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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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.
Up to S$2 million coverage per policy year with AIA HealthShield Gold Max A. Unlimited lifetime claim amount.
Up to 13 months of pre and post-hospitalization benefits (longest in the market!)
Up to S$100,000 additional coverage for 30 critical illnesses per policy year
Covers congenital abnormalities with no waiting period
Available from age 40 onwards with AIA Max VitalHealth A
Optional coverage for multi-stage dementia with AIA Max VitalHealth A
| 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 |
AIA HealthShield Gold Max offers three plan types: A, B, and B Lite. Here's a simplified breakdown:
Covers room and board, ICU stays, surgical procedures, and more. "As Charged" coverage for many benefits , subject to policy year limit.
Covers treatments and consultations before and after your hospital stay
Covers 28 pregnancy-related complications
Up to S$60,000 per transplant for Plan A
Up to S$5,000 per policy year for Plan A
Covers various cancer treatments, kidney dialysis, and more
Reduces your out-of-pocket expenses for hospital bills
Immediate family member accommodation, post-hospitalization alternative medicine for cancer and stroke, post-hospitalization home nursing
Colonoscopy for age 50 and above (once every 10 years), Mammogram for women aged 40-69 (once every 2 years)
Emergency outpatient treatment due to accidents, ambulance services, treatment for hand, foot, and mouth disease and dengue fever
The coverage amount depends on the plan you choose. For AIA HealthShield Gold Max:
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).
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):
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.
Get premium discounts of up to 15% when you maintain a high AIA Vitality status
Access video consultations with Singapore-registered doctors for a flat fee of S$12
Receive personalized medical advice and support from Teladoc Health (for certain plans)
Access a network of over 380 specialist doctors with at least 5 years of experience
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.
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.
If you experience complications during pregnancy: 28 pregnancy-related complications are covered, and both mother and child are protected.
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
Premiums increase with age
Some benefits have sub-limits or are subject to co-payment
The most comprehensive plans can be relatively expensive
Yes, but there are withdrawal limits. Any excess must be paid in cash.
There's coverage for emergency overseas treatment, subject to certain conditions.
Generally, pre-existing conditions are not covered. However, some may be covered under MediShield Life.
Yes, but it may be subject to underwriting and waiting periods for new benefits.
AIA Vitality members can enjoy premium discounts of up to 15% based on their Vitality status.
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.
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Read the complete transcript of our expert discussion about AIA Healthshield Gold Max. This detailed analysis covers key features, benefits, and important considerations for potential policyholders.
Welcome back to the deep dive. We've got some really interesting material here today, and we're diving into something super practical, especi
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