Have you ever wondered how you'd manage unexpected expenses if you were hospitalized? Even with a comprehensive health insurance plan, there are often hidden costs that can add up quickly. That's where AIA Hospital Income comes in - an affordable complement to your existing health coverage that provides daily cash benefits during your hospital stay . Let's dive deep into what this plan offers and how it can provide you with peace of mind.
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AIA Hospital Income is a specialized insurance plan designed to provide financial support during hospitalization. It offers a daily cash allowance that you can use for any purpose - whether it's to cover additional medical expenses, alternative therapies, or even to replace lost income while you're away from work. The key feature of this plan is its flexibility; you decide how to use the money based on your specific needs.
Receive a fixed amount every day you're hospitalized, ranging from S$100 to S$300 per day, depending on your chosen plan.
If you need intensive care, your daily benefit triples , providing up to S$750 per day.
A lump sum payment (S$200 to S$400) to help with your recovery after discharge.
Continue receiving daily benefits (S$50 to S$150) for up to 5 days after you return home.
Even if you don't stay overnight, you're covered for day surgeries with a one-time payment of S$200 to S$500.
Starting from less than S$0.85 per day for comprehensive coverage.
Potential premium discounts of up to 15% as you improve your health.
| Age | What suggestion covers | Premium |
|---|---|---|
| 25, Female making $5,091.667 a month | Not provided |
AIA Hospital Income offers three plans with increasing levels of coverage:
Daily Hospital Income: S$100/day
ICU Income: S$300/day
Get Well Benefit: S$200
Post-hospitalization Home Rest: S$50/day
Day Surgery Income: S$200
Daily Hospital Income: S$200/day
ICU Income: S$450/day
Get Well Benefit: S$300
Post-hospitalization Home Rest: S$100/day
Day Surgery Income: S$350
Daily Hospital Income: S$300/day
ICU Income: S$750/day
Get Well Benefit: S$400
Post-hospitalization Home Rest: S$150/day
Day Surgery Income: S$500
The annual premium for AIA Hospital Income depends on your age and the plan you choose. Here's a breakdown of the costs (including 8% GST):
It's important to note that these premium rates are not guaranteed and may change over time.
| Age Group | Annual Premium Range |
|---|---|
| Ages 1 to 30 | S$306.84 to S$708.56 |
| Ages 31 to 40 | S$317.94 to S$731.77 |
| Ages 41 to 50 | S$354.28 to S$809.49 |
| Ages 51 to 55 | S$396.67 to S$924.56 |
| Ages 56 to 60 | S$537.98 to S$1,280.85 |
| Ages 61 to 65 | S$830.69 to S$2,014.65 |
| Ages 66 to 70 | S$1,027.51 to S$2,529.42 |
| Ages 71 to 73 | S$1,332.33 to S$3,285.42 |
| Ages 74 to 75 | S$1,614.95 to S$3,964.71 |
| Ages 76 to 81 (renewal only) | S$2,135.77 to S$5,162.80 |
| Ages 82 to 84 (renewal only) | S$2,795.88 to S$6,760.59 |
If you're already covered under the AIA HealthShield Gold Max plan, you're in luck! You can enjoy a 20% discount on your AIA Hospital Income premiums . This makes the plan even more affordable for those who already trust AIA with their health insurance needs.
This integration not only helps you save money but also encourages you to take proactive steps towards better health, potentially reducing your risk of hospitalization in the first place.
Join AIA Vitality: When you sign up for AIA Hospital Income, you can also join the AIA Vitality program.
Improve Your Health: AIA Vitality provides tools and benefits to help you make healthier choices in your daily life.
Earn Vitality Status: As you engage in healthy activities, you earn points and improve your Vitality status.
Get Discounts: The higher your Vitality status, the more you save on your AIA Hospital Income premiums - up to 15% off!
John, age 35, needs to undergo a day surgery for a minor procedure. With Plan 2, he receives: Day Surgery Income Benefit: S$350. This helps cover his transport costs and a day's lost wages.
Sarah, age 45, is involved in a car accident and spends 3 days in ICU, followed by 7 days in a regular ward. With Plan 3, she receives: ICU Income (3 days): S$2,250, Daily Hospital Income (7 days): S$2,100, Get Well Benefit: S$400, Post-hospitalization Home Rest (5 days): S$750. Total Benefit: S$5,500 . This substantial sum helps Sarah focus on her recovery without worrying about financial strain.
Tom, age 60, has diabetes and requires periodic hospital stays for management. During a 5-day stay, with Plan 1, he receives: Daily Hospital Income (5 days): S$500, Get Well Benefit: S$200, Post-hospitalization Home Rest (5 days): S$250. Total Benefit: S$950. This extra cash helps Tom cover his additional medical supplies and follow-up appointments.
Flexible cash benefit you can use as needed
Covers both long hospital stays and day surgeries
Additional benefits for ICU stays and post-hospitalization recovery
Affordable premiums, especially for younger age groups
Potential for premium discounts through AIA Vitality
No medical check-up required for application
Premiums increase significantly with age
Coverage amount may not be sufficient for very long hospital stays
Premium rates are not guaranteed and may increase over time
Check with AIA for any waiting periods that may apply, especially for pre-existing conditions.
Typically, you can upgrade your plan at policy renewal, subject to underwriting.
Like most insurance policies, there will be certain exclusions. Always read the policy contract carefully.
Contact AIA as soon as possible after your hospitalization. They will guide you through the claim process.
Yes, AIA Hospital Income is designed to complement your existing health insurance coverage.
AIA Hospital Income offers a simple yet effective way to provide additional financial support during hospital stays. Its flexible cash benefit allows you to focus on recovery without worrying about extra expenses or lost income . With its integration with AIA Vitality, it also encourages and rewards healthier living, potentially reducing your risk of hospitalization in the first place.
However, as with any insurance decision, it's crucial to carefully consider your personal needs, existing coverage, and financial situation. While AIA Hospital Income can provide valuable support, it's not a replacement for comprehensive health insurance.
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 hospital income insurance. 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 needs. Don't leave your financial health to chance – get the expert advice you deserve today.
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Read the complete transcript of our expert discussion about AIA Hospital Income. This detailed analysis covers key features, benefits, and important considerations for potential policyholders.
Okay, let's get into this. So, imagine this—you've just landed that first proper job here in Singapore. Feeling good, maybe finally pu
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