As the medical landscape continues to evolve, we remain committed to providing you access to quality healthcare. With this in mind, we are revising the AIA HealthShield Gold (HSG) Max policy benefits with effect from 1 October 2025, upon policy purchase or renewal.
Summary of updates
We will be making the following changes to AIA HealthShield Gold Max (AIA HSG Max) plans and riders with effect from 1 October 2025 (new purchase and upon policy renewal):
| Revisions | AIA HSG Max A1 | AIA HSG Max B1 | AIA HSG Max B Lite |
|---|---|---|---|
| Outpatient and home-based treatments benefit NEW | ✓ | ✓ | ✓ |
| Cell, tissue and gene therapy benefit2 REVISED | ✓ | ✓ | ✓ |
| Limit per policy year REVISED | No change | ✓ | No change |
| Pre-hospitalisation and post-hospitalisation benefits REVISED | No change | ✓ | No change |
| Premium revisions | ✓
Also applies to riders
(see below) |
✓
Also applies to rider
(see below) |
No change |
| Revisions | AIA Max VitalHealth A / A Value & AIA Max VitalCare riders
|
AIA Max VitalHealth B rider
|
AIA Max VitalHealth B Lite rider |
| Non-listed cell, tissue and gene therapy benefit NEW | ✓ | ✓ | ✓ |
| Outpatient cancer care benefits REVISED | No change | ✓ | ✓ |
| Home palliative care benefit EXTENDED | No change | ✓ | Not covered |
| Premium revisions | ✓
Only applies to AIA Max A Cancer Care Booster, AIA Max VitalHealth A and AIA Max VitalCare
|
✓
|
No change |
1 Also applies to AIA HSG Max Special A & B.
2 Will exclude any cell, tissue and gene therapy treatments that are not listed on the Cell, Tissue and Gene Therapy Product List.
2 Will exclude any cell, tissue and gene therapy treatments that are not listed on the Cell, Tissue and Gene Therapy Product List.
(1) Changes to your AIA HSG Max to align with MediShield Life's (MSHL) changes
To align with MSHL changes, which the Ministry of Health of Singapore (MOH) has introduced in April 2025, we will be making the following changes to your AIA HSG Max (A/B/B Lite) policy:
(a) Outpatient and home-based treatments benefit NEW
Your policy will cover selected outpatient and home-based treatments and medical care provided in an outpatient setting or in your home at up to 2X the MSHL limits:
| Treatments | MSHL Limits | HSG Max A | HSG Max B | HSG Max B Lite |
|---|---|---|---|---|
| Home ventilation and respiratory support service (HRVSS) | S$840 per month
|
S$1,680 per month | ||
| Negative pressure wound therapy (NPWT) | S$120 per day | S$120 per day | ||
| Repetitive transcranial magnetic stimulation (rTMS) | S$120 per treatment session | S$240 per treatment session | ||
| Pasteurised donated human milk (PDHM) | S$85 per day | S$85 per day | ||
| Hyperbaric oxygen therapy (HBOT) | S$780 per treatment session
|
S$780 per treatment session | ||
| Outpatient parenteral antibiotic therapy (OPAT) | S$90 per day | S$180 per day | ||
This new benefit gives you access to more convenient care options beyond acute hospital setting.
The insured does not need to be hospitalised for this benefit to apply. No deductible applies to the eligible expenses covered for this benefit, but you do have to pay co-insurance.
(b) Cell, tissue and gene therapy treatment benefit REVISED
Your policy will only cover clinically- and cost-effective cell, tissue and gene therapy treatments which are listed under the Cell, Tissue and Gene Therapy Product List (CTGTP treatment) developed by MOH.
This benefit will only cover up to S$250,000 per indication per lifetime for each listed CTGTP treatment as shown in the schedule of benefits of the policy documents (Kymriah & Yescarta).
(c) Coverage for high-cost drug treatments REVISED
Your policy will only cover high-cost drug treatments used for the medical conditions indicated on the MSHL, which are assessed to be clinically- and cost-effective by MOH (listed on the MSHL's benefit schedule), under the current terms and conditions of your policy.
