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AIA HealthShield Gold Max

​​​A​ Medisave-approved Integrated Shield Plan ​consisting​ of MediShield Life and ​​private insurance coverage ​​​for private or public hospital​ treatment​.​​





Issue Age:

0 - 74 Years Old

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Check out the latest policy updates and frequently asked questions here.

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Get $50 eCapitaVoucher when you enhance your coverage with AIA Max VitalHealth

From now till 31 July 2024, get the best-rated* medical cover by experts with immediate coverage. T&Cs apply.
*SMA Integrated Shield Plan Providers' Ranking Survey 2022, published June 2023, by Singapore Medical Association.

Enhance your coverage with AIA Max VitalHealth

AIA Max VitalHealth is an optional add-on that enhances your AIA HealthShield Gold Max to help keep your out-of-pocket expenses to the minimum. If you are treated at any of our AQHP specialists or in public/restructured hospital, or if pre-authorisation is activated for treatments at non-AQHP, we will make sure that your cash outlay is capped at S$3,000/ S$6,000 (for AIA Max VitalHealth A Value) per policy year.
AIA Max VitalHealth provides these benefits:
  • Coverage for deductible and/or co-insurance, subject to co-payment
  • Immediate family members' accommodation benefit
  • Post-hospitalisation home nursing benefit
  • Post-hospitalisation alternative medicine for cancer and stroke benefit
Additional benefits for AIA Max VitalHealth A plan
  • First-in-market early detection screening benefit from age 40 onwards
  • Enjoy zero-deductible (Deductible Waiver Pass benefit) on your private hospital claim during the first policy year where such claim occurs, regardless of the doctor you consult. Read more
  • Home Palliative benefit for terminal cancer
  • Optional add-on: Emergency and Outpatient Care Booster

Are you a public service officer, employee of an AIA nominated company or a foreigner living in Singapore?

If you are a foreigner working or living here, a large medical bill can create an overwhelming financial strain, especially if corporate medical insurance does not cover medical bills on an 'as charged' basis.
That is why we've made AIA HealthShield Gold Max A and B plans available to you, so you can be assured of the same comprehensive medical benefits^ at an affordable rate for greater peace of mind while you work and live in Singapore.
  • You can check out your premium rates by using the tool below.
^ AIA HealthShield Gold Max A and B plans are not available as integrated MediSave-approved medical insurance plans should the insured be a foreigner.

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[1] "AIA Persons" refers to AIA Singapore Private Limited, its associated persons/organisations, its and their third-party service providers and its and their representatives, whether within or outside Singapore.
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Terms & conditions

  • Unlimited lifetime claim limit is subject to benefit limits, policy year limit and any other terms and conditions.
  • Please refer to the product brochure for details on the benefits described above.
  • Consultations or treatments with AIA Quality Healthcare Partners do not mean that the medical bill(s) will be claimable. Claims eligibility will be subject to the terms and conditions of the AIA HealthShield Gold Max plan.
  • Please refer to product brochure for information on co-payment.
  • Early detection screening benefit is only applicable for AIA Max VitalHealth A plan that is in-force for a minimum of 2 consecutive years.
  • The Home Palliative benefit is only applicable to AIA Max VitalHealth A/ AIA Max VitalHealth A Value plan. This benefit is only applicable for terminal cancer and the service is to be carried out by our appointed providers and the claim must be accompanied by an oncologist's referral letter.
  • AIA Vitality premium discount is only applicable to AIA Max VitalHealth. The discount is not applicable to AIA HealthShield Gold Max. Premium discount for AIA Max VitalHealth is only applicable to premiums based on a standard life. It is not applicable to any extra premiums due to loading. The Vitality premium discount is applicable from the second policy year onwards will depend on the AIA Vitality Status attained. The Vitality premium discount is capped at 15%.

This insurance plan is underwritten by AIA Singapore Private Limited (Reg. No. 201106386R) ("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 this plan, including exclusions whereby the benefits under your policy may not be paid out, are specified in the policy contract. You are advised to read the policy contract.
This is only product information provided by us. You should seek advice from a qualified adviser 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 a Medisave-approved Integrated Shield Plan that comprises MediShield Life administered by the Central Provident Fund Board and an additional private insurance coverage portion administered by AIA. When making a claim, the higher of the benefits computed under both plans will be paid. 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.
This policy is protected under the Policy Owners' Protection Scheme which is administered by the Singapore Deposit Insurance Corporation (SDIC). Coverage for your policy is automatic and no further action is required from you. For more information on the types of benefits that are covered under the scheme as well as the limits of coverage, where applicable, please contact your insurer or visit the GIA/LIA or SDIC websites (www.gia.org.sg or www.lia.org.sg or www.sdic.org.sg)
This advertisement has not been reviewed by the Monetary Authority of Singapore.
The information is correct as at 1 September 2023.