- Max. Annual Coverage Limit
- S$2,000,000
- Pre-Hospitalisation Benefit
- 100 days
- Post-Hospitalisation Benefit
- 100 days
- Max. Annual Coverage Limit
- S$2,000,000
- Pre-Hospitalisation Benefit
- 100 days
- Post-Hospitalisation Benefit
- 100 days
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AIA Singapore offers a total of 11 types of insurance for individuals and businesses, namely life, medical, hospitalisation, personal accident, critical illness insurance, and more. Below, you will find an overview of each type of insurance. When choosing your first health insurance, you will want to look at Integrated Shield Plans (IPs) which will complement your MediShield Life health insurance provided by the government, offering you coverage for hospitalisation bills, including any related pre- and post-hospitalisation treatments' bills.
AIA HealthShield Gold Max is a MediSave-approved Integrated Shield Plan (IP) with 4 different tiers – A, B, B Lite, and Standard – which grants you access to varying benefits, coverage limits, ward classes in public and private hospitals. An IP serves to supplement the medical and hospitalisation coverage that Singapore citizens and Permanent Residents (PRs) have from the mandatory MediShield Life health insurance offered by Singapore’s Ministry of Health (MOH).
Hospital Wards | Annual Coverage Limit | |
---|---|---|
Plan A | Private hospitals (Standard rooms and below) | S$2,000,000 (AIA preferred hospitals), S$600,000 (non-AIA preferred hospitals) |
Plan B | Public hospitals (Class A wards and below) | S$450,000 |
Plan B Lite | Public hospitals (Class B wards and below) | S$300,000 |
Standard | Public hospitals (Class B1 wards and below) | S$150,000 |
What is an IP rider plan? What is a hospital rider? A rider in health insurance basically refers to an add-on plan that you can purchase to supplement your current plan with more benefits, extend and boost your existing healthcare and medical coverage, or to bridge any healthcare gaps that you may have in your existing plan. AIA currently only offers 1 Integrated Shield Plan Rider called the AIA Max VitalHealth. Below, the benefits of the AIA Max VitalHealth rider along with some things you should take note of:
When you are filing an insurance claim, it basically means that you, the policyholder, is submitting a request to your insurance company to reimburse you for the medical bills you have paid for at the clinic or hospital. What sets a health insurance provider apart from another is the reliability, and convenience of the claims system.
Benefits | Exclusions | |
---|---|---|
AIA-Preferred Doctors and Clinics | The first exclusion you need to note is your choice of doctor, clinic, or hospital. AIA has preferred healthcare providers for the HealthShield Gold Max, called the AIA Quality Healthcare Partners (AQHP). Some medical treatments may not be claimable or may have lower claim limits if you visit a non-AQHP provider. | |
Surgical Procedures | Surgeries that are not listed in the Ministry of Health’s Table of Surgical Procedures will not be covered by any of the AIA HealthShield Gold Max insurance plans. | |
13-month Pre- and Post-Hospitalisation Benefit | You are only eligible if your actual hospitalisation stay was in one of AIA’s preferred hospitals as stated in the AIA Quality Healthcare Partners (AQHP) list which you can access via your AIA account online or via the AIA mobile app. | |
Extended Post-Hospitalisation for 30 Critical Illnesses | You are not eligible if you have claimed over 200 days under the “Post-Hospitalisation 7 Treatment Benefit” after you have been discharged from your hospitalisation stay. | |
Pregnancy Complications | Only 26 pregnancy complications will be covered by this plan, including ectopic pregnancy, eclampsia, miscarriage, haemorrhage, still birth, gestational diabetes, and more. You will find the full list in your policy’s terms and conditions in fine print. | |
30 Critical Illnesses Benefit | Of the 37 critical illnesses listed in the Life Insurance Association Singapore’s standard framework published in 2019, AIA HealthShield Gold Max does not cover 7 of them – Major Head Trauma, Progressive Scleroderma, Persistent Vegetative State (Apallic Syndrome), Systemic Lupus Erythematosus with Lupus Nephritis, Other Serious Coronary Artery Disease, Poliomyelitis, and Loss of Independent Existence. |
The AIA HealthShield Gold Max A offering coverage for private hospital wards and treatments offers the best value of its class, with most medical treatments’ coverage listed as “As Charged”, including coverage for 26 pregnancy complications and congenital abnormalities for newborns (for female insured individuals), and outpatient radiotherapy, chemotherapy, and immunotherapies. To maximise your AIA HealthShield Gold Max A insurance plan, it is best to add-on the AIA Max VitalHealth rider to lower your co-insurance payment from 10% to 5% (capped at S$3,000 per policy year), and enjoy other benefits such as early detection screenings, immediate family members’ accommodation in the hospital, post-hospital alternative medicine and nursing coverage.