• Share
  • Email
  • Embed
  • Like
  • Save
  • Private Content
MyCare Slides
 

MyCare Slides

on

  • 605 views

 

Statistics

Views

Total Views
605
Views on SlideShare
605
Embed Views
0

Actions

Likes
0
Downloads
16
Comments
0

0 Embeds 0

No embeds

Accessibility

Categories

Upload Details

Uploaded via as Adobe PDF

Usage Rights

© All Rights Reserved

Report content

Flagged as inappropriate Flag as inappropriate
Flag as inappropriate

Select your reason for flagging this presentation as inappropriate.

Cancel
  • Full Name Full Name Comment goes here.
    Are you sure you want to
    Your message goes here
    Processing…
Post Comment
Edit your comment

    MyCare Slides MyCare Slides Presentation Transcript

    • Faster Financial ReliefMyCare and MyCare PlusLong term care insurance
    • Disclaimers The information contained within this presentation has been obtained from sources Aviva Ltd believes to be reliable and accurate but no representation or warranty, expressed or implied, is made as to the fairness, accuracy, completeness or correctness of the information. Neither Aviva Ltd nor any of its associates, nor any director, officer or employee accepts any liability whatsoever for any direct, indirect or consequential loss and/or damage arising from or in connection with any use of, reliance upon, the information and opinions contained herein or communicated during this presentation. The information in this presentation shall not to be reproduced in whole or in part without the prior written consent of Aviva Ltd. The information herein is correct as at presentation. This presentation is based solely on product information provided by Aviva Ltd and does not have regard to the specific investment objectives, financial situation and needs of any particular person. The standard terms and conditions of this plan are provided in, and is qualified in its entirety, by the relevant policy contract. This information is confidential and is strictly for internal circulation only and is not to be reproduced, in whole or in part for public/external distribution to policy holders, prospects and/or any other third party for any purpose whatsoever. The information herein is correct as at presentation.Aviva//MC/MCP 2D1104.6
    • Agenda • Why long term care? • What is long term care? • What is ElderShield? • Why think about it now? • What are MyCare & MyCare Plus? • How does it works? • What else do I need to know? This presentation is based solely on product information provided by Aviva Ltd and does not have regard to the specific investment objectives, financial situation and needs of any particular person. The standard terms and conditions of this plan are provided in, and is qualified in its entirety, by the relevant policy contract. This information is confidential and is strictly for internal circulation only and is not to be reproduced, in whole or in part for public/external distribution to policy holders, prospects and/or any other third party for any purpose whatsoever. The information herein is correct as at presentation.Aviva//MC/MCP 3D1104.6
    • Contact Details - Business Partnership Managers • Maria Dela Cruz – HP: 9062 0112 – Office: 6321 7717 – Email: mariaedlyn_delacruz@aviva-asia.com • Daniel Goh – HP: 8282 8971 – Office: 6321 7764 – Email: daniel_goh@aviva-asia.com This presentation is based solely on product information provided by Aviva Ltd and does not have regard to the specific investment objectives, financial situation and needs of any particular person. The standard terms and conditions of this plan are provided in, and is qualified in its entirety, by the relevant policy contract. This information is confidential and is strictly for internal circulation only and is not to be reproduced, in whole or in part for public/external distribution to policy holders, prospects and/or any other third party for any purpose whatsoever. The information herein is correct as at presentation.Aviva//MC/MCP 4D1104.6
    • Contact Details Hotline Numbers • 6827 9923 (Advisor – Pre & Post Sales) 6827 7788 (Customer – Post Sales) Email: • For corresponding on matters related to Individual life underwriting letters & memos: – indivlife_underwriting@aviva-asia.com • For corresponding on matters related to queries related to general & policy related matter – cs_life@aviva-asia.com • Operating Hours: 8.45am – 5.30pm (Mon – Fri) This presentation is based solely on product information provided by Aviva Ltd and does not have regard to the specific investment objectives, financial situation and needs of any particular person. The standard terms and conditions of this plan are provided in, and is qualified in its entirety, by the relevant policy contract. This information is confidential and is strictly for internal circulation only and is not to be reproduced, in whole or in part for public/external distribution to policy holders, prospects and/or any other third party for any purpose whatsoever. The information herein is correct as at presentation.Aviva//MC/MCP 5D1104.6
    • Why long-term care? • No one is immune to becoming disabled. • Severe disability from accident/illness can happen at any age. • It’s real. • It happens! This presentation is based solely on product information provided by Aviva Ltd and does not have regard to the specific investment objectives, financial situation and needs of any particular person. The standard terms and conditions of this plan are provided in, and is qualified in its entirety, by the relevant policy contract. This information is confidential and is strictly for internal circulation only and is not to be reproduced, in whole or in part for public/external distribution to policy holders, prospects and/or any other third party for any purpose whatsoever. The information herein is correct as at presentation.Aviva//MC/MCP 6D1104.6
    • Why long-term care? Expense Items Estimated costs (S$) Nursing Homes (SG) Up to $4,000 p.m.1 Nursing Homes (JB) Up to $1,000 p.m.1 Private Nurse Up to $8,400 p.m. 2 Min $750 p.m., depending on Trained Home Caregiver services3 Doctor’s visits Up to $220 per visit 4 Medical Expenses Depending on conditions Rehabilitation Equipment, home modifications, Depending on conditions physiotherapy, supplies like napkins, etc 1 Source: “JB nursing homes draw some Singaporeans”, 16th Feb 2009, The Straits Times. 2 Source: http://www.singaporehomenursing.com/Singapore-Nursing-Salary.html. Assume 30 visits per month. 3 Source: NTUC ElderCare. Assumes 30 visits per month. 4 Source: “Improving home care”, 20 Dec 2010, The Straits Times. This presentation is based solely on product information provided by Aviva Ltd and does not have regard to the specific investment objectives, financial situation and needs of any particular person. The standard terms and conditions of this plan are provided in, and is qualified in its entirety, by the relevant policy contract. This information is confidential and is strictly for internal circulation only and is not to be reproduced, in whole or in part for public/external distribution to policy holders, prospects and/or any other third party for any purpose whatsoever. The information herein is correct as at presentation.Aviva//MC/MCP 7D1104.6
    • What is long-term care? • Support for when we can no longer ‘do the basics’ on our own. • There are six (6) Basic Activities of Daily Living (“ADL”). Washing Feeding Transferring Dressing Toileting Mobility This presentation is based solely on product information provided by Aviva Ltd and does not have regard to the specific investment objectives, financial situation and needs of any particular person. The standard terms and conditions of this plan are provided in, and is qualified in its entirety, by the relevant policy contract. This information is confidential and is strictly for internal circulation only and is not to be reproduced, in whole or in part for public/external distribution to policy holders, prospects and/or any other third party for any purpose whatsoever. The information herein is correct as at presentation.Aviva//MC/MCP 8D1104.6
    • What would your life be like after a disability? Medical insurance provides limited cover once you leave hospital. Expenses may possibly run up to thousands* per month. • ElderShield (ESH) can help - BUT is it enough? * Refer to slide 8. This presentation is based solely on product information provided by Aviva Ltd and does not have regard to the specific investment objectives, financial situation and needs of any particular person. The standard terms and conditions of this plan are provided in, and is qualified in its entirety, by the relevant policy contract. This information is confidential and is strictly for internal circulation only and is not to be reproduced, in whole or in part for public/external distribution to policy holders, prospects and/or any other third party for any purpose whatsoever. The information herein is correct as at presentation.Aviva//MC/MCP 9D1104.6
