AIA HealthShield Gold Max and AIA Max VitalHealth: Your Comprehensive Guide to Superior Health Coverage

Are you worried about rising healthcare costs in Singapore? Did you know that medical inflation in Singapore is projected to hit 9.8% in 2024 ? With such steep increases, it's crucial to have robust health insurance coverage. AIA HealthShield Gold Max and AIA Max VitalHealth offer a comprehensive solution to protect you and your loved ones from hefty medical bills. Let's dive into what these plans offer and how they can benefit you.

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What are AIA HealthShield Gold Max and AIA Max VitalHealth?

AIA HealthShield Gold Max is an Integrated Shield Plan that enhances your basic MediShield Life coverage. It provides higher coverage limits and additional benefits to give you more comprehensive protection against medical expenses.

AIA Max VitalHealth is a complementary plan that can be added to AIA HealthShield Gold Max. It's designed to cover the deductible and co-insurance portions of your hospital bill, potentially reducing your out-of-pocket expenses to a minimum.

Key Features That Set These Plans Apart

High Coverage Limits

Up to S$2 million coverage per policy year with AIA HealthShield Gold Max A. Unlimited lifetime claim amount.

Extensive Pre and Post-Hospitalization Coverage

Up to 13 months of pre and post-hospitalization benefits (longest in the market!)

Extra Coverage for Critical Illnesses

Up to S$100,000 additional coverage for 30 critical illnesses per policy year

Congenital Abnormalities Coverage

Covers congenital abnormalities with no waiting period

First-in-Market Early Detection Screening Benefit

Available from age 40 onwards with AIA Max VitalHealth A

Dementia Coverage

Optional coverage for multi-stage dementia with AIA Max VitalHealth A

Real premiums suggested for AIA Healthshield Gold Max

25, Female making $4,500 a month

Coverage:

plan

Private wards

VitalHealth A

Deductible and co-insurance (capped at $3k out of pocket)

Cancer Care Booster:

cancer drug services

10x of Medishield Life limit

cancer drug treatment on CDL

16x of Medishield Life limit

cancer drug treatment not on CDL

$200,000

Emergency and Outpatient Care Booster:

Ambulance Service Benefit

$250

Outpatient for dengue and HFMD

$300

Emergency Outpatient Treatment due to Accident benefit + Post A&E treatment (within 30 days after Emergency Outpatient Treatment due to Accident)

$2,000

Premium:

$786.97

35, Male making $6,416.667 a month

Coverage:

main

Private wards

riders:

VitalHealth A:

deductible and coinsurance

capped at $3k out of pocket

Cancer Care Booster:

cancer drug services

10x of Medishield Life limit

cancer drug treatment on cdl

16x of Medishield Life limit

cancer drug treatment not on cdl

$200,000 per policy year

Emergency and Outpatient Care Booster:

ambulance service benefit

$250/confinement

outpatient for dengue and hfmd

$300/policy year

emergency outpatient treatment due to accident

$2000/policy year

Premium:

$1,255.76

24, Male making $5,833.333 a month

Coverage:

Premium:

$1,313.16

25, Female making $3,786 a month

Coverage:

hospital ward

Private wards

Premium:

Not provided

32, Female making $6,666.667 a month

Coverage:

riders:

name

VitalHealth A

coverage

Deductible and co-insurance (capped at $3k out of pocket)

name

Cancer Care Booster

coverage:

cancer drug list

16x of Medishield Life limit for cancer drug treatment on the Cancer Drug List (CDL)

cancer drug services

10x of Medishield Life limit for cancer drug services

non cdl cancer treatment

$200,000 per policy year for cancer drug treatment not on CDL

name

Emergency and Outpatient Care Booster

coverage:

ambulance service

$250/confinement

outpatient dengue hfmd

$300/policy year for Outpatient for dengue and HFMD

emergency outpatient accident

$2000/policy year for Emergency Outpatient Treatment due to Accident benefit + Post A&E treatment (within 30 days after Emergency Outpatient Treatment due to Accident)

hospital ward

Private wards

Premium:

$1,600

Age	What suggestion covers	Premium
25, Female making $4,500 a month	plan Private wards VitalHealth A Deductible and co-insurance (capped at $3k out of pocket) Cancer Care Booster: cancer drug services 10x of Medishield Life limit cancer drug treatment on CDL 16x of Medishield Life limit cancer drug treatment not on CDL $200,000 Emergency and Outpatient Care Booster: Ambulance Service Benefit $250 Outpatient for dengue and HFMD $300 Emergency Outpatient Treatment due to Accident benefit + Post A&E treatment (within 30 days after Emergency Outpatient Treatment due to Accident) $2,000	$786.97 Read More
35, Male making $6,416.667 a month	main Private wards riders: VitalHealth A: deductible and coinsurance capped at $3k out of pocket Cancer Care Booster: cancer drug services 10x of Medishield Life limit cancer drug treatment on cdl 16x of Medishield Life limit cancer drug treatment not on cdl $200,000 per policy year Emergency and Outpatient Care Booster: ambulance service benefit $250/confinement outpatient for dengue and hfmd $300/policy year emergency outpatient treatment due to accident $2000/policy year	$1,255.76 Read More
24, Male making $5,833.333 a month		$1,313.16 Read More
25, Female making $3,786 a month	hospital ward Private wards	Not provided Read More
32, Female making $6,666.667 a month	riders: name VitalHealth A coverage Deductible and co-insurance (capped at $3k out of pocket) name Cancer Care Booster coverage: cancer drug list 16x of Medishield Life limit for cancer drug treatment on the Cancer Drug List (CDL) cancer drug services 10x of Medishield Life limit for cancer drug services non cdl cancer treatment $200,000 per policy year for cancer drug treatment not on CDL name Emergency and Outpatient Care Booster coverage: ambulance service $250/confinement outpatient dengue hfmd $300/policy year for Outpatient for dengue and HFMD emergency outpatient accident $2000/policy year for Emergency Outpatient Treatment due to Accident benefit + Post A&E treatment (within 30 days after Emergency Outpatient Treatment due to Accident) hospital ward Private wards	$1,600 Read More

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What Do These Plans Cover?

