facebookAIA HealthShield Gold Max Integrated Shield Plan Reviews and Comparison - Seedly
Seedly logo
Seedly logo
 

AIA HealthShield Gold Max Integrated Shield Plan

  • Overview
  • Reviews (12)
  • Questions (0)
  • More Details
Health Insurance/AIA HealthShield Gold Max Integrated Shield Plan
Health Insurance/AIA HealthShield Gold Max Integrated Shield Plan
claimed

Unclaimed

This product has not been claimed by the company yet.

Plans (3)

Slide 1 of 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

  • AIA 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

  • AIA 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

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

Read More about AIA HealthShield Gold Max Integrated Shield Plan
Reviews (12)

4.0

12 Reviews

  • 5
    6
  • 4
    4
  • 3
    0
  • 2
    0
  • 1
    2

Read Review About...

    Most HelpfulMost RecentLow to HighHigh to Low
      Updated 2w ago

      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

      Post

      Updated on 28 Apr 2021

      Purchased

      AIA HealthShield Gold Max A

      [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.

      0

      Post

      Updated on 28 Dec 2020
      [Insurance Coverage] The insurance which I bought for 20 years when I was young and is more likely on saving but I rather use the money on other investments than buying insurance

      0

      Post

      Updated on 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

      S.Tan

      S.Tan

      11 Mar 2021

      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

      Jesalin Thian

      12 Mar 2021

      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! :)

      Post

      Updated on 22 Jul 2020

      Purchased

      AIA 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

      Post

    Questions (0)
      Recent ActivityUnansweredTrending

      No Question Found.

      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

      Contact us at [email protected] should you require any assistance or spot any inaccuracies