    • What is ElderShield? • Opt-out scheme/auto-coverage arrangement Started in 2002 – Singaporeans and PRs aged 40 with medisave accounts NTUC Income and Great Eastern Life Reform in 2007 Aviva, NTUC Income and Great Eastern Life Basic Scheme Supplementary Scheme http://www.moh.gov.sg/mohcorp/hcfinancing.aspx?id=310 This presentation is based solely on product information provided by Aviva Ltd and does not have regard to the specific investment objectives, financial situation and needs of any particular person. The standard terms and conditions of this plan are provided in, and is qualified in its entirety, by the relevant policy contract. This information is confidential and is strictly for internal circulation only and is not to be reproduced, in whole or in part for public/external distribution to policy holders, prospects and/or any other third party for any purpose whatsoever. The information herein is correct as at presentation.Aviva//MC/MCP 10D1104.6
    • What is ElderShield? • Severe disability benefit plan • 6 Activities of Daily Living (ADL) – Transferring, Mobility, Toileting, Washing, Dressing, Feeding • Monthly benefit is payable if unable to perform at least 3 of the 6 ADL – A fixed amount of cash benefit – Up to a fixed number of years $300 per month for 5 years or $400 per month for 6 years http://www.moh.gov.sg/mohcorp/hcfinancing.aspx?id=310 http://www.aviva.com.sg/pdf/information_booklet.pdf This presentation is based solely on product information provided by Aviva Ltd and does not have regard to the specific investment objectives, financial situation and needs of any particular person. The standard terms and conditions of this plan are provided in, and is qualified in its entirety, by the relevant policy contract. This information is confidential and is strictly for internal circulation only and is not to be reproduced, in whole or in part for public/external distribution to policy holders, prospects and/or any other third party for any purpose whatsoever. The information herein is correct as at presentation.Aviva//MC/MCP 11D1104.6
    • What is ElderShield? • Definitions of ADLs – Transferring • The ability to move from a bed to an upright chair or wheelchair and vice versa – Mobility • The ability to move indoors from room to room on level surfaces – Toileting • The ability to use the lavatory or manage bowel and bladder function through the use of protective undergarments or surgical appliance if appropriate http://www.aviva.com.sg/pdf/policy_document.pdf This presentation is based solely on product information provided by Aviva Ltd and does not have regard to the specific investment objectives, financial situation and needs of any particular person. The standard terms and conditions of this plan are provided in, and is qualified in its entirety, by the relevant policy contract. This information is confidential and is strictly for internal circulation only and is not to be reproduced, in whole or in part for public/external distribution to policy holders, prospects and/or any other third party for any purpose whatsoever. The information herein is correct as at presentation.Aviva//MC/MCP 12D1104.6
    • What is ElderShield? • Definitions of ADLs – Washing • The ability to wash in the bath or shower (including getting into and out of the bath) or wash by other means – Dressing • The ability to put on, take off, secure and unfasten all garments and, as appropriate, any braces, artificial limbs or other surgical or medical appliances – Feeding • The ability to feed oneself food after it has been prepared and made available http://www.aviva.com.sg/pdf/policy_document.pdf This presentation is based solely on product information provided by Aviva Ltd and does not have regard to the specific investment objectives, financial situation and needs of any particular person. The standard terms and conditions of this plan are provided in, and is qualified in its entirety, by the relevant policy contract. This information is confidential and is strictly for internal circulation only and is not to be reproduced, in whole or in part for public/external distribution to policy holders, prospects and/or any other third party for any purpose whatsoever. The information herein is correct as at presentation.Aviva//MC/MCP 13D1104.6
    • What is ElderShield? • Lifetime cover • Guaranteed renewable • Worldwide coverage • Paid up values on your policy • 90-day deferment period – Intended for severe disability rather than temporary and non-severe disability – Keep premiums affordable • Waiver of premiums – No premiums will be payable when the Life Assured is claiming benefits http://www.aviva.com.sg/pdf/policy_document.pdf This presentation is based solely on product information provided by Aviva Ltd and does not have regard to the specific investment objectives, financial situation and needs of any particular person. The standard terms and conditions of this plan are provided in, and is qualified in its entirety, by the relevant policy contract. This information is confidential and is strictly for internal circulation only and is not to be reproduced, in whole or in part for public/external distribution to policy holders, prospects and/or any other third party for any purpose whatsoever. The information herein is correct as at presentation.Aviva//MC/MCP 14D1104.6
    • What is ElderShield? • Premiums can be paid using Medisave or cash – Can be deducted from Medisave accounts of spouse, children, grandchildren or parents • Premiums are level and do not change with age • Premiums are inclusive of the prevailing GST1 • Male and female rates • No smoking differentiation http://www.moh.gov.sg/mohcorp/hcfinancing.aspx?id=310 1 1 http://www.moh.gov.sg/mohcorp/hcfinancing.aspx?id=356 This presentation is based solely on product information provided by Aviva Ltd and does not have regard to the specific investment objectives, financial situation and needs of any particular person. The standard terms and conditions of this plan are provided in, and is qualified in its entirety, by the relevant policy contract. This information is confidential and is strictly for internal circulation only and is not to be reproduced, in whole or in part for public/external distribution to policy holders, prospects and/or any other third party for any purpose whatsoever. The information herein is correct as at presentation.Aviva//MC/MCP 15D1104.6
    • Interim Disability Assistance Programme for the Elderly (IDAPE) • This is a government assistance scheme for needy and disabled elderly Singaporeans, who are not eligible for ElderShield because of their age or pre-existing disabilities. • Payout from IDAPE = $100 or $150 a month, for a maximum period of 72 months. • Criteria to meet to make a claim under IDAPE : – Unable to perform 3 or more of the 6 ADLs – Aged 70 and above as at 30 September 2002. If aged 40 to 69 years as at 30 September 2002, disability must occur before 30 September 2002. – Per capita monthly household income* is less than $1000. * Per capita monthly household income means the total monthly household income divided by the total number of persons in the household. http://www.moh.gov.sg/mohcorp/hcfinancing.aspx?id=312 This presentation is based solely on product information provided by Aviva Ltd and does not have regard to the specific investment objectives, financial situation and needs of any particular person. The standard terms and conditions of this plan are provided in, and is qualified in its entirety, by the relevant policy contract. This information is confidential and is strictly for internal circulation only and is not to be reproduced, in whole or in part for public/external distribution to policy holders, prospects and/or any other third party for any purpose whatsoever. The information herein is correct as at presentation.Aviva//MC/MCP 16D1104.6
    • Interim Disability Assistance Programme for the Elderly (IDAPE) • The following table outlines the benefit payout Per capita monthly household income* Monthly payout $700 and below $150 $701 - $1,000 $100 Above $1,000 Not eligible for IDAPE payout * Per capita monthly household income means the total monthly household income divided by the total number of persons in the household. http://www.moh.gov.sg/mohcorp/hcfinancing.aspx?id=312 This presentation is based solely on product information provided by Aviva Ltd and does not have regard to the specific investment objectives, financial situation and needs of any particular person. The standard terms and conditions of this plan are provided in, and is qualified in its entirety, by the relevant policy contract. This information is confidential and is strictly for internal circulation only and is not to be reproduced, in whole or in part for public/external distribution to policy holders, prospects and/or any other third party for any purpose whatsoever. The information herein is correct as at presentation.Aviva//MC/MCP 17D1104.6
