MyShield Plan 1 (Private Hospital)

MyShield Plan 1 (Private Hospital) is a health insurance plan from Singlife with Aviva, available to residents of Singapore. Sum insured ranges from varies, eligible ages 0 to 75, and the policy is lifelong. Below is our take on how it compares to other health plans in our database — what it does well, where it lags, and the kind of policyholder it actually fits.

Annual premium starts at S$880, against a category median of S$800 across the 9 comparable health plans we track in this country. That places MyShield Plan 1 (Private Hospital) in the upper-mid range on price, and the middle of the pack on coverage ceiling (maximum sum insured N/A versus a peer median of N/A). On the value spectrum it reads as priced near the category median.

Coverage breadth is in line with what most health plans offer: 6 core inclusions, 4 highlighted features, and 2 optional riders. Notable features called out by Singlife with Aviva include Singapore's first digital insurer ISP, Aviva group, and MyShield Care rider for $0 co-pay. On the rider side, MyShield Plan 1 (Private Hospital) can be extended with MyShield Care rider and MyMultiPay Critical Illness — each adding to the base premium but also widening what the policy will pay out for.

Where MyShield Plan 1 (Private Hospital) explicitly will not pay: Non-medically necessary and Cosmetic surgery. These are not unusual exclusions for a health plan, but they are the boundary of the contract — anything outside that list is in scope, anything inside is not. Read the full exclusions list before signing; every plan we have ever audited has at least one exclusion the buyer did not realise was there.