Does the claims-based pricing approach form Prudential applies to AIA HEALTHSHIELD GOLD MAX?

Hey there! It is my personal opinion that riders are indeed quite a good addition to a shield plan, so it is most definitely worth it in the long term! Given that you dont have any pre-existing conditions, I would reccomend that you look into getting a better shield plan. Prushield currently runs on claims based pricing, meaning that premiums will increase the following year if you make a claim! Unfortunate AIA and a other companies will be adopting this method of pricing for their shield plans in the coming months as well (https://www.businesstimes.com.sg/banking-financ...), so its best to do your research or ask your agent! I'm an independent agent myself so I can given an unbiased opinion the various company's products and which steps you can take, but of course it's ultimately up to you! Hope this helps and thanks for reading :)

No, there is no claims-based pricing for AIA HealthShield Gold Max, nor its rider AIA Max VitalHealth.

In other words, a single claim from your own healthcare insurance will not cause your renewal premium to multiply.

Besides, I will suggest you to look into the rider option as this is where the medical bill gets complicated. Let me link you to an article for more details.

More Details:

Should I buy Rider for Integrated Shield Plan in Singapore

All things considered, you may wish to evaluate your needs and options, Thereafter, choose a plan that you are comfortable to make a claim, without worrying for the next few years each time.

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