There are certain conditions such as pre-existing conditions, for which no benefits will be payable. Please refer to the policy contract for the full list of exclusions. Some of these exclusions may be covered under MediShield Life.

The ambulance service benefit is payable only when the ambulance transportation is incurred due to an emergency condition arising from an illness/accidental injury that requires confinement or an accidental injury that requires emergency outpatient treatment.

Early detection screening benefit only applicable for AIA Max VitalHealth A plans that are inforce for a minimum of 2 years.

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. Discount applicable from the second policy year onwards will depend on the AIA Vitality Status attained. The discount is capped at 15%.

A minimum period of time called the waiting period must have passed between policy issue date or reactivated date and diagnosis before a claim can be made. Different conditions have different waiting periods as outlined below. You may refer to the policy contract for further details.    

• There is a waiting period of 10 months for pregnancy complications - ectopic pregnancy, pre-eclampsia or eclampsia, disseminated intravascular coagulation (DIC), miscarriage (after 13 weeks of pregnancy), acute fatty liver pregnancy and choriocarcinoma, hydatidiform mole and postpartum haemorrhage requiring hysterectomy.
• There is a waiting period of 10 months for congenital abnormalities benefits paid for the female insured’s biological child.
  
• There is a waiting period of 24 months for benefits paid to an insured who is a living organ donor. The recipient of the organ must be first diagnosed with organ failure after the waiting period.