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AIA HealthShield Gold Max and AIA Max VitalHealth: Your Comprehensive Guide to Superior Health Coverage
Are you worried about rising healthcare costs in Singapore? Did you know that medical inflation in Singapore is projected to hit 9.8% in 2024 ? With such steep increases, it's crucial to have robust health insurance coverage. AIA HealthShield Gold Max and AIA Max VitalHealth offer a comprehensive solution to protect you and your loved ones from hefty medical bills. Let's dive into what these plans offer and how they can benefit you.
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What are AIA HealthShield Gold Max and AIA Max VitalHealth?
AIA HealthShield Gold Max is an Integrated Shield Plan that enhances your basic MediShield Life coverage. It provides higher coverage limits and additional benefits to give you more comprehensive protection against medical expenses.
AIA Max VitalHealth is a complementary plan that can be added to AIA HealthShield Gold Max. It's designed to cover the deductible and co-insurance portions of your hospital bill, potentially reducing your out-of-pocket expenses to a minimum.
Key Features That Set These Plans Apart
High Coverage Limits
Up to S$2 million coverage per policy year with AIA HealthShield Gold Max A. Unlimited lifetime claim amount.
Extensive Pre and Post-Hospitalization Coverage
Up to 13 months of pre and post-hospitalization benefits (longest in the market!)
Extra Coverage for Critical Illnesses
Up to S$100,000 additional coverage for 30 critical illnesses per policy year
Congenital Abnormalities Coverage
Covers congenital abnormalities with no waiting period
First-in-Market Early Detection Screening Benefit
Available from age 40 onwards with AIA Max VitalHealth A
Dementia Coverage
Optional coverage for multi-stage dementia with AIA Max VitalHealth A
Real premiums suggested for AIA Healthshield Gold Max
25, Female making $4,500 a month
35, Male making $6,416.667 a month
24, Male making $5,833.333 a month
25, Female making $3,786 a month
32, Female making $6,666.667 a month
Age | What suggestion covers | Premium |
---|---|---|
25, Female making $4,500 a month | plan Private wards VitalHealth A Deductible and co-insurance (capped at $3k out of pocket) Cancer Care Booster: cancer drug services 10x of Medishield Life limit cancer drug treatment on CDL 16x of Medishield Life limit cancer drug treatment not on CDL $200,000 Emergency and Outpatient Care Booster: Ambulance Service Benefit $250 Outpatient for dengue and HFMD $300 Emergency Outpatient Treatment due to Accident benefit + Post A&E treatment (within 30 days after Emergency Outpatient Treatment due to Accident) $2,000 | $786.97 |
35, Male making $6,416.667 a month | main Private wards riders: VitalHealth A: deductible and coinsurance capped at $3k out of pocket Cancer Care Booster: cancer drug services 10x of Medishield Life limit cancer drug treatment on cdl 16x of Medishield Life limit cancer drug treatment not on cdl $200,000 per policy year Emergency and Outpatient Care Booster: ambulance service benefit $250/confinement outpatient for dengue and hfmd $300/policy year emergency outpatient treatment due to accident $2000/policy year | $1,255.76 |
24, Male making $5,833.333 a month | $1,313.16 | |
25, Female making $3,786 a month | hospital ward Private wards | Not provided |
32, Female making $6,666.667 a month | riders: name VitalHealth A coverage Deductible and co-insurance (capped at $3k out of pocket) name Cancer Care Booster coverage: cancer drug list 16x of Medishield Life limit for cancer drug treatment on the Cancer Drug List (CDL) cancer drug services 10x of Medishield Life limit for cancer drug services non cdl cancer treatment $200,000 per policy year for cancer drug treatment not on CDL name Emergency and Outpatient Care Booster coverage: ambulance service $250/confinement outpatient dengue hfmd $300/policy year for Outpatient for dengue and HFMD emergency outpatient accident $2000/policy year for Emergency Outpatient Treatment due to Accident benefit + Post A&E treatment (within 30 days after Emergency Outpatient Treatment due to Accident) hospital ward Private wards | $1,600 |
What Do These Plans Cover?
AIA HealthShield Gold Max offers three plan types: A, B, and B Lite. Here's a simplified breakdown:
Hospitalization and Surgical Benefits
Covers room and board, ICU stays, surgical procedures, and more. "As Charged" coverage for many benefits , subject to policy year limit.
Pre and Post-Hospitalization Treatment
Covers treatments and consultations before and after your hospital stay
Pregnancy Complications Benefit
Covers 28 pregnancy-related complications
Living Donor Organ Transplant Benefits
Up to S$60,000 per transplant for Plan A
Psychiatric Treatment Benefits
Up to S$5,000 per policy year for Plan A
Outpatient Benefits
Covers various cancer treatments, kidney dialysis, and more
AIA Max VitalHealth Benefits
Deductible and Co-insurance
Reduces your out-of-pocket expenses for hospital bills
Extended Benefits
Immediate family member accommodation, post-hospitalization alternative medicine for cancer and stroke, post-hospitalization home nursing
Early Detection Screening (for Plan A)
Colonoscopy for age 50 and above (once every 10 years), Mammogram for women aged 40-69 (once every 2 years)
Optional Emergency and Outpatient Care Booster (for Plan A)
Emergency outpatient treatment due to accidents, ambulance services, treatment for hand, foot, and mouth disease and dengue fever
How Much Coverage Do You Get?