    • What is ElderShield? Two versions of ElderShield plans Those who turn 40 years old from Sep 2002 Those who turn 40 years old from Sep 2007 to Aug 2007 onwards Those who turn 41 – 69 years old between Oct 2002 to Aug 2007 $300/month benefit for up to 5 years ($300/5) $400/month benefit for up to 6 years ($400/6) Option to upgrade to $400/month benefit for 6 years ($400/6) Can buy ElderShield Supplements http://www.moh.gov.sg/mohcorp/hcfinancing.aspx?id=310 This presentation is based solely on product information provided by Aviva Ltd and does not have regard to the specific investment objectives, financial situation and needs of any particular person. The standard terms and conditions of this plan are provided in, and is qualified in its entirety, by the relevant policy contract. This information is confidential and is strictly for internal circulation only and is not to be reproduced, in whole or in part for public/external distribution to policy holders, prospects and/or any other third party for any purpose whatsoever. The information herein is correct as at presentation.Aviva//MC/MCP 18D1104.6
    • What is ElderShield? • Claims Process How to make a claim… • Fill in Claim Form (Policyholder/Caregiver/Family Member) • Condition assessed by an appointed assessor • Panel of appointed assessors used by all three insurers • Consistency in claims assessment and minimize inappropriate claims • Assessor will fill up the Assessor’s Statement and return it together with the Claim form to the basic ElderShield insurer • Assessment fee paid by the policyholder Each assessment costs $25* For assessment done at the policyholder’s home, it costs $100* Successful claim Aviva reimburse the assessment fee to policyholder Insurance payout will be credited into the policyholder’s bank account 90 days after he has been certified to be severely disabled. Unsuccessful claim Policyholder pays for the cost of the assessment * Fees quoted are subject to future revisions. This presentation is based solely on product information provided by Aviva Ltd and does not have regard to the specific investment objectives, financial situation and needs of any particular person. The standard terms and conditions of this plan are provided in, and is qualified in its entirety, by the relevant policy contract. This information is confidential and is strictly for internal circulation only and is not to be reproduced, in whole or in part for public/external distribution to policy holders, prospects and/or any other third party for any purpose whatsoever. The information herein is correct as at presentation.Aviva//MC/MCP 19D1104.6
    • What is ElderShield? • Claims Process How to make a claim… • Periodic assessment of the claim • Not all cases render re-assessment Preserve the claim payments - 60 or 72 months payout Uncover any death that may occur Monitor claims experience Ensure the ElderShield scheme and premiums remain sustainable This presentation is based solely on product information provided by Aviva Ltd and does not have regard to the specific investment objectives, financial situation and needs of any particular person. The standard terms and conditions of this plan are provided in, and is qualified in its entirety, by the relevant policy contract. This information is confidential and is strictly for internal circulation only and is not to be reproduced, in whole or in part for public/external distribution to policy holders, prospects and/or any other third party for any purpose whatsoever. The information herein is correct as at presentation.Aviva//MC/MCP 20D1104.6
    • What is ElderShield? • Claims Process If disagree with the claim assessment done by claims assessor… • Request for assessment by a specialist • Assessment fee paid by the policyholder Successful claim Aviva reimburse the assessment fee to policyholder • Each assessment costs $75* • For assessment done at the policyholder’s home, it costs $150* Unsuccessful claim Policyholder pays for the cost of the assessment *Fees quoted are subject to future revisions This presentation is based solely on product information provided by Aviva Ltd and does not have regard to the specific investment objectives, financial situation and needs of any particular person. The standard terms and conditions of this plan are provided in, and is qualified in its entirety, by the relevant policy contract. This information is confidential and is strictly for internal circulation only and is not to be reproduced, in whole or in part for public/external distribution to policy holders, prospects and/or any other third party for any purpose whatsoever. The information herein is correct as at presentation.Aviva//MC/MCP 21D1104.6
    • What is ElderShield? • Claims Process If disagree with the claim assessment done by specialist… • Submit an appeal to the ElderShield Arbitration Panel set up by MOH • This panel will appoint a qualified medical practitioner to do a reassessment • Assessment fee paid by the policyholder Decision of the Arbitration Panel Final and binding on both Aviva and policyholder Successful claim Aviva reimburse the cost of this assessment to policyholder Unsuccessful claim Policyholder pays for the cost of this assessment This presentation is based solely on product information provided by Aviva Ltd and does not have regard to the specific investment objectives, financial situation and needs of any particular person. The standard terms and conditions of this plan are provided in, and is qualified in its entirety, by the relevant policy contract. This information is confidential and is strictly for internal circulation only and is not to be reproduced, in whole or in part for public/external distribution to policy holders, prospects and/or any other third party for any purpose whatsoever. The information herein is correct as at presentation.Aviva//MC/MCP 22D1104.6
    • FasterFinancial Relief MyCare & MyCare PlusElderShield Supplements
    • Why think about it…now? Severe ailments normally associated with older people, are showing up earlier in younger people.* # More than 70% of Aviva’s ** ElderShield & MyCare claims were made below the age of 55. Sources: * The Straits Times, ‘Similar for stroke cases likely in Singapore’, 11 February 2011. ** The Sunday Times, ‘Young people, old ailments’, 14 March 2010. # Aviva Claim Statistics 2007 - 2010. This presentation is based solely on product information provided by Aviva Ltd and does not have regard to the specific investment objectives, financial situation and needs of any particular person. The standard terms and conditions of this plan are provided in, and is qualified in its entirety, by the relevant policy contract. This information is confidential and is strictly for internal circulation only and is not to be reproduced, in whole or in part for public/external distribution to policy holders, prospects and/or any other third party for any purpose whatsoever. The information herein is correct as at presentation.Aviva//MC/MCP 24D1104.6
    • What would your life be like after a disability? Medical insurance provides limited cover once you leave hospital. Expenses may possibly run up to thousands* per month. ElderShield (ESH) can help - BUT is it enough? Monthly Maximum Benefit Payable Benefit over 6 years Basic ESH $400 $400/6 6 years Benefit Payout Duration * Refer to slide 8. This presentation is based solely on product information provided by Aviva Ltd and does not have regard to the specific investment objectives, financial situation and needs of any particular person. The standard terms and conditions of this plan are provided in, and is qualified in its entirety, by the relevant policy contract. This information is confidential and is strictly for internal circulation only and is not to be reproduced, in whole or in part for public/external distribution to policy holders, prospects and/or any other third party for any purpose whatsoever. The information herein is correct as at presentation.Aviva//MC/MCP 25D1104.6
    • That’s why we created... 1. Increases benefits up to $3,500 p.m* Payout when the Life Assured is 2. Extends benefits payout unable to perform at least 3 of 6 MyCare ADL even with special aids and duration up to 12 years or lifetime physical assistance of another person. NEW! Payout when the Life Assured is unable MyCare to perform at least 2 of 6 ADL even with Early Payout Plus special aids and physical assistance of another person. * Maximum allowable monthly benefit per Life Assured is $3,500 p.m., aggregated on all ElderShield Supplementary Policies purchased from Aviva (inclusive of the basic ElderShield benefit). This presentation is based solely on product information provided by Aviva Ltd and does not have regard to the specific investment objectives, financial situation and needs of any particular person. The standard terms and conditions of this plan are provided in, and is qualified in its entirety, by the relevant policy contract. This information is confidential and is strictly for internal circulation only and is not to be reproduced, in whole or in part for public/external distribution to policy holders, prospects and/or any other third party for any purpose whatsoever. The information herein is correct as at presentation.Aviva//MC/MCP 26D1104.6