(d) The following treatments will not be covered under your AIA HSG Max policy (including Standard, Max C & Plan 1 (FR) plans):
- Cell, tissue and gene therapy treatments that are not listed under the Cell, Tissue and Gene Therapy Product List (non-listed CTGTP treatments); and
- High-cost drugs treatments used for the medical conditions indicated under MSHL, which are not listed on the MSHL's benefit schedule. This website may be updated from time to time.
If you have the following plans, there will be additional revision to your coverage:
- AIA HSG Max Plan 1 (FR) plan: All cell, tissue and gene therapy treatments will not be covered.
(2) Added coverage for your AIA Max VitalHealth (A/B/B Lite) and AIA Max VitalCare riders.
(a) Non-listed cell, tissue and gene therapy benefit NEW
With the changes on cell, tissue and gene therapy on your basic plan, your rider will provide coverage for cell, tissue and gene therapy treatment not listed on the Cell, Tissue and Gene Therapy Product List (non-listed CTGTP treatments).
The benefit will cover up to S$150,000 per indication per lifetime for each non-listed CTGTP treatment, subject to a co-insurance of 10% for every claim, without a co-payment and co-payment cap.
(b) Increased coverage for 'Outpatient cancer care benefit' for AIA Max VitalHealth B and B Lite REVISED
We will increase the limits under this benefit for outpatient cancer drug treatment and services to:
| Before 1 Oct 2025 | From 1 Oct 2025 | |
|---|---|---|
| Cancer drug treatment on the Cancer Drug List | 10x MSHL limits
|
16x MSHL limits
|
| Cancer drug services | 8x MSHL limits
|
10x MSHL limits
|
| Cancer drug treatment not on the Cancer Drug List | S$50,000 per policy year
|
S$100,000 per policy year
|
The adjusted limits will also apply to multiple primary cancers coverage as well.
(3) Enhanced coverage to your AIA HSG Max B policy
(a) Limit per policy year for treatments under an AIA preferred provider REVISED:
We will increase the limit per policy year up to S$1,200,000 for all hospitalisation (including outpatient treatments) provided by, or under, an AIA preferred provider within the same policy year.
The annual limit of S$1,000,000 will continue to apply to all other claims.
(b) Pre-hospitalisation and post-hospitalisation benefit for hospitalisation treatments under a public hospital REVISED:
To encourage the usage of public hospitals, we will be extending the coverage period for hospitalisation treatment under a public hospital:
| Type of hospitalisation treatment | Before 1 Oct 2025 | From 1 Oct 2025 |
|---|---|---|
| Pre-hospitalisation benefit | Within 180 days before hospitalisation
(applies to all hospitals) |
Public hospital: Within 12 months before hospitalisation
|
Private hospital: Within 100 days before hospitalisation
|
||
| Post-hospitalisation benefit (Post-hospitalisation treatment) | Within 180 days after hospitalisation (applies to all hospitals)
|
Public hospital: Within 12 months after hospitalisation
|
Private hospital: Within 100 days after hospitalisation
|
The coverage for treatments under a private hospital will also be revised as shown above.
(c) Introducing 'Home palliative care benefit' to AIA Max VitalHealth B rider :
To provide support for terminally ill patients who need to receive care in the comfort of their home, we will be introducing 'Home palliative care benefit' to AIA Max VitalHealth B rider, up to S$10,000 per month, with a lifetime limit of S$30,000.
(4) Premium revision to AIA HSG Max A & B and its riders
We will be revising the premium rates from 1 October 2025 to the following plans and riders:
- AIA HSG Max A (or Special A)
- AIA Max VitalHealth A
- AIA Max VitalCare
- AIA Max A Cancer Care Booster
- AIA HSG Max B (or Special B)
- AIA Max VitalHealth B
The revised premium rates reflect the increase in healthcare cost and claims arising from advancement in medical technologies, medical inflation and changes to the medical landscape.
For existing customers, the revised premium rates will apply on the policy anniversary from 1 October 2025.
There is no change to the premium rates for AIA Max VitalHealth A Value and Emergency and Outpatient Care Booster.
Please refer to the FAQ for more information.
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