 children when both parents are under Aviva.
  • Planned Overseas treatment covered (Also available with Prudential PRUShield).

Note: Aviva MyShield Plan 1 does not cover Co-insurance (Up to S$3,500) and Deductible (10% of the claimable amount).

*IMPORTANT* An additional Aviva MyHealthPlus (Integrated Shield Plan rider) has to be purchased for further coverage on Co-insurance and Deductible.

Read AboutNo budget for financial planning?

Read About: 3 Best Integrated Shield Plans and riders (2023 Edition) *Updated*

Aviva MyShield may be suitable if you are looking for

Aviva MyShield may potentially be a good fit if the following matters to you:

  • Hospitalisation and medical insurance coverage
  • Integrated Shield Plan or Integrated Shield Plan riders
  • Reducing hospitalisation and medical expenses
  • Paying premium using MediSave Funds

Aviva MyShield may not be suitable if you are looking for

Aviva MyShield may potentially be a bad fit if the following matters to you:

  • Surrender value, Integrated Shield Plan and/or Integrated Shield Plan riders have no cash value

What is the annual premium for Aviva Integrated Shield Plan and rider based on my age?

Refer to the drop down below for premium table for Aviva MyShield Plan 2 and Aviva MyHealthPlus A rider.

AgeSinglife Shield Plan 2
Actual Premium (Net premium payable after using MediSAVE)
Singlife Health Plus Public Lite with NCD
(Premium for rider must be fully paid by cash)
1S$86.8 (You pay S$0)S$39.46
6S$86.8 (You pay S$0)S$39.46
11S$86.8 (You pay S$0)S$39.46
16S$86.8 (You pay S$0)S$39.46
21S$99.92 (You pay S$0)S$41.18
26S$99.92 (You pay S$0)S$41.18
31S$169.57 (You pay S$0)S$52.34
36S$169.57 (You pay S$0)S$52.34
41S$314.92 (You pay S$0)S$92.65
46S$343.18 (You pay S$0)S$105.53
51S$472.37 (You pay S$0)S$141.57
56S$498.61 (You pay S$0)S$235.94
61S$780.22 (You pay S$180.22)S$421.25
66S$1,230.39 (You pay S$630.39)S$574.82
71S$1,822.88 (You pay S$922.88)S$634.01
New application or switching of Integrated Shield Plan/ rider is not allowed after age 75.
76S$2,761.57 (You pay S$1,861.57)S$660.63
81S$3,758.80 (You pay S$2,858.80)S$688.07
86S$4,547.10 (You pay S$3,647.10)S$707.81
91S$4,700.53 (You pay S$3,800.53)S$822.77
96S$4,939.74 (You pay S$4,039.74)S$1,140.21

Refer to our FAQs On Integrated Shield Plan And Riders for everything you need to know about upgrading your MediShield hospitalisation and medical treatment coverages.

Further considerations on Aviva MyShield

  • How much will Aviva or Aviva MyShield premium increase as I age?
  • How does Aviva MyShield compare with Integrated Shield Plan and/ or Integrated Shield Plan riders from other insurance companies?
  • Can Aviva MyShield fulfill my financial insurance, health and protection needs?

The above information may not fully highlight all the product details and features on Aviva MyShield. Talk to us or seek advice from a financial adviser before making any decision about Aviva MyShield.

Compare across all Integrated Shield Plans and riders!

Compare before you commit so you don’t have to regret later on. Depending on your medical and hospitalisation needs, the premium payable differs across insurers. Why pay more for what you do not need or short-charge on features and benefits by paying a little more?

compare integrated Shield Plans

Get exactly what you need for your MediShield LIFE upgrade by using our Integrated Shield Plans and rider comparison platform. Go on, its 100% free!

Is Aviva MyShield suitable for me?

Contact InterestGuru using the form below. Our panel of licensed financial advisers will advise accordingly, based on your financial profile and protection needs.

All financial reviews and proposals provided are 100% free of charge. There will be no obligation to take up any proposed financial products or services in any way.

We compare quotations head to head on all leading insurers in Singapore

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    Integrated Shield Plan/ Rider selector

    Just 5 simple questions to get you the most suitable Integrated Shield Plan/ Rider, based on your required medical and hospitalisation requirements.

    In the event of hospitalistion/ illness, where would you like to seek treatment?

    Would you prefer your hospitalisation and medical bills fully covered?

    (Additional premium via cash will be required.)

    Do you need a daily income during the period of hospitalisation?

    (Additional premium via cash will be required.)

    Would you wish to look into additional features and benefits?

    (Additional premium via cash will be required.)

    My current Integrated Shield Plan and rider (if any) is with:

    (This allows us to know if there are potential benefits from making any changes.)

    Your basic details for us to get quotes based on your profile.

    How do we address you?


    Your Date of Birth in Day/Month/Year format:


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    Before you go...
    Aviva MyShield may be a good fit towards your current financial goals. However, there could be way more plans out there with features and/ or benefits that could be more relevant to you at a lower cost.
    Drop us a message and find out about customised options across multiple insurance companies. You deserve to get the best out of your hard-earned savings!
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