    • More good reasons... MyCare Recover with failure to perform 2 ADL, continue 3 ADL to receive 50% benefit payout* MyCare Plus Faster relief payout # 2 ADL# Note: 1. Lump Sum Benefit = 3 x the first monthly benefit payable. 2. Dependant Care Benefit = Additional $200 per month up to 36 months if the Life Assured is receiving Severe Disability Benefit or Rehabilitation Benefit and has at least 1 child age 21 and below at the time of claim. 3. Death Benefit = 3 x the last monthly benefit payable for Severe Disability or Rehabilitation Benefit under MyCare or MyCare Plus, where applicable 4. Special benefits on healthcare services from participating providers. * Refer to slides 49 - 51 for illustrations. # Refer to slides 52 - 53 for illustrations. This presentation is based solely on product information provided by Aviva Ltd and does not have regard to the specific investment objectives, financial situation and needs of any particular person. The standard terms and conditions of this plan are provided in, and is qualified in its entirety, by the relevant policy contract. This information is confidential and is strictly for internal circulation only and is not to be reproduced, in whole or in part for public/external distribution to policy holders, prospects and/or any other third party for any purpose whatsoever. The information herein is correct as at presentation.Aviva//MC/MCP 27D1104.6
    • What are MyCare & MyCare Plus? • ElderShield supplements that provides more options for higher severe disability insurance coverage – For policyholders who have basic ElderShield (either $300/5 or $400/6 plan) • Opt-in scheme, not compulsory This presentation is based solely on product information provided by Aviva Ltd and does not have regard to the specific investment objectives, financial situation and needs of any particular person. The standard terms and conditions of this plan are provided in, and is qualified in its entirety, by the relevant policy contract. This information is confidential and is strictly for internal circulation only and is not to be reproduced, in whole or in part for public/external distribution to policy holders, prospects and/or any other third party for any purpose whatsoever. The information herein is correct as at presentation.Aviva//MC/MCP 28D1104.6
    • MyCare & MyCare Plus... Key Benefits 1. Pay with Medisave* or cash - to cover you and your family members** 2. Flexible - choose what suits you – Lifetime or 12-year benefit payout duration – Monthly severe disability benefit up to $3,500# (in multiples of $100) per Life Assured – Available to all ElderShield policyholders (not specific to Aviva) * Up to $600 per calendar year per Life Assured. ** Spouse, children, parents & grandparents. # Maximum allowable monthly benefit per Life Assured is $3,500 p.m., aggregated on all ElderShield Supplementary Policies purchased from Aviva (inclusive of the basic ElderShield benefit). This presentation is based solely on product information provided by Aviva Ltd and does not have regard to the specific investment objectives, financial situation and needs of any particular person. The standard terms and conditions of this plan are provided in, and is qualified in its entirety, by the relevant policy contract. This information is confidential and is strictly for internal circulation only and is not to be reproduced, in whole or in part for public/external distribution to policy holders, prospects and/or any other third party for any purpose whatsoever. The information herein is correct as at presentation.Aviva//MC/MCP 29D1104.6
    • MyCare & MyCare Plus.... Key Benefits 3. Cash when you need it most – Extra cash for up to 36 months if you have at least 1 child 21 years and below at the time of claim 4. Even more reasons to start now – Level premiums* based on entry age * Not guaranteed & may be subject to future review. This presentation is based solely on product information provided by Aviva Ltd and does not have regard to the specific investment objectives, financial situation and needs of any particular person. The standard terms and conditions of this plan are provided in, and is qualified in its entirety, by the relevant policy contract. This information is confidential and is strictly for internal circulation only and is not to be reproduced, in whole or in part for public/external distribution to policy holders, prospects and/or any other third party for any purpose whatsoever. The information herein is correct as at presentation.Aviva//MC/MCP 30D1104.6
    • More details… Key Features ElderShield MyCare MyCare Plus Plan Criteria for benefit Inability to perform at least Inability to perform at least 3 out of 6 ADL payouts 2 out of 6 ADL Up to: Benefit Payout Unlimited lifetime payout • 5 years Duration or up to 12 years (144 months) • 6 years Monthly Severe • $300 (for 5 years) $600 to $3,500* (in increments of $100) Disability Benefit • $400 (for 6 years) including basic ElderShield benefit Additional 3 times your first monthly benefit Lump Sum Benefit** Nil payout# * Maximum allowable monthly benefit per Life Assured is $3,500 p.m., aggregated on all ElderShield Supplementary Policies purchased from Aviva (inclusive of the basic ElderShield benefit). ** This benefit will only be payable once in the Policy lifetime and will be payable immediately after the Deferment Period. # Refers to monthly benefit selected less basic ElderShield monthly payout, if any. For MyCare Plus, this is regardless if there is actual payout from basic ElderShield. This presentation is based solely on product information provided by Aviva Ltd and does not have regard to the specific investment objectives, financial situation and needs of any particular person. The standard terms and conditions of this plan are provided in, and is qualified in its entirety, by the relevant policy contract. This information is confidential and is strictly for internal circulation only and is not to be reproduced, in whole or in part for public/external distribution to policy holders, prospects and/or any other third party for any purpose whatsoever. The information herein is correct as at presentation.Aviva//MC/MCP 31D1104.6
    • More details… Key Features ElderShield MyCare MyCare Plus Plan Rehabilitation 50% your monthly benefit payout# Not applicable Benefit during your recovery period Additional $200 per month up to 36 months if you Dependant Care have at least a child aged 21 years and below at the Benefit Nil time of claim Additional 3 times your last drawn monthly benefit Death Benefit* payout# Healthcare Discounts on selected healthcare services Privileges # Refers to monthly benefit selected less basic ElderShield monthly payout, if any. For MyCare Plus, this is regardless if there is actual payout from basic ElderShield. * If the Life Assured dies as a result of an accident or sickness while receiving either the Severe Disability Benefit or the Rehabilitation Benefit (applicable for MyCare only). The Policy will terminate upon the death of the Life Assured. This presentation is based solely on product information provided by Aviva Ltd and does not have regard to the specific investment objectives, financial situation and needs of any particular person. The standard terms and conditions of this plan are provided in, and is qualified in its entirety, by the relevant policy contract. This information is confidential and is strictly for internal circulation only and is not to be reproduced, in whole or in part for public/external distribution to policy holders, prospects and/or any other third party for any purpose whatsoever. The information herein is correct as at presentation.Aviva//MC/MCP 32D1104.6
    • More details… ElderShield MyCare MyCare Plus Deferment Period* 90 days from Claim Date (inclusive) where no benefit will be payable 90 days, waived for 90 days, waived for accidental causes and/or Waiting Period* accidental causes Not Applicable inability to perform more and auto cover than 2 ADL Free Look Period 60 days from date of receiving the policy document * Refer to slides 37 & 38 for more details. This presentation is based solely on product information provided by Aviva Ltd and does not have regard to the specific investment objectives, financial situation and needs of any particular person. The standard terms and conditions of this plan are provided in, and is qualified in its entirety, by the relevant policy contract. This information is confidential and is strictly for internal circulation only and is not to be reproduced, in whole or in part for public/external distribution to policy holders, prospects and/or any other third party for any purpose whatsoever. The information herein is correct as at presentation.Aviva//MC/MCP 33D1104.6
