Aviva - MyBenefits Plus

Pro tips:
Please read the product disclosure sheet before you decide if you wish to apply for Aviva MyBenefits Plus Group Insurance Policy

Product information - AVIVA MyBenefits Plus

What Aviva products do we offer in Swingvy Benefit Store?
 
Aviva MyBenefits Plus:
Basic Plan: Group Basic Medical (GBM)
- Public Hospital 4-Bedded Room & Board
  ->
MyBenefits Plus GBM Plan 1
- Public Hospital 1-Bedded Room & Board
  ->
MyBenefits Plus GBM Plan 2
- Private Hospital 4-Bedded Room & Board
  ->
MyBenefits Plus GBM Plan 3
- Private Hospital 1-Bedded Room & Board
  ->
MyBenefits Plus GBM Plan 5
 
Supplementary Plans 1: Group Major Medical (GMM)
- Public Hospital 4-Bedded Room & Board
  ->
MyBenefits Plus GMM Plan 1
- Public Hospital 1-Bedded Room & Board
  ->
MyBenefits Plus GMM Plan 2
- Private Hospital 4-Bedded Room & Board
  ->
MyBenefits Plus GMM Plan 3
- Private Hospital 1-Bedded Room & Board
  ->
MyBenefits Plus GMM Plan 5
 
GBM & GMM Schedule of Benefit: 

Supplementary Plan 2: Group Outpatient Medical 
- Public Hospital 4-Bedded Room & Board
  ->
MyBenefits Plus GP Plan 1 and GP & SP with DXL Plan 3
- Public Hospital 1-Bedded Room & Board
  ->
MyBenefits Plus GP Plan 1 and GP & SP with DXL Plan 3
- Private Hospital 4-Bedded Room & Board
  ->
MyBenefits Plus GP Plan 1 and GP & SP with DXL Plan 3
- Private Hospital 1-Bedded Room & Board
  ->
MyBenefits Plus GP Plan 1 and GP & SP with DXL Plan 3
 
GP, SP and DXL Benefits Details  
 
What are the covers/benefits provided?
 
Basic Plan: Aviva MyBenefits Plus Group Basic Medical (GBM) 
Reimbursement of medical expenses incurred as a result of hospitalisation or surgery due to an illness or an accident:
 
Benefits:
  • Lump-sum limit per disability excluding room, board and ICU charge
  • Covers Outpatient Kidney Treatment and Chemotherapy / Radiotherapy (for cancer) on per annum basis
  • The flexibility of choice of hospitals
  • No Surgical Schedule of Fees
  • Death Benefit 
Supplementary Plans 1: Aviva MyBenefits Plus Group Major Medical (GMM)
Reimbursement of medical expenses in excess of Group Basic Medical
 
Benefits:
Payable if Hospital Confinement exceeds limits in the Group Basic Medical Plan and:
  • Hospitalisation  > 20 days or 
  • Surgical Percentage >= 70% per incision Co-Insurance of 20% applies
Supplementary Plan 2: Aviva MyBenefits Plus Group Outpatient Medical 
Reimbursement of outpatient medical expense incurred in General Practitioner (GP), Specialist Practitioner (SP) clinics and Diagnostic Test 
 
Benefits:
General Practitioner (GP)
  • Clinical consultation at limits as stipulated in Schedule
  • Traditional Chinese Medicine Practitioner benefit at limits  as stipulated in Schedule 
Specialist Practitioner (SP)
  • Specialist consultation at limits as stipulated in Schedule subject to a referral by GP
  • Diagnostic Test, X-Ray & Laboratory Test and Physiotherapy at limits as stipulated in Schedule subject to a referral by GP or SP
Note:
1. Please refer to the full feature and benefits and scale of benefits in the policy contract. 
2. Duration of cover is for one (1) year. You need to renew your insurance coverage annually.

 
How much premium do I have to pay?
The total premium that you have to pay may vary depending on the choice of the plan required and underwriting requirements:
 
Annual Premium Rates (Per Person in SGD)
 
**Premium Rates include prevailing GST
 
Notes:
1. Premium rates are not guaranteed. Factors contributing to the increase in premiums rates are plan specific, medical inflation, age band, occupation and underwriting requirement. 
2. New hires: We will charge the additional premium by the number of days starting from the effective date of coverage to the end of the policy period.
3. Leavers: We will refund the excess premium by the number of days beginning from the effective date of termination to the end of the policy period. 
 
