Certain illnesses and accidents are more prevalent among children than adults, so AIA Star Shield has been designed to offer enhanced protection for your precious little ones. This plan should not be considered as an alternative to a basic medical expense reimbursement plan (such as AIA HealthShield Gold Max), but provides additional protection against such incidents as Hand, Foot & Mouth Disease, Dengue Fever, Food Poisoning, and 17 Child Critical Illnesses (an optional benefit). The plan also offers cash payouts in the event of accidental death or dismemberment, and provides an educational bursary in the event of accidental death of the parent policyholder.
Benefits
AIA Star Shield offers you three flexible plans to choose from. The benefits shown below represent coverage provided under AIA Star Shield plan 3 which provides a basic Insured Amount of S$35,000 for Accidental Death or Dismemberment.
Coverage for Accidental Death or Dismemberment
In the event of an accident which results in Accidental Death or Dismemberment the plan pays out a percentage of the S$35,000 Insured Amount, up to 150% (i.e. up to S$52,500). Payouts for accidents of this type may be doubled (i.e. up to S$105,000) if the accident occurs during school activities, or as a result of a traffic accident where the Insured is a pedestrian or a passenger on public transportation.
Receive reimbursement for your child’s medical expenses
Should your child require medical treatment due to accident, Hand, Foot & Mouth Disease, Dengue Fever, or Food Poisoning you may claim reimbursement for medical expenses incurred within a year from the date of the accident or diagnosis of disease up to a maximum of S$3,500.
Additional daily cash upon hospitalisation
The plan also provides a payout of S$80 a day for up to 180 days in the event your child is hospitalised due to Accident or upon diagnosis of a Disease. The benefit payable is doubled for up to 30 days should your child be admitted to Intensive Care Unit.
Monthly cash allowance to care for your child
If your child should suffer a Catastrophic Disability1 due to injury within 180 days from the date of an accident, you may receive S$1,500 per month for up to 20 years to help you cope with the additional costs of caring for your loved one. This benefit is payable after six consecutive months of disability.
Education Assurance
The plan provides your child with an educational bursary benefit of S$20,000 in the event of the accidental death of the parent policyholder before the child’s 21st birthday (or 24th birthday in the event the child is studying full time at a recognised institution of Higher Learning).
Optional coverage for 17 Critical Illnesses
Enhance your child’s protection with Child Critical Illness coverage of S$10,000. Child Critical Illness benefit is payable as a lump sum upon diagnosis. Your child will remain eligible to receive this benefit until he or she reaches 21 years of age.
*Source: MOH website – Accidents, poisoning and violence are the leading cause of hospitalization in Singapore as measured by number of discharges 2008.
1Catastrophic Disability includes any of the following conditions: a) Coma, b) Paralysis, c) Loss of or the irrevocable total loss of use of two limbs, d) Irrevocable total loss of sight of both eyes, e) Loss of or the irrevocable total loss of use of one limb and irrevocable total loss of sight of one eye.
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Important Notes
This insurance plan is underwritten by AIA Singapore Private Limited (AIA). All insurance applications are subject to AIA's underwriting and acceptance.
This is not a contract of insurance. The precise terms and conditions of the policy including exclusions whereby the benefits under your plan will not be paid out, are specified in the policy contract. You are advised to read the policy contract.
You are discouraged from switching from an existing accident and/ or health insurance policy 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 less benefit at the same cost.
Most of the benefits of this policy will be payable upon the occurance of an accident.
The information in correct as at May 2009.
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