    • More details… ElderShield MyCare MyCare Plus Premiums Level but not guaranteed 1. Till 66 ANB* or for 20 years from Premium Payment Term Till 66 ANB* age of entry, whichever is later; or Lifetime 2. Lifetime Premium Payment 1. Medisave (own, spouse, parents, children or grandchildren); or Method 2. Cash GST Payable Yes Yes# Yes Entry Age 41 to 65 ANB Policy Term Lifetime Entry Age (ANB) 41 42 43 44 45 46 47 48 - 65 Premium Term 26 25 24 23 22 21 20 20 * Age Next Birthday. Note that this refers to the last premium paying age. # For ALL new applications signed and dated on/after 4 April 2011 onwards. Position on existing MyCare policies, to be confirmed. This presentation is based solely on product information provided by Aviva Ltd and does not have regard to the specific investment objectives, financial situation and needs of any particular person. The standard terms and conditions of this plan are provided in, and is qualified in its entirety, by the relevant policy contract. This information is confidential and is strictly for internal circulation only and is not to be reproduced, in whole or in part for public/external distribution to policy holders, prospects and/or any other third party for any purpose whatsoever. The information herein is correct as at presentation.Aviva//MC/MCP 34D1104.6
    • MYCARE - UNDERWRITING ACCEPT as STANDARD ACCEPT as SUB-STANDARD ( i.e. with Loading) POSTPONE DECLINEThis presentation is based solely on product information provided by Aviva Ltd and does not have regard to the specific investment objectives, financial situation and needs of any particularperson. The standard terms and conditions of this plan are provided in, and is qualified in its entirety, by the relevant policy contract. This information is confidential and is strictly for internalcirculation only and is not to be reproduced, in whole or in part for public/external distribution to policy holders, prospects and/or any other third party for any purpose whatsoever. Theinformation herein is correct as at presentation.
    • More details… Deferment Period (For ElderShield/MyCare/MyCare Plus) • Means a period of 90 days from the Claim Date (inclusive) where no benefit will be payable. • This Deferment Period shall be waived if the Life Assured suffers from a Severe Disability again arising from the same cause within 180 days from ceasing to suffer from the Severe Disability. This presentation is based solely on product information provided by Aviva Ltd and does not have regard to the specific investment objectives, financial situation and needs of any particular person. The standard terms and conditions of this plan are provided in, and is qualified in its entirety, by the relevant policy contract. This information is confidential and is strictly for internal circulation only and is not to be reproduced, in whole or in part for public/external distribution to policy holders, prospects and/or any other third party for any purpose whatsoever. The information herein is correct as at presentation.Aviva//MC/MCP 36D1104.6
    • More details… Waiting Period# (For MyCare Plus) • Means a period of 90 days from the Policy Issue Date, Policy Commencement Date or reinstatement date of the Policy, whichever is latest, where no benefit shall be payable if the Life Assured suffers from a Severe Disability unless the Severe Disability is caused by an Accident* or the Severe Disability is such that the Life Assured is unable to perform more than 2 ADL even with the aid of special equipment, and always to require the physical assistance of another person throughout the entire activity. # Please note that the Waiting Period is also applicable to basic ElderShield. Please refer to ElderShield Policy Contract for the exact terms and conditions. * Accident means an event caused solely and independently of all other causes and directly by violent, unexpected, external and visible means. This presentation is based solely on product information provided by Aviva Ltd and does not have regard to the specific investment objectives, financial situation and needs of any particular person. The standard terms and conditions of this plan are provided in, and is qualified in its entirety, by the relevant policy contract. This information is confidential and is strictly for internal circulation only and is not to be reproduced, in whole or in part for public/external distribution to policy holders, prospects and/or any other third party for any purpose whatsoever. The information herein is correct as at presentation.Aviva//MC/MCP 37D1104.6
    • More details…Exclusions • There are certain conditions whereby benefits under this plan will not be payable. These are stated as exclusions in the contract. You are advised to read the policy contract for the full list of exclusions. • Benefits under the Policy are not payable in the event of any one of the following occurrences in whole or in part: a. Intentionally self-inflicted injury, or attempted suicide whether the Life Assured is sane or insane; b. War, whether declared or undeclared; c. Alcohol abuse; or d. Drug addiction or abuse e. No benefit payments shall be made for a Pre-Existing Disability or a disability arising from Pre-Existing Conditions. This presentation is based solely on product information provided by Aviva Ltd and does not have regard to the specific investment objectives, financial situation and needs of any particular person. The standard terms and conditions of this plan are provided in, and is qualified in its entirety, by the relevant policy contract. This information is confidential and is strictly for internal circulation only and is not to be reproduced, in whole or in part for public/external distribution to policy holders, prospects and/or any other third party for any purpose whatsoever. The information herein is correct as at presentation.Aviva//MC/MCP 38D1104.6
    • More details…Termination Termination of Severe Disability Benefit • The monthly Severe Disability Benefit payments shall cease upon the earliest of: – the Life Assured ceases to suffer from the Severe Disability; – the death of the Life Assured; or – the expiry of the Benefit Payout Duration. Termination of Rehabilitation Benefit • The monthly Rehabilitation Benefit payments shall cease upon the earliest of: – the Life Assured no longer meets the requirement for the Rehabilitation Benefit; – the death of the Life Assured; or – the expiry of the Benefit Payout Duration This presentation is based solely on product information provided by Aviva Ltd and does not have regard to the specific investment objectives, financial situation and needs of any particular person. The standard terms and conditions of this plan are provided in, and is qualified in its entirety, by the relevant policy contract. This information is confidential and is strictly for internal circulation only and is not to be reproduced, in whole or in part for public/external distribution to policy holders, prospects and/or any other third party for any purpose whatsoever. The information herein is correct as at presentation.Aviva//MC/MCP 39D1104.6
    • More details…Termination Termination of Dependant Care Benefit • The monthly Dependant Care Benefit payments shall cease upon the earliest of: – the cessation of the Severe Disability Benefit or the Rehabilitation Benefit, as applicable; – the death of the Life Assured; or – the expiry of the Benefit Payout Duration This presentation is based solely on product information provided by Aviva Ltd and does not have regard to the specific investment objectives, financial situation and needs of any particular person. The standard terms and conditions of this plan are provided in, and is qualified in its entirety, by the relevant policy contract. This information is confidential and is strictly for internal circulation only and is not to be reproduced, in whole or in part for public/external distribution to policy holders, prospects and/or any other third party for any purpose whatsoever. The information herein is correct as at presentation.Aviva//MC/MCP 40D1104.6
