AIA HealthShield Gold Max

Medical Protection

Period

Term

Issue Age

0 - 74 years old

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S$

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AIA APPOINTED REPRESENTATIVE

What This Product Is About

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 Teladoc Health Personal Case Management provide you with a complete healthcare solution for greater protection.

What Does It Provide?

HIGH ANNUAL CLAIM LIMIT

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.
LONGEST PRE- AND POST- HOSPITALISATION COVERAGE IN THE MARKET

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.
GUARANTEED LIFETIME COVERAGE AND UNLIMITED CLAIMS

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.

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.

Holistic Healthcare Solutions Just For You

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.

With our comprehensive healthcare partner network, quality medical care is always within reach.

GP CONSULTATIONS

Receive on-demand video consultation in the comfort of your own home with WhiteCoat, and have your medication delivered to you in as quickly as 90 minutes.

Learn More

SPECIALIST CONSULTATIONS

Consult any of our AIA Quality Healthcare Partners.

Our dedicated medical concierge team will help you book an appointment to secure a consultation within 3 working days.

Learn More

PERSONAL CASE MANAGEMENT

For serious medical conditions, receive medical advice on your diagnosis and treatment options from a panel of over 50,000 leading global specialists under Teladoc Health and get personalised support and guidance from their case management team through to recovery.

Learn More

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 also 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

AIA Vitality

Better Choice, Better Health

Make the choice towards better health than before with AIA Vitality, one of the most comprehensive wellness programmes in Singapore. Through a wide spectrum of tools and benefits that target different aspects of your health, AIA Vitality supports you to make positive behavioural changes that improve your overall wellness. Besides physical health, AIA Vitality also takes care of your financial health with exclusive insurance benefits that you can enjoy on selected AIA plans and riders. Enjoy additional insurance coverage (also known as PowerUp Dollar) or premium discounts on a range of AIA protection and long-term savings plans. The higher your Vitality status, the more you’ll have to look forward to – so boost your insurance needs with AIA Vitality today!

How AIA Vitality works with your plan

Take charge of your financial health with a Vitality-integrated AIA Max VitalHealth and enjoy premium discount for the plan. As you get healthier and improve your AIA Vitality status, you will enjoy greater discounts of up to 15% – which means coverage for you at lower costs! So, the higher your AIA Vitality status, the more you save!

Learn More
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 is suitable for you.

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

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

Foreigners

FIND THE RIGHT PLAN FOR YOURSELF AND YOUR LOVED ONES

GET IN TOUCH

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Are you an existing AIA Singapore customer?*

Drop us a question here:

By providing your personal data and submitting this form, you consent to the collection, use, disclosure, processing and retention of your personal data by AIA Persons^[1] , for purposes of addressing your enquiry ("Purpose"), in accordance with AIA Personal Data Policy (Singapore) . You also consent to being contacted by AIA Persons^[1] via your provided contact details^[2] for such Purpose.

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.

² If you have provided your mobile number, we will contact you via voice call and/or text message (e.g. SMS/MMS). If you have provided your email address, we will contact you via email.

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THE FINE PRINT

the terms and conditions at a glance

WhiteCoat consultation fee excludes GST, medication or delivery charges (where applicable).
Unlimited claims 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.
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.
Please refer to product brochure for information on co-payment.
The Home Palliative benefit is only applicable to AIA Max VitalHealth A 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.

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

Early detection screening benefit is only applicable for AIA Max VitalHealth A plan that is in-force for a minimum of 2 consecutive 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 Vitality premium 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.

10 months waiting period for pregnancy complications benefit that covers 28 pregnancy complications.
10 months waiting period for congenital abnormalities benefit to be payable for the female insured’s biological child.
24 months waiting period for benefits to be payable 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.

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 July 2022.

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AIA HealthShield Gold Max

Term

0 - 74 years old

S$

AIA APPOINTED REPRESENTATIVE

What This Product Is About

What Does It Provide?

HIGH ANNUAL CLAIM LIMIT

LONGEST PRE- AND POST- HOSPITALISATION COVERAGE IN THE MARKET

GUARANTEED LIFETIME COVERAGE AND UNLIMITED CLAIMS

insurance lingo explained

Holistic Healthcare Solutions Just For You

GP CONSULTATIONS

SPECIALIST CONSULTATIONS

PERSONAL CASE MANAGEMENT

ENHANCE YOUR COVERAGE WITH AIA MAX VITALHEALTH