AIA HealthShield Gold Max

Medical Protection

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Term

Issue Age

0 - 74 years old

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AIA APPOINTED REPRESENTATIVE

WHAT THIS PRODUCT IS ABOUT

AIA HealthShield Gold Max is a Medisave-approved integrated shield medical reimbursement plan which combines a MediShield Life component with additional private insurance coverage. The additional private insurance coverage gives you more benefits and the choice to stay in private hospitals or A/B1 Class Wards in public hospitals. You also get to enjoy exclusive access to quality private healthcare, plus a 20% discount on consultation fees with any of our private specialists under AIA Quality Healthcare Partners (AQHP).

AIA HealthShield Gold Max medical protection

Quality healthcare made accessible

CHANGES TO INTEGRATED SHIELD PLAN RIDERS

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).

HIGHEST ANNUAL CLAIM LIMIT

With a claim limit of up to $2 million, one of the highest in the market, you will have access to quality care at both public hospitals and private specialists from AQHP when you sign up for AIA HealthShield Gold Max A.
LONGEST PRE- AND POST- HOSPITALISATION COVERAGE IN THE MARKET

We understand that some illnesses may take a longer time to diagnose and recovery may include extended medical follow-ups with specialists. That’s why AIA HealthShield Gold Max A gives you up to 13 months of pre- and post-hospitalisation benefits when you seek treatment with any specialists in public hospitals or private specialists from AQHP – the longest coverage period in the market.
UNLIMITED CLAIMS AND GUARANTEED LIFETIME RENEWAL

With AIA HealthShield Gold Max, protection lasts a lifetime. You can make a claim whenever you need to.
COMPREHENSIVE COVERAGE FOR HOSPITALISATION AND TREATMENT

From hospitalisation and surgery to outpatient treatment, day surgeries performed in approved medical institutions (e.g. specialist clinics) and pre- and post-hospitalisation treatment, we have you covered. Secure an appointment with our list of preferred specialists in just 3 working days, and enjoy a 20% discount on specialist consultation fees, if it is a private specialist.
ASSURANCE & SUPPORT TO EASE YOUR WAY BACK TO HEALTH

Added Assurance with Claims Pre-Approval

For a financial peace of mind, submit your request to have your hospital/surgical bill pre-approved 3 working days before admission. Upon approval, we will issue a Letter of Guarantee and settle your pre-approved bill directly with the hospital.

Medical Concierge Services

Not sure which specialist to go to or simply need help in making a medical appointment with our specialist partners? Let our medical concierge service help make it easy for you, to access the care you need.

insurance lingo explained

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.

DO YOU WANT ADDITIONAL PEACE OF MIND?

Additional options are available for you to customise your cover to make sure it suits your individual needs.

AIA MAX VITALHEALTH

Build on your medical coverage with AIA Max VitalHealth for added security knowing that your out-of-pocket medical expenses are kept to a minimum. If you are treated at any of our AIA Quality Healthcare Partners specialists or in a public hospital, we’ve made sure that your cash outlay is limited to only 5% co-payment per claim on the eligible medical bill, capped at S$3,000 per policy year.

Exclusively for AIA HealthShield Max VitalHealth A customers only.

You’ll get to enjoy an early detection screening benefit specially tailored for you from age 40 onwards along with other extended benefits such as post-hospitalisation alternative medicine for cancer and stroke and post-hospitalisation home nursing benefits. What’s more! You can also customise your own medical coverage to complement your lifestyle with an optional Emergency and Outpatient Care Booster add-on.
MEDIX PERSONAL MEDICAL CASE MANAGEMENT

AIA has also exclusively partnered with Medix to bring our healthcare solution to the next level by providing you with personalised support from diagnosis to recovery for serious medical conditions and access to over 3,000 leading specialists from around the world.
THE HEALTHIER YOU GET, THE GREATER YOUR REWARD

Aside from making sure you have the support you need if you fall ill, we want to encourage you to take preventive steps by becoming healthier. AIA Vitality, our innovative wellness programme, helps you along your journey to good health. Enjoy a 5% discount on AIA Max VitalHealth premiums in the first year when you sign up by 31 December 2019 and up to 15% off future premiums as you get healthier with AIA Vitality.

Find out more about AIA Vitality
ARE YOU A PUBLIC SERVICE OFFICER, EMPLOYEE OF AN AIA NOMINATED COMPANY OR A FOREIGNER LIVING IN SINGAPORE?

Check out the following AIA HealthShield Gold Max plan for one that’s suitable for you:

Foreigners

Public Service Officers / Employees of AIA Nominated Companies (Foreigners)

Public Service Officers / Employees of AIA Nominated Companies (Singapore Citizens and Permanent Residents)

GET IN TOUCH

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Premium rates do not remain level throughout the life of the policy and will increase with age. Premiums are not guaranteed and are expected to be adjusted from time to time in line with our claim experience, medical inflation cost and general cost of treatment, supplies or medical services in Singapore. Do note that the premium rate generated by the Estimation Calculator is only an estimate. It does not represent the actual amount of premiums payable by you. For specific financial advice, feel free to fill up the form below and an AIA appointed representative will assist you.

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THE FINE PRINT

the terms and conditions at a glance

Unlimited claims is subject to benefit limits, policy year limit and any other terms
All the benefits described above are brief descriptions of the benefits of AIA HealthShield Gold Max A, B and B Lite plans. You may refer to the brochure for details.
Consultations or treatments with any of the specialists from AIA Quality Healthcare Partners do not mean that the bill will be claimable. Claims eligibility will be subject to the terms and conditions of the AIA HealthShield Gold Max policy.
We will try our best to arrange an appointment with your preferred specialist within 3 working days. However, there may be times when this is only possible with an alternative specialist in the same field.

DETAILED TERMS AND CONDITIONS

- COLLAPSE + EXPAND

EXCLUSIONS

Things 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.

eligibility

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%.

WAITING PERIOD

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.

IMPORTANT NOTES

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. Protected up to specified limits by SDIC. This advertisement has not been reviewed by the Monetary Authority of Singapore.

The information is correct as at 01 April 2019.

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AIA HealthShield Gold Max

Term

0 - 74 years old

S$

AIA APPOINTED REPRESENTATIVE

WHAT THIS PRODUCT IS ABOUT

Talk To Us

Quality healthcare made accessible

CHANGES TO INTEGRATED SHIELD PLAN RIDERS

what does it provide?

HIGHEST ANNUAL CLAIM LIMIT

LONGEST PRE- AND POST- HOSPITALISATION COVERAGE IN THE MARKET

UNLIMITED CLAIMS AND GUARANTEED LIFETIME RENEWAL

COMPREHENSIVE COVERAGE FOR HOSPITALISATION AND TREATMENT

ASSURANCE & SUPPORT TO EASE YOUR WAY BACK TO HEALTH

insurance lingo explained

DO YOU WANT ADDITIONAL PEACE OF MIND?

AIA MAX VITALHEALTH

MEDIX PERSONAL MEDICAL CASE MANAGEMENT

THE HEALTHIER YOU GET, THE GREATER YOUR REWARD

ARE YOU A PUBLIC SERVICE OFFICER, EMPLOYEE OF AN AIA NOMINATED COMPANY OR A FOREIGNER LIVING IN SINGAPORE?

Interested to know the estimated premium needed for this product?

what is your Residential Status?

Are you a dependent of Singapore Citizen/PR?