Life Insurance
Protect your loved ones’ future from life’s uncertainties
{{title}}
{{label}}Medical Protection
Period
Issue Age
Currency
You can buy this via
AIA HealthShield Gold Max is a MediSave-approved Integrated Shield Plan that offers holistic healthcare solutions that take you from diagnosis to recovery.
It consists of MediShield Life and an additional private insurance coverage component that give you options to seek treatment at either private or public hospitals and stay in various ward classes to suit your medical needs and budget.
Our exclusive partnerships with WhiteCoat telemedicine, AIA Quality Healthcare Partner (AQHP) Specialists and Medix Personal Case Management provides you with a complete healthcare solution for greater protection.
AIA HealthShield Gold Max A gives you up to S$2 million claim limit per policy year so you can enjoy financial peace of mind while you focus on recovery.
You can get up to 13 months of pre- and post-hospitalisation benefit (longest in market!) with AIA HealthShield Gold Max A when you seek treatment with AQHP specialists or in public hospitals.
With AIA HealthShield Gold Max, we promise to provide you with lifetime coverage no matter what happens. Your claim limit will also reset every policy year throughout your coverage term, giving you even more protection throughout your lifetime.
What do we mean by insured?
It refers to the person whose life is covered by the policy.
What do we mean by deductible?
It is the fixed amount that you have to pay in a policy year before any policy benefits are paid out.
What do we mean by co-insurance?
It is a fixed percentage of the medical bill that you have to pay after deducting the deductible amount.
What do we mean by co-payment?
It is a fixed percentage of the medical bill, regulated by the Ministry of Health that you have to pay for, before we pay any deductible & co-insurance coverage under AIA Max VitalHealth.
We understand how tough and stressful facing an illness can be. To support you on your journey to recovery, we offer a holistic healthcare solution that is tailored for you so you can be assured that you are taken care of from diagnosis to recovery.
Our exclusive partnership with WhiteCoat lets you visit
a doctor, on-demand at your convenience.
For a flat consultation fee of $12, you can receive professional medical advice from Singapore-registered
doctors via video consultation wherever you are.
WhiteCoat doctors can also seamlessly connect you with our medical concierge service for an appointment with
our AQHP for specialist consultation if required.
Enjoy a stress-free treatment process with AIA
HealthShield Pre-authorisation and medical concierge service.
Simply submit a pre-authorisation request 3 working days before admission or surgery. Upon approval, we
will issue a Certificate of Pre-Authorisation and settle the pre-approved bill directly with the
hospital on your behalf.
Not sure which specialist to go to or just need help in making an appointment with our specialist
partners? Simply call our medical concierge service at 1800 248 8000 and we will be happy to assist you.
We have exclusively partnered Medix to provide you
with personalised support from diagnosis to recovery for serious medical conditions.
With over 3,000 leading global specialists worldwide and 24/7 hotline support in English and Mandarin,
you can be assured that access to personalised support whenever you need is just a call away.
Medix Personal Medical Case Management is exclusively available for AIA Max VitalHealth A and existing
AIA Max Essential A and A Saver customers.
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 a public hospital, we’ve made sure that your cash outlay is capped at S$3,000 per policy year.
AIA Max VitalHealth also provides these benefits:
AIA Vitality supports and motivates you every step of the way towards achieving your health goals. You will get rewarded for healthy choices and earn points when you Get Active, Eat Well and complete Health Checks!
Get 5% discount on AIA Max VitalHealth premiums in the first year when you sign up by 31 December 2020 and up to 15% discount on future premiums as you get healthier!
Find Out More
Check out the following AIA HealthShield Gold Max plan for one that is suitable for you.
Partial NRIC / Passport / FIN No.
(last 4 characters)
Date of Birth
The Ministry of Health (MOH) has announced changes to the Integrated Shield Plan (IP) riders on 7 March 2018 for all new IP riders across the industry. This is aligned with the recommendations from the Health Insurance Task Force (HITF) to encourage everyone to play a more active role in managing their medical care costs, and are part of collective efforts to ensure that healthcare and health insurance remain accessible and affordable in Singapore.
From 1 April 2019, you can sign up for AIA Max VitalHealth to enhance your AIA HealthShield Gold Max coverage and have peace of mind knowing that your out-of-pocket medical expenses are minimised.
For more information, please refer to the Frequently Asked Questions (FAQs).
Read moreThings that you won't be able to claim from this policy
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.
Early detection screening benefit is only applicable for AIA Max VitalHealth A plan that is in-force 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 reinstatement 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.
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 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 web-sites (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 October 2019.