Employee Benefits & Healthcare - Domestic Plans

Aviva's Group Term Life Insurance plan makes important basic coverage affordable for businesses of all shapes and sizes. The plan gives you the flexibility of tying specific sums to be assured to employee salary or other fixed amounts. The policy is nearly exclusion free, with no medical underwriting required (depending on the assured sum amount). For easier administration, employees can also choose a flat sum assured with no underwriting requirements.

The plan also pays upon diagnosis of an illness that will most likely lead to death within 12 months of diagnosis. Additionally, employees terminated for medical reasons can continue their coverage for up to 12 months following the termination.

The information on this page is only an overview of the benefits of Group Term Life (GTL), and not a contract of insurance. The detailed terms and conditions of this plan are provided in the relevant policy contract

Designed as a rider to the Group Term Life Insurance plan, our Group LivingCare coverage helps employees manage the expenses and loss of income due to a major illness. The cover is paid as either a percentage of the General Term Life benefit or as an amount beyond that assured sum.

The information on this page is only an overview of the benefits of Group Living Care (GLC), and not a contract of insurance. The detailed terms and conditions of this plan are provided in the relevant policy contract

Aviva's Group Personal Accident Insurance rider extends Group Life Term cover to protect employees against death or disablement due to accident. The protection is global, covering employees where ever they go, 24 hours a day. The exact benefit paid depends on the nature of the industry, up to a maximum of 150% of the sum assured. All of this extra coverage pays beyond any benefits paid by Workmen's Compensation.

The information on this page is only an overview of the benefits of Group Personal Accident Insurance (GPA), and not a contract of insurance. The detailed terms and conditions of this plan are provided in the relevant policy contract

We also offer Group Disability Income Insurance, which replaces income lost due to a total permanent disability. Employees can receive up to 75% of their last drawn salary, letting them concentrate on rebuilding their life and health instead of worrying about how they will provide for loved ones in the future. It's another way for you and Aviva to protect the ones who matter most to your business and your success.

The information on this page is only an overview of the benefits of Group Disability Income Insurance (GDII), and not a contract of insurance. The detailed terms and conditions of this plan are provided in the relevant policy contract

Our hospital and surgical plans provide the medical cover your personnel deserve. It reimburses your employees for the medical expenses, including day surgery that might occur. It also covers the employee's dependants. Most importantly, the coverage offers great flexibility. It covers your employees wherever they go, with global coverage that's in effect 24 hours a day.

The information on this page is only an overview of the benefits of Group Hospital and Surgical Insurance, and not a contract of insurance. The detailed terms and conditions of this plan are provided in the relevant policy contract

This plan offers your employees extensive benefits while still helping you streamline costs and complications. You decide what works best, customising the coverage and benefits to meet the needs of different employees and their families. In addition to a wide range of standard covers, the plan offers kidney dialysis and chemotherapy as optional riders. The plan's room and board coverage is flexible, based on ward entitlement.

The information on this page is only an overview of the benefits of Group Enhanced Hospital and Surgical, and not a contract of insurance. The detailed terms and conditions of this plan are provided in the relevant policy contract

Our Group Basic Medical Plan offers reliable coverage without the limitations and constraints associated with our Group Enhanced Hospital and Surgical protection. Instead of paying individual sub-limits, the plan pays surgical and hospital charges up to 50% of lump sum limits. Like the GHS plan, room and board coverage is based on ward entitlement.

The information on this page is only an overview of the benefits of Group Basic Medical Plan (BMP), and not a contract of insurance. The detailed terms and conditions of this plan are provided in the relevant policy contract

Our Group Medicare plan offers additional benefits that extend the basic cover provided by the Group Basic Medical Plan. This allows you to free your employees from worries often about how they would face the enormous costs of a catastrophic medical event or hospitalisation. Cancer and dialysis coverage is available as optional riders.

The information on this page is only an overview of the benefits of Group Medicare (MC), and not a contract of insurance. The detailed terms and conditions of this plan are provided in the relevant policy contract

Aviva's Managed Care plan gives your employees access to a huge network of talented doctors and service providers. This gives them the freedom to manage their own care, choosing the experts that can best meet their needs. This plan covers costs for everything from primary care to hospitalisation benefits, with dental, maternity and major medical coverage available as optional riders.

