Hospital

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

Coverage:
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
Premium:
$786.97
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35, Male making $6,416.667 a month

Coverage:
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
Premium:
$1,255.76
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24, Male making $5,833.333 a month

Coverage:
Premium:
$1,313.16
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25, Female making $3,786 a month

Coverage:
hospital ward
Private wards
Premium:
Not provided
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32, Female making $6,666.667 a month

Coverage:
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
Premium:
$1,600
Read More
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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.

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Why people were suggested AIA Healthshield Gold Max

zee
zee, 35
GenderMale
Monthly Income$6,416.667
Insurance Types Suggested
  • Hospital
Why HealthShield Gold Max A was suggested:
The HealthShield Gold Max A plan is recommended as it provides comprehensive coverage for private hospital wards and includes valuable riders like VitalHealth A to cap out-of-pocket expenses, Cancer Care Booster for enhanced cancer treatment coverage, and Emergency and Outpatient Care Booster for ambulance services and outpatient treatment benefits. With no known medical conditions, this plan offers peace of mind with its high policy limit and extensive benefits.
Jon
Jon, 24
GenderMale
Monthly Income$5,833.333
Insurance Types Suggested
  • Hospital
  • Critical Illness
  • Term Life
Why HealthShield Gold Max was suggested:
The HealthShield Gold Max hospital plan is recommended to provide Jon with comprehensive medical coverage, including pre- and post-hospitalization benefits, coverage for congenital conditions, high policy limits, and additional riders for cancer treatment and emergency outpatient care. As a young individual without existing coverage, this plan ensures Jon has access to quality healthcare services and financial protection against high medical costs.