AIA HealthShield Gold Max

Comprehensive health insurance plan

Get an instant 5% premium discount with AIA Vitality

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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​.​​

Currency:

S$

Period:

Term

AIA Vitality member exclusive

Up to 15% premium discount

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

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Benefits for you

No change in premiums after a claim

Get the treatment you need with confidence knowing that your premiums will not change after a claim.

High annual claim limit

​​​High coverage of up to S$2 million per policy year for greater financial assurance while you recover.​​

​​​Longest pre- and post-hospitalisation coverage in the market​​

​​​Get up to 13 months of pre- and post-hospitalisation benefit if treated by AIA preferred provider. ​​

Guaranteed lifetime coverage and unlimited claims

Enjoy lifetime coverage with your claim limit resetting every policy year throughout your coverage term.​​

Extra coverage for 30 critical illnesses

​​Up to $100,000 extra coverage per policy year and up to 200 days extended post-hospitalisation treatment.​​

Enhance your coverage with the following add-on covers:

1. AIA Max A Cancer Care Booster

Get higher coverage for outpatient cancer treatments, even for selected non-Cancer Drug List drugs and services.

2. AIA Max VitalHealth

You can add on AIA Max VitalHealth to minimise your out-of-pocket expenses regardless of the doctor you consult, including non-AIA preferred provider (with pre-authorisation), or emergency admission via Accident & Emergency (A&E) department of a hospital.  AIA Max VitalHealth provides these benefits:
 
  • Coverage for deductible and co-insurance, subject to co-payment capped as low as S$3,000 per policy year.
  • Immediate family members' accommodation benefit
  • Post-hospitalisation home nursing benefit
  • Post-hospitalisation alternative medicine for cancer and stroke benefit (including Traditional Chinese Medicine) 
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) on your first private hospital claim, regardless of the doctor you consult.
You may choose to add Emergency and Outpatient Care Booster to your AIA Max VitalHealth A and A Value plan to cover A&E outpatient treatment due to an accident, post A&E treatment and outpatient coverage for dengue fever and hand, foot, and mouth disease. 

​​Holistic healthcare solutions from preventive care to recovery​

​​We understand how tough and stressful facing an illness can be. To support you on your journey to recovery, ​AIA HealthShield Gold Max goes beyond simply being an Integrated Shield Plan. ​​
 
​​​By partnering with a comprehensive healthcare network, we offer holistic healthcare solutions tailored to your needs,​ ​all​ from preventive care to recovery.​

Preventative care

Complimentary early detection screening for colonoscopy and mammogram
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Primary care

Receive video consultations from home when you are unwell with WhiteCoat
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Primary care

Enjoy negotiated outpatient consultation rates with AIA Quality Healthcare Partners
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Pre- to Post-hospitalisation

Receive personalised medical advice from Teladoc for serious conditions
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Join AIA Vitality and enjoy an instant 5% premium discount

Add AIA Vitality to AIA HealthShield Gold Max and get a 5% premium discount for the plan and AIA Max VitalHealth, Cancer Care Booster and Emergency and Outpatient Care Booster for the first year. Keep up a healthy lifestyle and get up to 15% premium discount as you improve your AIA Vitality status. On top of that, you can enjoy exciting benefits like weekly rewards and discount on gym memberships, fitness devices, movie tickets and more. 
 
Click here to read more on AIA Vitality. 

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

For public service officer, employee of an AIA nominated company, check out the following AIA HealthShield Gold Max plan for one that is suitable for you.
 
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 MediSave-approved Integrated Shield Plan as the insured is a foreigner.

Find the right plan for you

Important Policy Updates

View all updates
26 JULY 2024

AIA HealthShield Gold Max updates for 1 September 2024 revision
23 FEBRUARY 2024

Multiple Primary Cancers Coverage under AIA HealthShield Gold Max Standard Plan
21 AUGUST 2023

Preserve your HSG Max Benefits with Shield Benefits Preserver
15 AUGUST 2023

Premium revision of VitalHealth A & VitalCare – 1 Sep 2023
12 DECEMBER 2022

Updates on Shield's coverage for cancer drug treatment

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Terms & conditions

  • Premiums are not guaranteed. We may review this from time to time or may increase with age upon renewal.
  • 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.
  • AIA preferred provider refers to any public hospital and any private medical service provider listed on this page (which may be introduced or changed by us from time to time at our discretion).
  • 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 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%.

These insurance plans are 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 these plans, including exclusions whereby the benefits under these plans may not be paid out, are specified in the policy contracts. You are advised to read the policy contracts.
 
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.
 
These policies are protected under the Policy Owners' Protection Scheme which is administered by the Singapore Deposit Insurance Corporation (SDIC). Coverage for your policies 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 25 April 2025.