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AIA HealthShield Gold incorporates the reformed MediShield to provide
comprehensive lifetime medical coverage of up to $5,100,000 (including $100,000 Extra Cancer Benefit).
You can use your CPF Medisave to pay your premium, up to $800 per person per year. However, if you are 81 age next birthday and above from 1 December 2008, you can use up to $1,150 from your CPF Medisave Account per policy year for every person covered. Any excess premium can be paid in cash.
AIA HealthShield Gold Essential is designed to enhance AIA HealthShield Gold Plan A and, together with AIA Pink of Health, provides you with comprehensive medical health coverage.
The deductible is the portion of costs you are liable for before any benefits are payable and is applied to the claimable amount, not the total bill amount. The claimable amount is calculated based on the schedule of benefit limits for AIA HealthShield Gold Plan A.
The deductible applies on a policy year basis. Once the total claimable amount for claims arising within the same policy year exceeds the deductible, the deductible will not apply to further claims arising within the same policy year. No deductible is applied for outpatient claims.
Co-insurance is the fixed percentage you are liable for in excess of the deductible and is applied to both inpatient and outpatient claims. For AIA HealthShield Gold Plan A, the co-insurance is 10%.
The premium for AIA HealthShield Gold is based on your age next birthday. To determine your premium,
please click here to see the Annual Premium table.
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