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Introduction
In today's unpredictable world, having comprehensive health insurance is crucial for financial security and peace of mind. While many Singaporeans have basic hospitalization coverage, unexpected expenses can still arise during a hospital stay. AIA Hospital Income is an innovative solution designed to complement your existing health insurance plan. This affordable product provides daily cash benefits during hospitalization, helping you cover additional costs and focus solely on your recovery. With premiums starting from less than S$0.85 per day, AIA Hospital Income offers a cost-effective way to enhance your financial protection against unforeseen medical events.
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Key Features
AIA Hospital Income offers a range of features designed to provide comprehensive support during hospitalization. From daily cash benefits to coverage for intensive care and post-hospitalization care, this plan ensures you have financial assistance when you need it most. Let's explore the key features that make AIA Hospital Income an excellent complement to your existing health insurance.
Daily Hospital Income
Receive daily cash benefits during your hospital stay. Choose from three plans offering S$100, S$200, or S$300 per day, depending on your needs and budget.
Intensive Care Coverage
Enhanced benefits for intensive care unit stays. Receive up to S$750 per day (Plan 3) when admitted to the ICU, providing extra financial support during critical times.
Get Well Benefit
One-time payout upon discharge. Receive a lump sum of S$200, S$300, or S$400 (depending on your plan) to help with recovery expenses.
Post-hospitalization Care
Extended support after discharge. Enjoy up to 5 days of post-hospitalization home rest benefits, ranging from S$50 to S$150 per day based on your chosen plan.
Day Surgery Coverage
Benefits for outpatient procedures. Receive a daily benefit of S$200, S$350, or S$500 for day surgeries, ensuring coverage even for non-overnight hospital stays.
Benefits
AIA Hospital Income goes beyond basic hospitalization coverage to offer a comprehensive suite of benefits. These additional features are designed to provide you with holistic protection and support throughout your healthcare journey. Let's explore the unique benefits that set AIA Hospital Income apart from other insurance products.
AIA Vitality Integration
Rewards for healthy living. Enjoy premium discounts of up to 15% by improving your AIA Vitality status, encouraging and incentivizing a healthier lifestyle.
Affordable Premiums
Cost-effective coverage. With annual premiums starting from S$306.84 for ages 1-30 (Plan 1), AIA Hospital Income offers accessible protection for various age groups and budgets.
Flexible Plan Options
Customizable coverage. Choose from three plans with varying benefit levels to suit your specific needs and financial situation.
Wide Age Coverage
Protection for all life stages. AIA Hospital Income is available for individuals from age 1 to 75, with renewability up to age 84, ensuring long-term coverage.
Real premiums suggested for AIA Hospital Income
Age | What suggestion covers | Premium |
---|---|---|
26, Female making $5,091.667 a month | Not elaborated | $173 annual |
Other Benefits
AIA Hospital Income offers several additional benefits that further enhance its value proposition. These features are designed to provide comprehensive support and flexibility, ensuring that you have the protection you need in various scenarios. Let's explore these additional benefits that make AIA Hospital Income a well-rounded insurance solution.
HealthShield Gold Discount
Savings for existing customers. Enjoy a 20% discount on AIA Hospital Income premiums if you're covered under an AIA HealthShield Gold Max plan, providing added value for loyal customers.
Flexible Use of Benefits
Freedom to choose. Use your daily cash allowance for alternative therapies, medication, or to replace income while you're away from work, giving you control over your benefits.
No Medical Underwriting
Easy application process. AIA Hospital Income doesn't require medical underwriting, simplifying the application process and ensuring accessibility for most individuals.
Eligibility and Application Process
AIA Hospital Income is available to Singapore residents aged 1 to 75, with the option to renew up to age 84. The application process is straightforward and doesn't require medical underwriting, making it accessible to most individuals. To apply, simply choose your preferred plan (1, 2, or 3) based on your coverage needs and budget. You can apply through an AIA Financial Services Consultant, AIA Customer Service Centre, or online through the AIA Singapore website. The policy will be effective upon approval and payment of the first premium.
Claims and Customer Service
Filing a claim with AIA Hospital Income is a simple process designed to provide quick support when you need it most. To make a claim, you'll need to submit the completed claim form along with relevant medical documents and hospital bills. Claims can be submitted online through the AIA Singapore website, via email, or at any AIA Customer Service Centre. For assistance with claims or any other inquiries, you can contact the AIA Customer Care Hotline at 1800 248 8000, available Monday to Friday from 8:45am to 5:30pm. AIA's dedicated customer service team is committed to providing prompt and helpful support throughout your policy term.
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Conclusion
AIA Hospital Income is an excellent choice for individuals seeking to enhance their existing health insurance coverage. This plan is particularly well-suited for those who want additional financial support during hospital stays, including young professionals, families, and seniors. It's also ideal for individuals who appreciate the flexibility to use their benefits as they see fit, whether for alternative therapies, medication, or income replacement. With its affordable premiums and comprehensive coverage, AIA Hospital Income provides valuable peace of mind for a wide range of Singaporeans.
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