What are the key terms and conditions that I should be aware of?
 
Period of Insurance 
Duration of coverage is for 12 months, renewable annually
 
Territorial Limits
24 hours, worldwide coverage
 
Eligibility
  • All full-time, permanent and actively at-work employee, directors partners and proprietors aged 16 to 70 years who are Singaporeans, Permanent Residents(PR), or with valid employment pass are eligible.
  • Dependants of employees are also eligible for coverage:
    • A spouse who is not divorced or legally separated from the Eligible Person at policy commencement date or at policy renewal
    • Unmarried or unemployed children who are between the age of 15 days (and discharged from the hospital) and 25 years at policy commencement date or at policy renewal
  • Dependant Plan shall be the same as the Employee Plan. If dependant's coverage is taken, it will apply to all eligible employees in the company within the same basis of coverage. 
Occupational Class
All benefits are available to Occupational Class 1 to 3 only
 
Premium 
  • The premium rate is based on the individual's attained age (age last birthday)
  • Mode of payment is Annual
  • Prevailing GST applies to all plans
Benefit Plan Crossovers
Group Basic Medical (GBM) and Group Major Medical (GMM) plans must be the same i.e., if Plan 1 for GBM is chosen, the GMM plan must be Plan 1 as well.
What are the major exclusions under this policy?
 
For Group Basic Medical 
All pre-existing conditions are excluded for first 12 months of coverage, except for Outpatient Cancer & Kidney Treatment, for which pre-existing conditions will be permanently excluded 
 
For Group Major Medical 
All pre-existing conditions are excluded permanently unless Insured Person has been fully underwritten by Aviva
 
Notes:
Please refer to the relevant policy contract for full list and details of exclusions
 

General FAQ - Aviva MyBenefits Plus

What is the minimum number of employees to start MyBenefits Plus policy?
You need to have at least two employees to start MyBenefits Plus policy.
 
What is the maximum entry age for my employees?
The maximum entry age is 70 years old before a birthday at the age.
 
Can my employee choose the products and the level of coverage based on their preference?
No. The company's representative will decide the products and level of coverage, either the same for all employees or differentiated by job category.
 
Can my employees insure their dependents (spouse and children)? If yes, what level of coverage are they covered?
Yes. Your employees' dependants (the relationship must be substantiated legally) will be covered with the same level of coverage as the employee plan. 
 
Can I cover my employees who are based outside Singapore?
No. This coverage is only for employees and dependents (if any) based in Singapore.
 

Product FAQ - Aviva MyBenefits Plus

Will my employee be covered under outpatient medical treatment (clinical service) without Group Basic Medical (Base Plan)?
No. Group Outpatient Medical is a rider to Group Basic Medical.
 
Are my employee's specialist visits covered?
To enjoy this benefit, you must have the Group Outpatient Medical cover (rider to Group Basic Medical). The specialist visit must be referred by a GP and the conditions do not fall under the exclusion list for the claim to be admissible.
 
Can I request to change the limits of benefits in each plan or terms and conditions of policy?
No. The terms and conditions, as well as the limits, are fixed and non-customisable.
 
How can my employees enjoy the cashless service during their panel General Practitioner (GP) visit?
Your insured employees can simply flash their e-card via the Aviva ClaimConnect mobile app at the clinic counter during their visit. 
 
Where can we find the list of Panel GP?
Employees can log in to Aviva ClaimConnect mobile app and locate the nearest clinic via the clinic locator from the app.
 
What are the other cashless services available?
There is only the Panel GP facility, which offers cashless service.
 
How does the pro-ration factor work under the Group Basic Medical plan?
Pro-ration factor means the percentage stated in the Benefits Schedule applied in the event that the Insured Person is admitted in Private hospital when entitled to admission to Singapore
Government/Restructured Hospitals under this Policy. The percentage is applied to the hospital bill incurred and the bill is reduced to the Singapore Government Restructured Hospital equivalent.
 
Does the medical coverage include a co-insurance?
Yes. There is a 20% co-insurance under the Group Major Medical, there is no co-insurance for the rest of the medical products.
Have more questions? Submit a request
Was this article helpful?
0 out of 0 found this helpful