Our panel of healthcare providers includes:

• General practitioners (GPs) island-wide
• Private specialists representing a broad range of treatment disciplines
• Ancillary centres providing diagnostic x-ray and laboratory services
• Coverage may be customised to allow employees and their dependents, the choice of Government Restructured or Private hospitals

Supplementary riders are also available:

• Group Major Medical (GMM) – cover medical expenses incurred as a result of major illness or prolonged hospitalization that exceeds the limits provided under GHS policy.
• Group Dental
• Group Maternity

The information on this page is only an overview of the benefits of Managed Care Plan (Preferred Care Plus), and not a contract of insurance. The detailed terms and conditions of this plan are provided in the relevant policy contract

Aviva believes in helping to protect those that protect us. We demonstrate this commitment by offering special SAF Insurance plans that allow you to supplement your existing coverage and benefits. Our SAF Group Term Life Insurance policy is designed for SAF and MINDEF personnel as well as those who have committed to national service.

For as little as $2.52 a day, you can be assured up to $600,000! If you are married, your spouse and children can enjoy this scheme at an even lesser amount of $1.97 a day only! This small amount covers you the following:

a. Life Insurance Coverage

b. Personal Accident Coverage

Both you and your spouse can continue to enjoy this comprehensive 24-hour worldwide term life insurance up to age 70 even after you leave the SAF or retire or have no reserve liability.

Another important aspect of Aviva's SAF Group Term Life Insurance policy is the eligibility for the SAF / MINDEF rebate in good years. This rebate, paid at the discretion of SAF / MINDEF, offers a partial rebate or refund of premium for this policy based on the premium paid for all or a portion of the preceding policy year.

* Terms and Conditions apply.

The information on this page is only an overview of the benefits under the SAF Group Insurance scheme and is not a contract of insurance. The detailed terms and conditions of the scheme are contained in the Group Policy Contract No. 2000002 and Group Policy No. 2000019.

In addition to the Group Term Life Insurance, when a major illness occurs, your living expenses and other costs can be quite substantial, and your other insurance may have limitations. Do not despair! With this Supplementary Major Illness Insurance for less than $1 daily, we will provide added financial protection of $300,000 (if you are aged 45 and below) to help you tide over the financial difficulties while you seek medical treatment on these common major illnesses namely:

* Terms and Conditions apply.

The information on this page is only an overview of the benefits under the SAF Group Insurance scheme and is not a contract of insurance. The detailed terms and conditions of the scheme are contained in the Group Policy Contract No. 2000002 and Group Policy No. 2000019.

This insurance covers you 24-hour worldwide for accidents arising from personal/social activities including peacetime SAF training locally and overseas. With a maximum coverage of $300,000 for a daily premium of $0.44 (inclusive of prevailing GST), you need not worry anymore about accidents that may cause you death, total and permanent disablement or accidental permanent dismemberment.

* Terms and Conditions apply.

The information on this page is only an overview of the benefits under the SAF Group Insurance scheme and is not a contract of insurance. The detailed terms and conditions of the scheme are contained in the Group Policy Contract No. 2000002 and Group Policy No. 2000019.

This insurance plan provides the security of continuing income in the event of disability, paying monthly as long as disability continues, up to age 55.

Click on our brochures now to know more about these special SAF insurance schemes!

* Terms and Conditions apply.

The information on this page is only an overview of the benefits under the SAF Group Insurance scheme and is not a contract of insurance. The detailed terms and conditions of the scheme are contained in the Group Policy Contract No. 2000002 and Group Policy No. 2000019.

Aviva's MyBenefits plan is designed especially for small and growing businesses that need a benefits solution that offers both flexibility and affordability. It provides big company benefits without a lot of the hassle traditionally associated with larger more formal benefits plans.

Maximum Flexibility
The plan lets even the smallest company participate, with only two employees needed and no minimum premiums required. These great benefits stay with your employees, 24 hours a day, all around the globe. It's easy for employees as well, with no need for complicated examinations or approval processes₁.

¹ For Group Term Life and Group Living Care, Sum Assured in excess of S$100,000 is subject to underwriting.

Easy Planning and Budgeting
Beyond this flexibility, predictable MyBenefits pricing makes planning for the future easy: you know what you'll pay next year, with no need to negotiate. Since costs are based on the entire benefits portfolio, claims made to one provider won't automatically raise costs.

The MyBenefits product takes a lot of the time and frustration out of the benefits administration process. That leaves you with more time and energy to focus on what you do best: growing your business and achieving your success.

The information on this page is only an overview of the benefits of MyBenefits, and not a contract of insurance. The detailed terms and conditions of this plan are provided in the relevant policy contract