AIA HealthShield Gold Max Health Insurance Reviews and Comparison - Seedly
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AIA HealthShield Gold Max Health Insurance

  • Overview
  • Reviews (9)
  • Questions (0)
  • More Details

Plans (3)

Slide 1 of 3
  • HealthShield Gold Max A

    $2,000,000
    LIMIT PER POLICY YEAR
    100 / 100 days
    PRE & POST HOSPITAL
    As Charged
    OUTPATIENT BENEFITS
    Private Hospital
    WARD ENTITLEMENT
  • HealthShield Gold Max B

    $1,000,000
    LIMIT PER POLICY YEAR
    180 / 180 days
    PRE & POST HOSPITAL
    As Charged
    OUTPATIENT BENEFITS
    A Class and Below
    WARD ENTITLEMENT
  • HealthShield Gold Max B Lite

    $300,000
    LIMIT PER POLICY YEAR
    100 / 100 days
    PRE & POST HOSPITAL
    As Charged
    OUTPATIENT BENEFITS
    B Class and below
    WARD ENTITLEMENT

    HealthShield Gold Max A

    $2,000,000
    LIMIT PER POLICY YEAR
    100 / 100 days
    PRE & POST HOSPITAL
    As Charged
    OUTPATIENT BENEFITS
    Private Hospital
    WARD ENTITLEMENT

Details

AIA Health Insurance HealthShield Gold Max Review 2020

HealthShield is an AIA Integrated Shield Plan that supplements your MediLife Shield. Here are some features of AIA HealthShield:

  • Covers hospitalisation bills in private hospitals and public hospitals up to A / B1 Class wards
  • Premiums can be paid by MediSave
  • AIA HealthShield Gold Max Plan A has the highest claim limit offered at $2 million per policy year
  • Plan A also offers up to 13 months of pre- and post-hospitalisation benefits, which is the longest duration available amongst all insurers
  • Lifetime coverage
  • The available optional add-on AIA VitalHealth offers extra coverage like early detection, and reduced out-of-pocket expenses by capping it at S$3,000 per year

Read More about AIA HealthShield Gold Max Health Insurance
Reviews (9)

4.6

9 Reviews

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  • Updated on 25 Aug 2020

    Purchased

    HealthShield Gold Max A

    [Claims Process] Filed a claim last year. The claims process was really fast - the claim was settled less than a week from the time I was discharged. [Insurance Coverage] Pleased with the coverage because I was able to choose an AIA preferred panel doctor and was able to claim up to 13 months of post-hospitalisation expenses so that gave me a peace of mind. [Customer Service] My agent, Serene, was very responsive and filed the claims quickly.
    0 comments
    0
    Post
  • Updated on 22 Jul 2020

    Purchased

    HealthShield Gold Max B

    My family of 3 is insured with AIA HS Gold Max. We have had the experience of medical claims by my wife. There are strict procedures to follow and it is never easy to make any insurance claims. Thankfully we have a good agent..
    0 comments
    0
    Post
  • Updated on 22 Jul 2020

    Purchased

    HealthShield Gold Max A

    [Customer Service] You can participate in the vitality membership to have a chance to win a $5 voucher per week or $20 month. Membership subscription is $8 per month.
    0 comments
    0
    Post
  • Updated on 08 Jul 2020

    Purchased

    HealthShield Gold Max A

    [Claims Process] [Claims Documents] [Policy Changes] Overall a great experience, especially during this year as I was hospitalized twice. Not easy to apply for claim and it took about 3 months to process the first one. In my case, as Im not a PR or Singaporean, I have to pay for the bill myself and get a refund later. So it was quite upsetting and all the tracking is manual. I had to chaise the agent on Whatsapp and he would double-check internally. The next claim went easier as they have implemented an internal portal, so now it's the agent who will submit documents on my behalf. Let's look at the speed for the second case. All the follow-up bills are usually covered, but you have to file it separately otherwise it "confuses" the department working with claims. This delayed the process a lot, but the amounts are relatively small, so it's ok. Still have no confirmation the dengue bill will be covered in full. Everything takes a bit of time and micromanagement, but reliable so far. P.S. you need to know if your doctor who worked with you in the hospital (whom I didn't choose) is AIA approved. If not, you will need to change the doctor in the middle of your treatment, as there is a risk that the claim won't be approved. Which is not convenient, as he has the knowledge of what happened to me during the hospitalization. Same with the hospitals, TTSH is not approved (so you don't know if they will refund and which part) Singapore General Hospital is approved. You only get to know these details if you ask for it beforehand, but if it's en emergency - won't work anyway.
    0 comments
    0
    Post
  • Updated on 10 Jun 2020
    [Purchase Process] Good to be able to deduct via cpf And the payment is hassle free [Customer Service] Is great via the app and via your consultant [Terms & Conditions] Gives you product summary and also a soft copy cheers
    0 comments
    0
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AIA Health Insurance HealthShield at a Glance

  • 3 tiers of HealthShield Gold Max(excluding standard), ranging from the most expensive to cheapest:
    - Plan A
    - Plan B
    and
    - Plan B Lite
  • Covers hospitalisation bills in private hospitals and public hospitals up to A / B1 Class wards
  • Premiums can be paid by MediSave
  • AIA HealthShield Gold Max Plan A has the highest claim limit offered at $2 million per policy year
  • Plan A also offers up to 13 months of pre- and post-hospitalisation benefits, which is the longest duration available amongst all insurers
  • Lifetime coverage
  • Optional rider AIA VitalHealth, available in tiers, offers extra coverage like early detection, and reduces out-of-pocket expenses by capping it at S$3,000 per year

What does AIA Health Insurance HealthShield Cover?