The coverage amount depends on the plan you choose. For AIA HealthShield Gold Max:
- Plan A: Up to S$2,000,000 per policy year (Private Hospital)
- Plan B: Up to S$1,000,000 per policy year (Public Hospital A Class)
- Plan B Lite: Up to S$300,000 per policy year (Public Hospital B1 Class)
AIA Max VitalHealth helps cover the deductible and co-insurance portions, potentially reducing your out-of-pocket expenses to as low as S$3,000 per policy year (for Plan A).
How Much Does It Cost?
The premiums for these plans vary based on your age, the plan type you choose, and whether you opt for additional riders. Here's a general idea:
For AIA HealthShield Gold Max (annual premiums, inclusive of 8% GST):
- Ages 40 to 65: From S$310.65 to S$640.92
- Ages 66 to 75: From S$457.80 to S$898.16
- Ages 76 to 85: From S$675.80 to S$1,438.80
AIA Max VitalHealth premiums are additional and vary based on the plan chosen.
Remember, part of your premium can be paid using MediSave, subject to withdrawal limits.
Unique Benefits and Services
AIA Vitality Integration
Get premium discounts of up to 15% when you maintain a high AIA Vitality status
Telemedicine Services
Access video consultations with Singapore-registered doctors for a flat fee of S$12
Personal Medical Case Management
Receive personalized medical advice and support from Teladoc Health (for certain plans)
AIA Quality Healthcare Partners
Access a network of over 380 specialist doctors with at least 5 years of experience
Real-Life Scenarios
Major Illness Hospitalization
Imagine you're diagnosed with cancer and need extensive treatment. With AIA HealthShield Gold Max A and AIA Max VitalHealth A: Your hospital stay and surgical procedures would be covered, you'd have coverage for pre and post-hospitalization treatments, cancer drug treatments would be covered (including some non-CDL drugs with the Cancer Care Booster), and your out-of-pocket expenses could be as low as S$3,000 for the entire policy year.
Accidental Injury
If you have a serious accident and need emergency treatment: Emergency outpatient treatment would be covered (with the Emergency and Outpatient Care Booster), subsequent hospitalization and surgery would be covered, and you'd have coverage for follow-up treatments and rehabilitation.
Pregnancy Complications
If you experience complications during pregnancy: 28 pregnancy-related complications are covered, and both mother and child are protected.
Pros and Cons
Pros
High coverage limits
Comprehensive pre and post-hospitalization benefits
Additional critical illness coverage
Option to reduce out-of-pocket expenses significantly
Value-added services like telemedicine and personal case management
Cons
Premiums increase with age
Some benefits have sub-limits or are subject to co-payment
The most comprehensive plans can be relatively expensive
Frequently Asked Questions
Can I use MediSave to pay for these plans?
Yes, but there are withdrawal limits. Any excess must be paid in cash.
What happens if I'm hospitalized overseas?
There's coverage for emergency overseas treatment, subject to certain conditions.
Are pre-existing conditions covered?
Generally, pre-existing conditions are not covered. However, some may be covered under MediShield Life.
Can I upgrade my plan in the future?
Yes, but it may be subject to underwriting and waiting periods for new benefits.
How does the AIA Vitality program work with these plans?
AIA Vitality members can enjoy premium discounts of up to 15% based on their Vitality status.
Conclusion
AIA HealthShield Gold Max and AIA Max VitalHealth offer comprehensive health coverage that can significantly reduce your financial burden in case of illness or injury. With high coverage limits, extensive benefits, and unique features like early detection screening and personal case management , these plans provide robust protection for you and your family.
However, as with any insurance decision, it's essential to carefully consider your needs, budget, and long-term healthcare goals. While these plans offer excellent coverage, they may not be the best fit for everyone.
Ready to explore your options further? Don't rely on just one perspective. Get expert insights tailored to your unique needs. Sign up now to receive 5 expert opinions on health insurance plans. These professionals will review your specific situation and provide personalized recommendations, helping you make the most informed decision possible.
By consulting with multiple experts, you'll gain a comprehensive understanding of your options and ensure you're choosing the best coverage for your healthcare needs. Don't leave your health protection to chance – get the expert advice you deserve today.
- 👉 AIA HealthShield Gold Max and AIA Max VitalHealth: Your Comprehensive Guide to Superior Health Coverage
- 👉 What are AIA HealthShield Gold Max and AIA Max VitalHealth?
- 👉 Key Features That Set These Plans Apart
- 👉 What Do These Plans Cover?
- 👉 AIA Max VitalHealth Benefits
- 👉 How Much Coverage Do You Get?
- 👉 How Much Does It Cost?
- 👉 Unique Benefits and Services
- 👉 Real-Life Scenarios
- 👉 Pros and Cons
- 👉 Frequently Asked Questions
- 👉 Conclusion
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Why people were suggested AIA Healthshield Gold Max
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- Hospital
- Critical Illness
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