    • More details…Termination • This Policy shall terminate on the earliest of the following events: i. the expiration of the grace period and outstanding premiums remain unpaid; ii. the death of the Life Assured; iii. if a claim has been admitted, on the expiry of the Benefit Payout Duration of the Severe Disability Benefit or the Rehabilitation Benefit, as applicable, iv. revocation, surrender or cancellation of the Policy; or v. the Basic ElderShield Policy is lapsed due to non-payment of premiums or is terminated by the Assured with the exception of the following condtions: i. If premiums for this policy has been paid before the request to terminate the basic ElderShield policy, this policy will only lapse at the next premium due date. ii. If a claim has been made under this policy, and payment for the Severe Disability or Rehabilitation Benefit are still being paid at the time the Basic ElderShield Policy is lapsed due to non-payment of premiums or is terminated by the assured. Once the claim payout ceases and the basic ElderShield Policy is no longer in force, this policy shall lapse. This presentation is based solely on product information provided by Aviva Ltd and does not have regard to the specific investment objectives, financial situation and needs of any particular person. The standard terms and conditions of this plan are provided in, and is qualified in its entirety, by the relevant policy contract. This information is confidential and is strictly for internal circulation only and is not to be reproduced, in whole or in part for public/external distribution to policy holders, prospects and/or any other third party for any purpose whatsoever. The information herein is correct as at presentation.Aviva//MC/MCP 41D1104.6
    • Competitive Analysis - MyCare Features Avivas MyCare Company A Company B $500 - $3,000 (For benefit $600 - $3,500# (in $300 - $3000 (in multiples Monthly Benefit above $2,000 it is available in multiples of $100) of $100) multiples of $500 only) Benefit payout Lifetime or up to 12 Lifetime only 10 years or Lifetime duration years Premium Term Limited or Lifetime Limited Up to 81 anb Options Level premiums* Yes Yes Yes 3 x the first monthly 3 x the first monthly 3 x the first monthly benefit Lump sum benefit benefit payout**, payable benefit payout payable in payout payable in 1 lump sum in 1 lump sum 1 lump sum # Maximum allowable monthly benefit per Life Assured is $3,500 p.m., aggregated on all ElderShield Supplementary Policies purchased from Aviva (inclusive of the basic ElderShield benefit). * Not guaranteed & may be subject to future review. ** Refers to monthly benefit selected less basic ElderShield monthly payout, if any. Source: Above is compiled by Aviva Ltd based on best knowledge. This presentation is based solely on product information provided by Aviva Ltd and does not have regard to the specific investment objectives, financial situation and needs of any particular person. The standard terms and conditions of this plan are provided in, and is qualified in its entirety, by the relevant policy contract. This information is confidential and is strictly for internal circulation only and is not to be reproduced, in whole or in part for public/external distribution to policy holders, prospects and/or any other third party for any purpose whatsoever. The information herein is correct as at presentation.Aviva//MC/MCP 42D1104.6
    • Competitive Analysis - MyCare Features Avivas MyCare Company A Company B 50% of monthly benefit A Get Well Benefit of 3 x the Rehabilitation payout* for the benefit payout monthly benefit is payable Nil benefit duration, if recover to failure upon recovery. to perform 2 ADL Dependant care 25% of monthly benefit up to $200/month up to 36 months Nil benefit** 36 month * Refers to monthly Severe Disability Benefit payable under MyCare. ** If the Life Assured has at least a child aged 21 years and below at the time of claim. Source: Above is compiled by Aviva Ltd based on best knowledge. This presentation is based solely on product information provided by Aviva Ltd and does not have regard to the specific investment objectives, financial situation and needs of any particular person. The standard terms and conditions of this plan are provided in, and is qualified in its entirety, by the relevant policy contract. This information is confidential and is strictly for internal circulation only and is not to be reproduced, in whole or in part for public/external distribution to policy holders, prospects and/or any other third party for any purpose whatsoever. The information herein is correct as at presentation.Aviva//MC/MCP 43D1104.6
    • Competitive Analysis - MyCare Features Avivas MyCare Company A Company B 3 x the last 3 x the monthly benefit is payable 3 x monthly monthly benefit in 1 lump sum Death benefit benefit payable payout, payable (If the Get Well Benefit has been paid, no Death Benefit will be payable) in 1 lump sum in 1 lump sum* Wellness Privileges Yes Nil Nil Waiver of premium Yes Yes Yes during claim * If the Life Assured dies as a result of an accident or sickness while receiving either the Severe Disability Benefit or the Rehabilitation Benefit. The Policy will terminate upon the death of the Life Assured. Source: Above is compiled by Aviva Ltd based on best knowledge. This presentation is based solely on product information provided by Aviva Ltd and does not have regard to the specific investment objectives, financial situation and needs of any particular person. The standard terms and conditions of this plan are provided in, and is qualified in its entirety, by the relevant policy contract. This information is confidential and is strictly for internal circulation only and is not to be reproduced, in whole or in part for public/external distribution to policy holders, prospects and/or any other third party for any purpose whatsoever. The information herein is correct as at presentation.Aviva//MC/MCP 44D1104.6
    • Competitive Analysis – MyCare Plus Features MyCare Plus Company B Monthly Benefit $600 - $3,500## (in multiples of $100) $300 - $3,000 (in multiples of $100) Benefit payout Lifetime or 12 years 10 years or Lifetime duration Premium Term Lifetime Up to 81anb Options Level premiums* Yes Yes 3 x the first monthly benefit payout**, 3 x the first monthly benefit payable in 1 Lump sum benefit payable in 1 lump sum lump sum Dependant care $200 p.m. up to 36 months Nil benefit# ## Maximum allowable monthly benefit per Life Assured is $3,500 p.m., aggregated on all ElderShield Supplementary Policies purchased from Aviva (inclusive of the basic ElderShield benefit). * Not guaranteed & may be subject to future review. ** Refers to monthly benefit selected less basic ElderShield monthly payout, if any. Note this is payable regardless whether there is actual payout from ElderShield policy. # If the Life Assured has at least a child aged 21 years and below at the time of claim. Source: Above is compiled by Aviva Ltd based on best knowledge. This presentation is based solely on product information provided by Aviva Ltd and does not have regard to the specific investment objectives, financial situation and needs of any particular person. The standard terms and conditions of this plan are provided in, and is qualified in its entirety, by the relevant policy contract. This information is confidential and is strictly for internal circulation only and is not to be reproduced, in whole or in part for public/external distribution to policy holders, prospects and/or any other third party for any purpose whatsoever. The information herein is correct as at presentation.Aviva//MC/MCP 45D1104.6
    • Competitive Analysis – MyCare Plus Features MyCare Plus Company B 3 x the last monthly benefit payout, 3 x the monthly benefit is Death benefit payable in 1 lump sum* payable in 1 lump sum. Wellness Privileges Yes Nil Waiver of premium Yes Yes during claim * If the Life Assured dies as a result of an accident or sickness while receiving either the Severe Disability Benefit. The Policy will terminate upon the death of the Life Assured. Source: Above is compiled by Aviva Ltd based on best knowledge. This presentation is based solely on product information provided by Aviva Ltd and does not have regard to the specific investment objectives, financial situation and needs of any particular person. The standard terms and conditions of this plan are provided in, and is qualified in its entirety, by the relevant policy contract. This information is confidential and is strictly for internal circulation only and is not to be reproduced, in whole or in part for public/external distribution to policy holders, prospects and/or any other third party for any purpose whatsoever. The information herein is correct as at presentation.Aviva//MC/MCP 46D1104.6
