66% of Singaporeans regard unexpected medical expenses as the biggest threat to their finances*
With AIA HealthShield Gold Max, you and your family can keep up with rapidly rising healthcare costs – with cover for your hospital expenses 'as charged'^, plus additional protection for 30 critical illnesses.
AIA HealthShield Gold Max is a comprehensive medical expense reimbursement plan. It is designed to meet most of the medical expenses you are likely to incur in public or private hospitals in Singapore. Subject to deductible and co-insurance, it offers 'as charged'^ protection against medical bills for a broad range of hospitalisation, pre- and post-hospitalisation treatments and selected outpatient treatments.
Notable Benefits at a glance
Guaranteed renewal and unlimited lifetime claims
AIA HealthShield Gold Max is guaranteed yearly renewable by payment of the annual premium before the end of grace period. It covers you for life with an unlimited lifetime claim limit (subject to a S$500,000 limit in each policy year, and any overall benefit limits).
Coverage for medical expenses
Reimburses 'as charged'^ medical expenses including daily room and board, surgery including day surgery, selected outpatient treatments, pre- and post-hospitalisation tests and services, and accidental inpatient dental treatment.
Organ transplant benefits
Covers surgical costs for full or partial organ transplant including the costs of recovering the organ from a non-living donor, and medical costs incurred by a living donor for the organ transplant surgery (subject to benefit limits). The living donor could be yourself or someone donating his/her organ to you. Surgery must be performed in a Singapore hospital.
Extra coverage for 30 critical illnesses
Provides additional claim limits and extended post-hospitalisation treatment for the 30 critical illnesses. This plan also reimburses the cost of outpatient treatments such as Chemotherapy. Ask your AIA Financial Services Consultant or authorized AIA distributor for a copy of the Product Summary for details of critical illnesses and outpatient benefits covered.
Additional benefits for women
Covers selected pregnancy complications and medical treatment for birth defects or congenital abnormalities diagnosed from birth on the biological child of the female Insured (subject to benefit limits).
Complete your cover with AIA HealthShield Gold Max Essential to enjoy medical coverage from the first dollar.
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Complement your existing medical insurance plans with AIA Health CashPlus to provide you with a cash income during hospital stays and help you cope with additional one-off expenses that may come your way.
If you are already covered by an AIA HealthShield Gold Series policy you will qualify for an automatic discount of up to 20% off the standard premiums for each benefits group included in your AIA Health CashPlus plan.
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*Source: S'poreans' top goal: Saving for retirement, The Straits Times, 11 December 2010
^Most of the benefits under AIA HealthShield Gold Max are offered on an 'as charged' basis. Limits apply to benefits not described 'as charged'. Benefits are subject to a deductible and co-insurance, if applicable. Maximum claim limit per policy year of S$500,000 is applicable.
+AIA HealthShield Gold Max premium(s) may be paid via your CPF Medisave account, subject to a total maximum withdrawal limit of S$800 per Insured per policy year (or S$1,150 per Insured per policy year if the Insured is aged 81 or above, based on attained age next birthday).
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Important Notes
- The above is a simplified description of the product features applicable to these plans and is not exhaustive. This is not a contract of insurance. The precise terms and conditions of these plans, including exclusions whereby the benefits under these plans may not be paid out, are specified in the policy contract. You are advised to read the policy contract.
- These insurance plans are underwritten by AIA Singapore Private Limited (AIA). All insurance applications are subject to AIA's underwriting and acceptance.
- This is only product information provided by us. You should seek advice from a qualified advisor if in doubt. Buying health insurance products that are not suitable for you may impact your ability to finance your future healthcare needs. You are discouraged from switching from an existing accident and/or health insurance policy to a new one without considering whether the switch is detrimental, as there may be potential disadvantages with switching. A penalty may be imposed for early policy termination and the new policy may cost more or have fewer benefits at the same cost.
- AIA HealthShield Gold Max is issued under a joint insurance arrangement with the Central Provident Fund (CPF) Board to enhance the coverage provided by MediShield. Please note that you can use your CPF Medisave account to purchase only one Medisave-approved medical insurance scheme per Insured at any one time.
- The information is correct as at 13 June 2011.
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