mycare slides

Faster Financial Relief

MyCare and MyCare Plus

Long 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

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 D1104.6

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.

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?

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

– HP: 8282 8971

– Office: 6321 7764

– Email: daniel_goh@aviva-asia.com

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)

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!

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

Trained Home CaregiverMin $750 p.m., depending on services3

Doctor’s visits Up to $220 per visit 4

Doctor’s visits Up to $220 per visit

Medical Expenses Depending on conditions

Rehabilitation Equipment, home modifications, physiotherapy, supplies like napkins, etc

Depending on conditions

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.

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”).

FeedingWashing Transferring

MobilityToiletingDressing

What would your life be like after a disability?

• ElderShield (ESH) can help - BUT is it enough?

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.

NTUC Income and Great Eastern Life

Started in 2002

Reform in 2007

What is ElderShield?

• Opt-out scheme/auto-coverage arrangement–Singaporeans and PRs aged 40 with medisave accounts

Aviva, NTUC Income and Great Eastern Life

Basic Scheme Supplementary Scheme

http://www.moh.gov.sg/mohcorp/hcfinancing.aspx?id=310

• 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

• 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 $400 per month for 6 yearsor

http://www.aviva.com.sg/pdf/information_booklet.pdf

• 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

• 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

or medical appliances

– Feeding• The ability to feed oneself food after it has been prepared and

made available

• 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

• 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

1 1 http://www.moh.gov.sg/mohcorp/hcfinancing.aspx?id=356

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

– 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.

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.

Two versions of ElderShield plans

Those who turn 40 years old from Sep 2002 to Aug 2007

Those who turn 41 – 69 years old between Oct 2002 to Aug 2007

Those who turn 40 years old from Sep 2007 onwards

$300/month benefit for up to 5 years ($300/5) $400/month benefit for up to 6 years ($400/6)

Can buy ElderShield Supplements

Option to upgrade to $400/month benefit for 6 years ($400/6)

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

• Claims Process

• 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 policyholderInsurance 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.

How to make a claim…

• Periodic assessment of the claim• Not all cases render re-assessment

• Claims Process

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

If disagree with the claim assessment done by claims assessor…

• Request for assessment by a specialist

Successful claim � Aviva reimburse the assessment fee to policyholder

• Each assessment costs $75*

• Claims Process

• 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

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

• Claims Process

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

Faster Financial Relief

MyCare & MyCare Plus ElderShield 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 madebelow 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.

What would your life be like after a disability?

ElderShield (ESH) can help - BUT is it enough?

Monthly Benefit

Medical insurance provides limited cover once you leave hospital. Expenses may possibly run up to thousands* per month.

Maximum Benefit Payable over 6 years

Benefit

$400Basic ESH

$400/6

Benefit Payout Duration

6 years

over 6 years

* Refer to slide 8.

That’s why we created...

MyCare

Payout when the Life Assured is unable to perform at least 3 of 6 ADL even with special aids and physical assistance of another

person.

1. Increases benefits up to

$3,500 p.m*

2. Extends benefits payout

duration up to 12 years

or lifetime

Payout when the Life Assured is unable to perform at least 2 of 6 ADL even with special aids and physical assistance of

another person.

Early PayoutMyCare Plus

* 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).

More good reasons...

MyCare Plus

2 ADL#

MyCare

3 ADLRecover with failure to perform 2 ADL, continue

to receive 50% benefit payout*

Faster relief payout #

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.

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

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

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).

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.

More details…

Key Features

PlanElderShield MyCare MyCare Plus

Criteria for benefit payouts

Inability to perform at least 3 out of 6 ADLInability to perform at least 2 out of 6 ADL

Up to:

• 5 years

• 6 years

Unlimited lifetime payout

or up to 12 years (144 months)

Monthly Severe • $300 (for 5 years) $600 to $3,500* (in increments of $100)

Monthly Severe Disability Benefit

• $300 (for 5 years)

• $400 (for 6 years)

$600 to $3,500* (in increments of $100)

including basic ElderShield benefit

Lump Sum Benefit** NilAdditional 3 times your first monthly benefit 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.

More details…

Key Features

PlanElderShield MyCare MyCare Plus

Rehabilitation Benefit

50% your monthly benefit payout#

during your recovery period Not applicable

Dependant Care Benefit

Additional $200 per month up to 36 months if you have at least a child aged 21 years and below at the time of claim

Death Benefit*Additional 3 times your last drawn monthly benefit payout#

Healthcare Privileges

Discounts on selected healthcare services

# 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.

More details…

ElderShield MyCare MyCare Plus

Deferment Period* 90 days from Claim Date (inclusive) where no benefit will be payable

Waiting Period*90 days, waived for accidental causes

and auto coverNot Applicable

90 days, waived for accidental causes and/or inability to perform more

than 2 ADL

and auto coverthan 2 ADL

Free Look Period 60 days from date of receiving the policy document

* Refer to slides 37 & 38 for more details.

More details…

ElderShield MyCare MyCare Plus

Premiums Level but not guaranteed

Premium Payment Term

Till 66 ANB*1. Till 66 ANB* or for 20 years from

age of entry, whichever is later; or2. Lifetime

Lifetime

Premium Payment Method

1. Medisave (own, spouse, parents, children or grandchildren); or 2. Cash

GST Payable Yes Yes# Yes

Entry Age 41 to 65 ANB

Policy Term Lifetime

* 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.

