Blue Cross Blue Shield Coast to Coast 250500 Plan
Singlife with 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 Singlife with Aviva's benefits to be worth the high cost. Additionally, consumers will find Singlife with 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
- Singlife Shield: What You Should Know
- Singlife Shield Standard Plan
- Singlife Shield Plan 3 Plan
- Singlife Shield Plan 2 Plan
- Singlife Shield Plan 1 Plan
- Singlife Shield Riders
- Policy Exclusions
- Contact & Claims Info
- Singlife Shield Cost & Features
| Summary of Singlife Shield |
|---|
| 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 |
| Apply for this plan through our partner PolicyPal by clicking "Get a Quote" |
Singlife with Aviva Integrated Shield Plan Highlights
Singlife with Aviva's Shield plans will appeal most to wealthy individuals who want personalised benefits for every member of their family. There are three plans to choose from: Plan 3 for B1 wards, Plan 2 for A wards and Plan 1 for private hospitals. Its prices range from average to 35% above average for most individuals regardless of age. However, though premiums for Singlife Shield are expensive, it is worth pointing out that Singlife with Aviva's riders cost low enough to bring the total cost of a plan/rider package well below the industry average.
Even without the addition of riders, Singlife with Aviva's base plan coverage may be comprehensive enough to convince some people to pay the high premiums. This is especially true as Singlife with 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 Singlife with Aviva's extra critical illness benefit, preventive treatment for cancer (if you've already been treated for it under Singlife with 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, Singlife with 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 Singlife with Aviva's plans as its premiums are consistently above average. Lastly, individuals who want long-term care may not fare well with Singlife 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).
Singlife Shield Plan 3 Plan
Singlife Shield 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 Singlife Shield 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 & Coverage | Singlife Shield Plan 3 | Non-Standard B1 Ward Median |
|---|---|---|
| 25-Year-Old Premiums | S$73 | S$69 |
| 45-Year-Old Premiums | S$180 | S$132 |
| 65-Year-Old Premiums | S$480 | S$378 |
| Value (Coverage/S$ Premium) | 1,784 | 2,070 |
| Annual Limit | S$300,000 | S$300,000 |
| Inpatient Psychiatric | As Charged (after 10 months cover) | S$11,250 |
| Surgery Benefits | As Charged | As Charged |
| Daily Ward (Non-ICU) | As Charged | As Charged |
Singlife Shield Plan 2 Plan
Singlife Shield 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 Singlife with 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 & Coverage | Singlife Shield Plan 2 | A Ward Median |
|---|---|---|
| 25-Year-Old Premiums | S$99 | S$90 |
| 45-Year Old Premiums | S$312 | S$229 |
| 65-Year Old Premiums | S$773 | S$664 |
| Value (Coverage/S$ Premium) | 2,316 | 2,421 |
| Annual Limit | S$600,000 | S$600,000 |
| Inpatient Psychiatric | As Charged (after 10 months of cover) | S$6,000 |
| Surgery Benefits | As Charged | As Charged |
| Daily Ward (Non-ICU) | As Charged | As Charged |
Singlife Shield Plan 1 Plan
Singlife Shield 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, Singlife with 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 Singlife with Aviva's rider Option A creates an IP-rider package that is 30% cheaper than other private hospital packages. Despite this, because we found Singlife with 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 & Coverage | Singlife Shield Plan 1 | Private Plan Median |
|---|---|---|
| 25-Year Old Premiums | S$232 | S$218 |
| 45-Year Old Premiums | S$714 | S$638 |
| 65-Year Old Premiums | S$1,957 | S$1,592 |
| Value (Coverage/S$ Premium) | 2,031 | 2,379 |
| Annual Limit | S$1,000,000 | S$1,000,000 |
| Inpatient Psychiatric | As Charged | S$6,000 |
| Surgery Benefits | As Charged | As Charged |
| Daily Ward (Non-ICU) | As Charged | As Charged |
Singlife Shield Riders
Singlife with Aviva offers 2 types of riders to choose from — Singlife Health Plus Private or Public — for each of its Singlife Shield plans: Private rider for Singlife Shield Plan 1 only, and Public rider for Singlife Shield Plans 2 or 3.
Policy Exclusions
Singlife with 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.).
Singlife with 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
Singlife with 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, Singlife with Aviva will settle the claim directly with the hospital. If the hospital is not partnered with Singlife with Aviva, then you will responsible for the deposit and you'll have to E-file your claim to Singlife with Aviva. If you need additional forms or want to send an enquiry into your claim, you can visit Singlife with Aviva's website (linked down below).
Singlife Shield Cost & Features
While MediShield Life guarantees medical coverage, it may not be enough for your future needs. This is why supplemental policies like Singlife Shield 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 Singlife with Aviva to other Integrated Shield Plans current available, you can read our guide to the best IPs currently available.
| Premiums & Coverage | Plan 3 | Plan 2 | Plan 1 | |
|---|---|---|---|---|
| 25-Year-Old Premium | S$73 | S$99 | S$232 | |
| 45-Year-Old Premium | S$180 | S$312 | S$714 | |
| 65-Year-Old Premium | S$480 | S$773 | S$1,957 | |
| Annual Limit | S$150,000 | S$300,000 | S$600,000 | S$1,000,000 |
| Pre-Hospitalisation Benefits (Days) | N/A | 90 | 90 | 90 |
| Post-Hospitalisation Benefits (Days) | N/A | 90 | 90 | 180 |
| Daily Room & Board | S$1,700 | As Charged | As Charged | As Charged |
| Surgery | S$590-S$16,720 | As Charged | As Charged | As Charged |
| Inpatient Psychiatric | S$17,500 | As Charged | As Charged | As Charged |
| Pregnancy Complications Benefit | N/A | As Charged | As Charged | As Charged |
| Accidental Dental Benefits | As Per Surgical | As Charged | As Charged | As Charged |
| Deductible B1 Ward | S$2,000 | S$2,500 | S$2,500 | S$2,500 |
| Deductible A Ward | S$2,500 | S$3,500 | S$3,500 | S$3,500 |
| Deductible Private Hospital | S$2,500 | S$3,500 | S$3,500 | S$3,500 |
Read Also:
- Best CareShield Life Supplement Plans Singapore
- Guide to ElderShield & CareShield Life
- Key Moments in Life When You Might Need an Integrated Shield Plan
Source: https://www.valuechampion.sg/singlife-with-aviva-health-insurance-integrated-shield-plan-review
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