What is the difference between AIA VitalCare and AIA VitalHealth? Thanks!

AIA agents will tell you that AIA VitalHealth A is cheaper, don't have claims-based pricing etc, but the agents don't tell you that VitalHealth excludes the Emergency and Outpatient Care Booster, thus the cheaper price.

Basically the agents also want to meet you and upsell you more plans, while helping you to convert to VitalHealth.

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If you take the VitalHealth A & add-on the Emergency booster then it will be slightly more expensive. VitalHealth also has the Deductible waiver pass that penalises you for staying in Private hospitals, means if now you stay in a private hospital, the following year if you are going to get admitted to a private hospital again, you confirm must pay the first S$2,000, before the 5% co-payment. Your agent also might not tell you about it.

Info on VitalHealth is more available on Google.

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For VitalCare, I had a tough time digging up my past records, as I can't find info on VitalCare online. AIA very clever to hide these past info from you, so you can't compare. 😜

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VitalCare includes the Emergency and Outpatient Care benefits such as Emergency Medical Evacuation etc.

If you don't claim any hospitalisation bill under VitalCare, there's some discount. After the 15% discount, my VitalCare premiums are still cheaper than VitalHealth combined with the Emergency and Outpatient Care benefits.

The no-claims discount for VitalCare can still go up to 25% if there's no claims for 5 years or longer.

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Most AIA agents know little, but want to keep selling more investment-linked insurance plans to you, which for the agents is the highest commission plan but for us consumers, it's the worse plan ever (although it has very high "non-guaranteed returns"). If you can breakeven, then be happy already. Coz most investment-linked plans have many hidden costs, thus you likely won't get back more than your capital. Even if your investment-linked fund made 60% over the years, you could also get back lesser than the capital that you invested in. Basically still lose money even after 15 years, well that's in my past experience. If you do get back more than your capital when you cash out, then you are really lucky.

Did a quick google search.

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AiA vitalcare is basically converted from an old rider for existing aia policy holders with a private hospital plan.

the main difference is that vitalcare has claims based pricing, while vitalhealth does not.

the difference is due to the amount in daily hospital benefit as well as deductibles being covered for non panels (vitalcare); based on their old product summaries.

but unless you are an existing aia policyholder with their private hospital plan, i wouldnt bother with this as i dont think they offer vitalcare to new customers. however, if you are, do consult with your aia agent on whether to stay with vitalcare or switch to vitalhealth.

personally, i would switch to vitalhealth as there is no claims based pricing for the rider (it will be cheaper than vitalhealth but other brands are still cheaper).