AIA HealthShield Gold Max Integrated Shield Plan
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Plans (3)
AIA 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 HealthShield Gold Max Integrated Shield Plan Review 2021
HealthShield is an AIA Integrated Shield Plan Health Insurance 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
4.1
15 Reviews
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- [Policy Changes] was an AIA agent myself, so see quite a fair bit of changes in this policy and its getting more complicated with the new rider changes, now they need pre-authorize or else can only claim up to 80% [Claims Process] it's quite easy to ask pre-authorize approval are required and most of their panel doctor know the process and can be done very fast, went for an ankle ligament restoration last year claim process for the actual hospitalisation was easy but post-hospitalisation claims must really look for agent and my agent was kinda not willing to help and I have to troubled another friend/ex-collegue of mine to help me with... He was the original writing agent of this plan before I joined the industry [Claims Documents] actually hospital period must be pre-authorised and e-file post one just scan a copy of the receipt and pass to your agent will do
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What are your thoughts?Reply
- Be sure to check your plan ranking that u have before picking the ward, plan A gives the hospitalised person more choices as to which ward to go in, dont shortchange yourself on comfort when falling ill or hospitalised if possible! Plan early:)
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- the original agent moved on, and my account was passed to a younger and newer agent. He didn't know what to do, and I had to keep asking questions for clarity. I injured my ACL when I only had MAX C plan - with the minimum coverage. So everything was messy and in a state of flux then... TBH, I was frustrated with the new agent (nothing personal) - but In that kind of situation, you'd want someone who knows the policy best and help guide you around. Through that process, I got most of my answers from my agent friend instead. So of course, I changed the agent after the surgery, and upgraded to MAX A as it was an easier transition since I had an injury that required a surgery + hospitalisation...
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What are your thoughts?Reply
- 10 Jun 2021
Purchased
AIA HealthShield Gold Max A
Would not recommend applying for health insurance coverage from AIA Singapore if you've had covid before. They will not cover you, no matter how easy it was for you to manage or how healthy you are. I have a resting heart rate in the high 40's, a Vo2 max above 50, have very healthy sleep, exercise very frequently, often running 5-10 kms. I'm in very fit condition. It did not matter to them. They wanted me to provide a physician's notice that I've recovered and not suffering from lingering issues, which is absolutely ridiculous. No physician does that. Moreover, the general public health guidance everywhere in the world, except Singapore, is that you isolate and recover, rather than going to a hospital for treatment. I provided all of my testing history, including serology reports confirming I have antibodies; one of my serology tests was even issued by the Ministry of Health. I even offered to run whatever tests they wanted to prove my condition. For a global insurance company, their lack of knowledge on how to deal with applicants who have had covid before was appalling...a sort of run away from the problem approach instead of working with it.0
What are your thoughts?Reply
- [Agent Responsiveness] The application process was a breeze. The agent was very responsive and helpful to address all queries [Insurance Coverage] From what I can see, AIA has a very comprehensive coverage for my needs. It also nicely complements my employer insurance.
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What are your thoughts?Reply
- 25 Aug 2020
Purchased
AIA 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.4
2 more comments
Hi Jesalin, may i know if you also bought the rider for your hospitalisation insurance and if you recommend it for a 27 yo like me? Thank you.
Jesalin Thian
12 Mar 2021
Level 4·B2B Marketing Associate at Seedly
Hey Sabrina, yes I purchased a rider! Thank you for your question, but I'm certainly not qualified to share about insurance matters :( You may drop me an email at [email protected] and I can link you up with my insurance agent/the right personnel from there! :)
What are your thoughts?Reply
- 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..
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What are your thoughts?Reply
- 22 Jul 2020
Purchased
AIA 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
What are your thoughts?Reply
- [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.
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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$1,000,000 | S$300,000 |
Hospitalisation and Surgical Benefits | as charged | as charged | as charged |
Pre-hospitalisation Benefits |
| As Charged within 180 days before confinement | As Charged within 100 days before confinement |
Post-Hospitalisation Benefits |
| As Charged within 180 days after confinement | As Charged within 100 days after confinement |
Outpatient Treatment | 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:
- AIA Max Vital Health A - for Private hospitals, standard room and below
- AIA Max Vital Health B - for Public hospital, A class ward and below
- 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 |
| ☓ | ☓ |
For AIA Max VitalHealth A, you can choose if you want the optional booster - emergency and outpatient care booster. This booster contains:
- Emergency Outpatient Treatment due to Accident Benefit + Post A&E Treatment- up to $2,000 per policy year
- Ambulance Service Benefit - $250 per confinement, per treatment
- Outpatient Treatment for Hand, Food and Mouth Disease (HFMD) & Dengue Fever - $300 per policy year
- 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
Contact us at [email protected] should you require any assistance or spot any inaccuracies
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