    • How Does It Work? MyCare What happens if the Life Assured first suffers from inability to perform 3 of 6 ADL? Assuming the Life Assured is covered under a $1,000 per month benefit plan with 12-year benefit payout duration and a $400/6 ESH plan. Note: Monthly Benefit is payable after the Deferment Period Monthly Benefit $1,000 p.m. MyCare $600 p.m. ElderShield $400 p.m. $0 Benefit Payout 3+ Duration ADL Year7 6 years 6 years 3+ ADL This presentation is based solely on product information provided by Aviva Ltd and does not have regard to the specific investment objectives, financial situation and needs of any particular person. The standard terms and conditions of this plan are provided in, and is qualified in its entirety, by the relevant policy contract. This information is confidential and is strictly for internal circulation only and is not to be reproduced, in whole or in part for public/external distribution to policy holders, prospects and/or any other third party for any purpose whatsoever. The information herein is correct as at presentation.Aviva//MC/MCP 47D1104.6
    • How Does It Work? MyCare What happens if the Life Assured first suffers from 3 ADL and then recovers with inability to perform 2 ADL? Assuming the Life Assured is covered under a $1,000 per month benefit plan with 12-year benefit payout duration and a $400/6 ESH plan. If, after receiving 6 years of claim payout, the Life Assured recovers from 3 ADL but is still unable to perform 2 ADL, he will continue to receive 50% of the Severe Disability Benefit (Rehabilitation Benefit). Note: Monthly Benefit is payable after the Deferment Period Monthly Benefit MyCare $600 p.m. $500 p.m. ElderShield $400 p.m. $0 Benefit Payout 3+ Duration ADL Year7 6 years 6 years 2 ADL This presentation is based solely on product information provided by Aviva Ltd and does not have regard to the specific investment objectives, financial situation and needs of any particular person. The standard terms and conditions of this plan are provided in, and is qualified in its entirety, by the relevant policy contract. This information is confidential and is strictly for internal circulation only and is not to be reproduced, in whole or in part for public/external distribution to policy holders, prospects and/or any other third party for any purpose whatsoever. The information herein is correct as at presentation.Aviva//MC/MCP 48D1104.6
    • How Does It Work? MyCare What happens if the Life Assured recovers with 2 ADL before cessation of the ElderShield payout? Assuming the Life Assured is covered under a $1,000 per month benefit plan with 12-year benefit payout duration and a $400/6 ESH plan. Assuming the Life Assured recovers but is still unable to perform 2 ADL at year 5. At year 5, his ESH payout will cease but he will continue to receive 50% of the Severe Disability Benefit (Rehabilitation Benefit). Note: Monthly Benefit is payable after the Deferment Period Monthly Benefit MyCare $600 p.m. $300 $500 p.m. p.m. ElderShield $400 p.m. $0 $0 Benefit Payout 3+ Duration ADL Year5 6 years 6 years 2 ADL Year7 onwards This presentation is based solely on product information provided by Aviva Ltd and does not have regard to the specific investment objectives, financial situation and needs of any particular person. The standard terms and conditions of this plan are provided in, and is qualified in its entirety, by the relevant policy contract. This information is confidential and is strictly for internal circulation only and is not to be reproduced, in whole or in part for public/external distribution to policy holders, prospects and/or any other third party for any purpose whatsoever. The information herein is correct as at presentation.Aviva//MC/MCP 49D1104.6
    • How Does It Work? MyCare Plus What happens if the Life Assured first suffers from inability to perform 2 ADL? Assuming the Life Assured is covered under a $1,000 per month benefit plan with 12-year benefit payout duration and a $400/6 ESH plan. Note: Monthly Benefit is payable after the Deferment Period Monthly Benefit 6 years 6 years $1,000 p.m. MyCare Plus $600 p.m. ElderShield $0 $0 Benefit Payout 2 Duration ADL 6 years Year7 onwards This presentation is based solely on product information provided by Aviva Ltd and does not have regard to the specific investment objectives, financial situation and needs of any particular person. The standard terms and conditions of this plan are provided in, and is qualified in its entirety, by the relevant policy contract. This information is confidential and is strictly for internal circulation only and is not to be reproduced, in whole or in part for public/external distribution to policy holders, prospects and/or any other third party for any purpose whatsoever. The information herein is correct as at presentation.Aviva//MC/MCP 50D1104.6
    • How Does It Work? MyCare Plus What happens if the Life Assured first suffers from inability to perform 2 ADL, then deteriorates to 3 ADL? Assuming the Life Assured is covered under a $1,000 per month benefit plan with 12-year benefit payout duration and a $400/6 ESH plan. Assuming his condition worsens to 3 ADL after receiving 1 year of payout from MyCare Plus, he will start receiving the payout from ESH from 2nd year of claim (1st year for ESH), in addition to the payout from MyCare Plus. Note at year 7 (6th year for ESH), he will receive a total of $1,400 per month from ESH and MyCare Plus due to claim payout from ESH starts 1 year later than MyCare Plus . 6 years 6 years Note: Monthly Benefit is Monthly Benefit payable after the Deferment Period $1,000 $600 $1,000 p.m. MyCare Plus $600 p.m. p.m. p.m. $400 ElderShield $0 $400 p.m. $0 p.m. Benefit Payout 2 Year2 Duration ADL 6 years Year7 onwards 3+ ADL for MyCare Plus This presentation is based solely on product information provided by Aviva Ltd and does not have regard to the specific investment objectives, financial situation and needs of any particular person. The standard terms and conditions of this plan are provided in, and is qualified in its entirety, by the relevant policy contract. This information is confidential and is strictly for internal circulation only and is not to be reproduced, in whole or in part for public/external distribution to policy holders, prospects and/or any other third party for any purpose whatsoever. The information herein is correct as at presentation.Aviva//MC/MCP 51 51D1104.6
    • MyCare To know they are under which basic eldershield plan...MyCare caters for policyholders in the… $400/6 basic ElderShield policy $300/5 basic ElderShield policy For details of clients basic Eldershield plans, you may: Contact Aviva Contact Centre (Advisor Hotline) - 6827 9923 - Given clients’ NRIC, we are able to check whether clients got a basic Eldershield and which scheme they are in ($300/5or $400/6) - Email client NRIC to cs_life@aviva-asia.com(max. 10 names per emai) Note: If clients have opted out of the basic Eldershield, they need to re-apply before/at the same time as MyCare application Note: Clients have to be existing Basic eldershield Policyholders first to buy MyCare. If previously opted out, they can apply Basic eldershield together with MyCare application.This presentation is based solely on product information provided by Aviva Ltd and does not have regard to the specific investment objectives, financial situation and needs of any particularperson. The standard terms and conditions of this plan are provided in, and is qualified in its entirety, by the relevant policy contract. This information is confidential and is strictly for internalcirculation only and is not to be reproduced, in whole or in part for public/external distribution to policy holders, prospects and/or any other third party for any purpose whatsoever. Theinformation herein is correct as at presentation.
    • Product Summary No more SQS required! Submission = Application Form + Product Summary (Premium Rate Booklet will be provided for reference) This presentation is based solely on product information provided by Aviva Ltd and does not have regard to the specific investment objectives, financial situation and needs of any particular person. The standard terms and conditions of this plan are provided in, and is qualified in its entirety, by the relevant policy contract. This information is confidential and is strictly for internal circulation only and is not to be reproduced, in whole or in part for public/external distribution to policy holders, prospects and/or any other third party for any purpose whatsoever. The information herein is correct as at presentation.Aviva//MC/MCP 53D1104.6
    • Sample Application Form This presentation is based solely on product information provided by Aviva Ltd and does not have regard to the specific investment objectives, financial situation and needs of any particular person. The standard terms and conditions of this plan are provided in, and is qualified in its entirety, by the relevant policy contract. This information is confidential and is strictly for internal circulation only and is not to be reproduced, in whole or in part for public/external distribution to policy holders, prospects and/or any other third party for any purpose whatsoever. The information herein is correct as at presentation.Aviva/NewAppForms D1106.1