Entry Age (ANB) 41 42 43 44 45 46 47 48 - 65

Premium Term 26 25 24 23 22 21 20 20

MYCARE - UNDERWRITING

ACCEPT as STANDARD

ACCEPT as SUB-STANDARD ( i.e. with Loading)

POSTPONE

DECLINE

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.

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

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.

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;

Assured is sane or insane;b. War, whether declared or undeclared;c. Alcohol abuse; ord. Drug addiction or abusee. No benefit payments shall be made for a Pre-Existing Disability or a

disability arising from Pre-Existing Conditions.

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 expiry of the Benefit Payout Duration

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;

• 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:

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.

Competitive Analysis - MyCare

Features Aviva's MyCare Company A Company B

Monthly Benefit$600 - $3,500# (in multiples of $100)

$500 - $3,000 (For benefit above $2,000 it is available in

multiples of $500 only)

$300 - $3000 (in multiples of $100)

Benefit payout duration

Lifetime or up to 12 years

Lifetime only 10 years or Lifetime

Premium Term Options

Limited or Lifetime Limited Up to 81 anb

Level premiums* Yes Yes Yes

Lump sum benefit3 x the first monthly

benefit payout**, payable in 1 lump sum

3 x the first monthly benefit payout payable in 1 lump sum

3 x the first monthly benefit payout payable in

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.

Rehabilitation benefit

50% of monthly benefit payout* for the benefit payout duration, if recover to failure

to perform 2 ADL

A Get Well Benefit of 3 x the monthly benefit is payable

upon recovery. Nil

Dependant care benefit**

$200/month up to 36 months25% of monthly benefit up to

36 monthNil

* 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.

Death benefit

3 x the last monthly benefit payout, payable in 1 lump sum*

3 x the monthly benefit is payable in 1 lump sum

(If the Get Well Benefit has been paid, no Death Benefit will be payable)

3 x monthly benefit payable in 1 lump sum

Wellness Privileges Yes Nil Nil

Waiver of premium during claim

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.

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 duration

Lifetime or 12 years 10 years or Lifetime

Premium Term Options

Lifetime Up to 81anb

Level premiums* Yes Yes

Lump sum benefit3 x the first monthly benefit payout**,

payable in 1 lump sum3 x the first monthly benefit payable in 1

lump sum

Lump sum benefitpayable in 1 lump sum lump sum

Dependant care benefit# $200 p.m. up to 36 months Nil

## 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.

Competitive Analysis – MyCare Plus

Features MyCare Plus Company B

Death benefit3 x the last monthly benefit payout,

payable in 1 lump sum*3 x the monthly benefit is

payable in 1 lump sum.

Wellness Privileges Yes Nil

Waiver of premium during claim

Yes Yes

* 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.

How Does It Work?

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.

What happens if the Life Assured first suffers from inability to perform 3 of 6 ADL?

MyCare

Monthly Benefit

Note: Monthly Benefit is payable after the Deferment Period

$600 p.m.

6 yearsYear7

MyCare

$400 p.m.

6 years

3+ ADL

ElderShield

$1,000 p.m.

3+ ADL

How Does It Work?

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).

What happens if the Life Assured first suffers from 3 ADL and then recovers with inability to perform 2 ADL?

MyCare

Monthly BenefitNote: Monthly Benefit is payable after the Deferment Period

$500 p.m.

$600 p.m.MyCare

$400 p.m.

6 years

3+ ADL

ElderShield

6 years

How Does It Work?

What happens if the Life Assured recovers with 2 ADL before cessation of the ElderShield payout?

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).

MyCare

Monthly Benefit

$500 p.m.

$300 p.m.

$600 p.m.MyCare

$400 p.m.

6 years

3+ ADL

ElderShield

6 years

Year7 onwards2 ADL

How Does It Work?

What happens if the Life Assured first suffers from inability to perform 2 ADL?

MyCare Plus

6 yearsMonthly Benefit 6 years

$1,000 p.m.$600 p.m.MyCare Plus

6 years

ElderShield $0

Year7 onwards

How Does It Work?

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 .

What happens if the Life Assured first suffers from inability to perform 2 ADL, then deteriorates to 3 ADL?

6 years 6 years

MyCare Plus

Note: Monthly Benefit is

6 years

$600 p.m.

6 years 6 yearsMonthly Benefit

$400 p.m.

$1,000 p.m.

ElderShield

$600 p.m.

MyCare Plus

$1,000 p.m.

Year7 onwards for MyCare Plus

$400 p.m.

3+ ADL

� MyCare caters for policyholders in the…

� $400/6 basic ElderShield policy � $300/5 basic ElderShield policy

MyCareTo know they are under which basic eldershield plan...

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.

Product Summary

No more SQS required!Submission = Application Form + Product Summary

Submission = Application Form + Product Summary(Premium Rate Booklet will be provided for reference)

Sample Application Form

Aviva/NewAppForms D1106.1

Application Form

To sum up…

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

Severe disability – no one is immune

• Severe ailments normally associated with older people, are showing up earlier in younger people.*

• Severe disability from accident / illness can happen at any age

# 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.

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