facebookAIA HealthShield Gold Max Integrated Shield Plan Ratings Oct 2024

AIA HealthShield Gold Max Integrated Shield Plan

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Summary

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

...see more

Summary

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

...see more

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

Reviews (19)

4.2

19 Reviews

5
11
4
5
3
1
2
0
1
2

      Posted 11 Jul 2022

      Purchased

      AIA HealthShield Gold Max A

      Most comprehensive, but also charges the highest. Well, good things come at a premium. If you are going for this, you might as well get the rider too - this would provide you with the most comprehensive coverage pretty much available.

      0

      What are your thoughts?

      Posted 19 Mar 2022

      Purchased

      AIA HealthShield Gold Max A

      Personally i think this is the best and most comprehensive ISP out there in terms of coverage: 1. Pre and post hospitalisation period 2. Coverage for cancer 3. Coverage for critical illness And f you can afford get a rider as well, to minimise the out-of-pocket expenses

      0

      What are your thoughts?

      Posted 28 Feb 2022

      Purchased

      AIA HealthShield Gold Max A

      Overall ok. No hidden terms. Insurance coverage are fine for young ages. But sometimes customer service replies to me in delay.

      0

      What are your thoughts?

      Posted 23 Oct 2021

      Purchased

      AIA HealthShield Gold Max A

      [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

      0

      What are your thoughts?

      Posted 14 Sep 2021

      Purchased

      AIA HealthShield Gold Max A

      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:)

      0

      What are your thoughts?

      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.

      1

      What are your thoughts?

      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.

      5

      What are your thoughts?

      Can recommend me as well?

      ​

      View 4 other comments

      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?

      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

      What are your thoughts?

      08 Apr 2020

      Was so glad i got this before i gotten hospitalised for 2 weeks, around 3 years ago. The hospital bills and follow up bills will have cost a bomb without this. Claim process was also effortless done up by the agent.

      0

      What are your thoughts?

    Discussions (0)

      No Posts 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)

      β˜“

      β˜“

      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

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