Benefit Parameters

HealthShield Gold Max Plan A

HealthShield Gold Max Plan B

HealthShield Gold Max Plan B Lite

Ward Entitlement

Standard Room and below, at Private hospitals

A Class ward and below, at Public Hospitals

B Class ward and below, at Public Hospitals

Policy Yearly Limit

  • S$2,000,000 if treated by AIA Preferred Providers
  • S$1,000,000

S$1,000,000

S$300,000

Hospitalisation and Surgical Benefits

as charged

as charged

as charged

Pre-hospitalisation Benefits

  • As Charged within 100 days before confinement
  • OR within 13 months if treated by AIA Preferred Providers

As Charged within 180 days before confinement

As Charged within 100 days before confinement

Post-Hospitalisation Benefits

  • As Charged within 100 days after confinement
  • OR within 13 months if treated by AIA Preferred Providers

As Charged within 180 days after confinement

As Charged within 100 days after confinement

Outpatient Treatment
(includes renal dialysis, chemotherapy, radio therapy etc)

As Charged

As Charged

As Charged

Organ Transplant

60,000 per transplant

40,000 per transplant

20,000 per transplant

Emergency Overseas Treatment

available, but subjected to respective limits

available, but subjected to respective limits

available, but subjected to respective limits

Critical Illness (up to 30 Critical Illnesses)

$100,000 per policy year

$75,000 per policy year

$50,000 per policy year

How much does AIA Health Insurance, AIA HealthShield Gold Max cost?

All premiums will increase with age, this is the approximate guideline to AIA HealthShield Health Insurance Quote based on age:

Age Next Birthday

AIA HealthShield A

AIA HealthShield B

AIA HealthShield B Lite

AIA HealthShield Standard

age 21 to 25

$191

$109

$70

$53

age 26 to 30

$247

$109

$70

$53

age 31 to 35

$300

$168

$102

$72

age 36 to 40

$334

$168

$102

$72

age 41 to 45

$754

$328

$162

$112

Add-ons and Riders for AIA Health Insurance HealthShield


AIA Max VitalHealth

AIA Max VitalHealth is an AIA health insurance rider to enhance your medical coverage and reduce your out-of-pocket expenses. There are 3 VitalHealth options available:

  1. AIA Max Vital Health A - for Private hospitals, standard room and below
  2. AIA Max Vital Health B - for Public hospital, A class ward and below
  3. AIA Max Vital Health B Lite - for Public hospital, B1 class ward and below

AIA Max VitalHealth A

AIA Max VitalHealth B

AIA Max VitalHealth B Lite

Deductible (if treated by AIA preferred Providers)

Reimburses Deductible and Co-insurance as incurred under AIA HealthShield Gold Max

Reimburses Deductible and Co-insurance as incurred under AIA HealthShield Gold Max

Reimburses Deductible and Co-insurance as incurred under AIA HealthShield Gold Max

Co-insurance (if treated by AIA preferred Providers)

Subject to 5% co-payment per claim on the eligible medical bill, capped at S$3,000 per policy year

Subject to 5% co-payment per claim on the eligible medical bill, capped at S$3,000 per policy year

Subject to 5% co-payment per claim on the eligible medical bill, capped at S$3,000 per policy year

Post-Hospitalisation Alternative Medicine Benefit for Cancer and Stroke

S$5,000 per policy year

S$3,000 per policy year

S$1,000 per policy year

Early Detection Screening Benefit

  • Colonoscopy for age 50 and above (once every 10 years)
  • Mammogram for women age 40 – 69 (once every 2 years)

For AIA Max VitalHealth A, you can choose if you want the optional booster - emergency and outpatient care booster. This booster contains:

  1. Emergency Outpatient Treatment due to Accident Benefit + Post A&E Treatment- up to $2,000 per policy year
  2. Ambulance Service Benefit - $250 per confinement, per treatment
  3. Outpatient Treatment for Hand, Food and Mouth Disease (HFMD) & Dengue Fever - $300 per policy year
  4. Emergency Medical Evacuation & Repatriation: $50,000 per policy year

Is AIA Health Insurance HealthShield the best health insurance plan for you?

How does AIA Integrated Shield Plan compare with others?

Benefits:

Price-wise, AIA offers one of the most competitive rates for Integrated Shield Plans for Private Hospitals Ward Entitlement.

AIA HealthShield Gold Max plan A offers the highest policy limit of S$2,000,000 per year. It also has the longest pre- and post-hospitalisation benefit coverages if you use their AIA panel providers.

AIA HealthShield also offers one of the largest coverages for critical illnesses for up 30 different types, up to S$100,000 per policy year.

For Class A, Class B and Standard plans at restructured hospitals, AIA HealthShield is pricier than average. If you're looking for something cheaper, you are better off opting for other plans from providers like Prudential's PRUShield Plus or NTUC Enhanced IncomeShield Advantage. But note that those other plans do not cover critical illness so extensively.

Eligibility: Who can apply for AIA Health Insurance HealthShield Gold Max?

  • Citizenship Status: Singaporeans and Permanent Residents
  • Age: up to 75 years of Age

AIA Health Insurance HealthShield Gold Max Quote

  • Visit AIA's website for more details on the coverage, exclusions, and quote