    • Application Form This presentation is based solely on product information provided by Aviva Ltd and does not have regard to the specific investment objectives, financial situation and needs of any particular person. The standard terms and conditions of this plan are provided in, and is qualified in its entirety, by the relevant policy contract. This information is confidential and is strictly for internal circulation only and is not to be reproduced, in whole or in part for public/external distribution to policy holders, prospects and/or any other third party for any purpose whatsoever. The information herein is correct as at presentation.Aviva/NewAppForms D1106.1
    • Application Form This presentation is based solely on product information provided by Aviva Ltd and does not have regard to the specific investment objectives, financial situation and needs of any particular person. The standard terms and conditions of this plan are provided in, and is qualified in its entirety, by the relevant policy contract. This information is confidential and is strictly for internal circulation only and is not to be reproduced, in whole or in part for public/external distribution to policy holders, prospects and/or any other third party for any purpose whatsoever. The information herein is correct as at presentation.Aviva/NewAppForms D1106.1
    • Application Form This presentation is based solely on product information provided by Aviva Ltd and does not have regard to the specific investment objectives, financial situation and needs of any particular person. The standard terms and conditions of this plan are provided in, and is qualified in its entirety, by the relevant policy contract. This information is confidential and is strictly for internal circulation only and is not to be reproduced, in whole or in part for public/external distribution to policy holders, prospects and/or any other third party for any purpose whatsoever. The information herein is correct as at presentation.Aviva/NewAppForms D1106.1
    • Application Form This presentation is based solely on product information provided by Aviva Ltd and does not have regard to the specific investment objectives, financial situation and needs of any particular person. The standard terms and conditions of this plan are provided in, and is qualified in its entirety, by the relevant policy contract. This information is confidential and is strictly for internal circulation only and is not to be reproduced, in whole or in part for public/external distribution to policy holders, prospects and/or any other third party for any purpose whatsoever. The information herein is correct as at presentation.Aviva/NewAppForms D1106.1
    • Application Form This presentation is based solely on product information provided by Aviva Ltd and does not have regard to the specific investment objectives, financial situation and needs of any particular person. The standard terms and conditions of this plan are provided in, and is qualified in its entirety, by the relevant policy contract. This information is confidential and is strictly for internal circulation only and is not to be reproduced, in whole or in part for public/external distribution to policy holders, prospects and/or any other third party for any purpose whatsoever. The information herein is correct as at presentation.Aviva/NewAppForms D1106.1
    • Application Form This presentation is based solely on product information provided by Aviva Ltd and does not have regard to the specific investment objectives, financial situation and needs of any particular person. The standard terms and conditions of this plan are provided in, and is qualified in its entirety, by the relevant policy contract. This information is confidential and is strictly for internal circulation only and is not to be reproduced, in whole or in part for public/external distribution to policy holders, prospects and/or any other third party for any purpose whatsoever. The information herein is correct as at presentation.Aviva/NewAppForms D1106.1
    • Application Form This presentation is based solely on product information provided by Aviva Ltd and does not have regard to the specific investment objectives, financial situation and needs of any particular person. The standard terms and conditions of this plan are provided in, and is qualified in its entirety, by the relevant policy contract. This information is confidential and is strictly for internal circulation only and is not to be reproduced, in whole or in part for public/external distribution to policy holders, prospects and/or any other third party for any purpose whatsoever. The information herein is correct as at presentation.Aviva/NewAppForms D1106.1
    • Application Form This presentation is based solely on product information provided by Aviva Ltd and does not have regard to the specific investment objectives, financial situation and needs of any particular person. The standard terms and conditions of this plan are provided in, and is qualified in its entirety, by the relevant policy contract. This information is confidential and is strictly for internal circulation only and is not to be reproduced, in whole or in part for public/external distribution to policy holders, prospects and/or any other third party for any purpose whatsoever. The information herein is correct as at presentation.Aviva/NewAppForms D1106.1
    • Application Form This presentation is based solely on product information provided by Aviva Ltd and does not have regard to the specific investment objectives, financial situation and needs of any particular person. The standard terms and conditions of this plan are provided in, and is qualified in its entirety, by the relevant policy contract. This information is confidential and is strictly for internal circulation only and is not to be reproduced, in whole or in part for public/external distribution to policy holders, prospects and/or any other third party for any purpose whatsoever. The information herein is correct as at presentation.Aviva/NewAppForms D1106.1
    • To sum up… This presentation is based solely on product information provided by Aviva Ltd and does not have regard to the specific investment objectives, financial situation and needs of any particular person. The standard terms and conditions of this plan are provided in, and is qualified in its entirety, by the relevant policy contract. This information is confidential and is strictly for internal circulation only and is not to be reproduced, in whole or in part for public/external distribution to policy holders, prospects and/or any other third party for any purpose whatsoever. The information herein is correct as at presentation.Aviva//MC/MCP 64D1104.6
    • MyCare & MyCare Plus... Benefits options for your customers 1. MyCare 12-year payout duration 2. MyCare Lifetime payout duration 3. MyCare Plus 12-year payout duration 4. MyCare Plus lifetime payout duration This presentation is based solely on product information provided by Aviva Ltd and does not have regard to the specific investment objectives, financial situation and needs of any particular person. The standard terms and conditions of this plan are provided in, and is qualified in its entirety, by the relevant policy contract. This information is confidential and is strictly for internal circulation only and is not to be reproduced, in whole or in part for public/external distribution to policy holders, prospects and/or any other third party for any purpose whatsoever. The information herein is correct as at presentation.Aviva//MC/MCP 65 65D1104.6
    • Severe disability – no one is immune • Severe ailments normally associated with older people, are showing up earlier in younger people.* # More than 70% of Aviva’s ElderShield & MyCare claims were made below the age of 55. • Severe disability from accident / illness can happen at any age • It’s real. It happens! Are your customers prepared? Sources: * The Straits Times, ‘Similar for stroke cases likely in Singapore’, 11 February 2011. # Aviva Claim Statistics 2007 - 2010. This presentation is based solely on product information provided by Aviva Ltd and does not have regard to the specific investment objectives, financial situation and needs of any particular person. The standard terms and conditions of this plan are provided in, and is qualified in its entirety, by the relevant policy contract. This information is confidential and is strictly for internal circulation only and is not to be reproduced, in whole or in part for public/external distribution to policy holders, prospects and/or any other third party for any purpose whatsoever. The information herein is correct as at presentation.Aviva//MC/MCP 66 66D1104.6
    • © Aviva plc