AIA HealthShield Gold Max offers three plan types: A, B, and B Lite. Here's a simplified breakdown:

Hospitalization and Surgical Benefits

Covers room and board, ICU stays, surgical procedures, and more. "As Charged" coverage for many benefits , subject to policy year limit.

Pre and Post-Hospitalization Treatment

Covers treatments and consultations before and after your hospital stay

Pregnancy Complications Benefit

Covers 28 pregnancy-related complications

Living Donor Organ Transplant Benefits

Up to S$60,000 per transplant for Plan A

Psychiatric Treatment Benefits

Up to S$5,000 per policy year for Plan A

Outpatient Benefits

Covers various cancer treatments, kidney dialysis, and more

AIA Max VitalHealth Benefits

Deductible and Co-insurance

Reduces your out-of-pocket expenses for hospital bills

Extended Benefits

Immediate family member accommodation, post-hospitalization alternative medicine for cancer and stroke, post-hospitalization home nursing

Early Detection Screening (for Plan A)

Colonoscopy for age 50 and above (once every 10 years), Mammogram for women aged 40-69 (once every 2 years)

Optional Emergency and Outpatient Care Booster (for Plan A)

Emergency outpatient treatment due to accidents, ambulance services, treatment for hand, foot, and mouth disease and dengue fever

How Much Coverage Do You Get?

The coverage amount depends on the plan you choose. For AIA HealthShield Gold Max:

Plan A: Up to S$2,000,000 per policy year (Private Hospital)

Plan B: Up to S$1,000,000 per policy year (Public Hospital A Class)

Plan B Lite: Up to S$300,000 per policy year (Public Hospital B1 Class)

AIA Max VitalHealth helps cover the deductible and co-insurance portions, potentially reducing your out-of-pocket expenses to as low as S$3,000 per policy year (for Plan A).

Why Compare AIA Healthshield Gold Max with other Hospital (ISP) Options through Whatins?

Traditional Approach

Only see options from advisor's preferred insurer
Limited comparison with MediShield Life integration
May push specific ward classes without full context

Whatins Advantage

Compare how different plans integrate with MediShield Life
See actual bill coverage differences between insurers
Get multiple perspectives on public vs private coverage
Understand ward class options across insurers

How Much Does It Cost?

The premiums for these plans vary based on your age, the plan type you choose, and whether you opt for additional riders. Here's a general idea:

For AIA HealthShield Gold Max (annual premiums, inclusive of 8% GST):

Ages 40 to 65: From S$310.65 to S$640.92

Ages 66 to 75: From S$457.80 to S$898.16

Ages 76 to 85: From S$675.80 to S$1,438.80

AIA Max VitalHealth premiums are additional and vary based on the plan chosen.

Remember, part of your premium can be paid using MediSave, subject to withdrawal limits.

Unique Benefits and Services

AIA Vitality Integration

Get premium discounts of up to 15% when you maintain a high AIA Vitality status

Telemedicine Services

Access video consultations with Singapore-registered doctors for a flat fee of S$12

Personal Medical Case Management

Receive personalized medical advice and support from Teladoc Health (for certain plans)

AIA Quality Healthcare Partners

Access a network of over 380 specialist doctors with at least 5 years of experience

Real-Life Scenarios

Major Illness Hospitalization

Imagine you're diagnosed with cancer and need extensive treatment. With AIA HealthShield Gold Max A and AIA Max VitalHealth A: Your hospital stay and surgical procedures would be covered, you'd have coverage for pre and post-hospitalization treatments, cancer drug treatments would be covered (including some non-CDL drugs with the Cancer Care Booster), and your out-of-pocket expenses could be as low as S$3,000 for the entire policy year.

Accidental Injury

If you have a serious accident and need emergency treatment: Emergency outpatient treatment would be covered (with the Emergency and Outpatient Care Booster), subsequent hospitalization and surgery would be covered, and you'd have coverage for follow-up treatments and rehabilitation.

Pregnancy Complications

If you experience complications during pregnancy: 28 pregnancy-related complications are covered, and both mother and child are protected.

Pros and Cons

Pros

High coverage limits
Comprehensive pre and post-hospitalization benefits
Additional critical illness coverage
Option to reduce out-of-pocket expenses significantly
Value-added services like telemedicine and personal case management

Cons

Premiums increase with age
Some benefits have sub-limits or are subject to co-payment
The most comprehensive plans can be relatively expensive

Frequently Asked Questions

Can I use MediSave to pay for these plans?

Yes, but there are withdrawal limits. Any excess must be paid in cash.

What happens if I'm hospitalized overseas?

There's coverage for emergency overseas treatment, subject to certain conditions.

Are pre-existing conditions covered?

Generally, pre-existing conditions are not covered. However, some may be covered under MediShield Life.

Can I upgrade my plan in the future?

Yes, but it may be subject to underwriting and waiting periods for new benefits.

How does the AIA Vitality program work with these plans?

AIA Vitality members can enjoy premium discounts of up to 15% based on their Vitality status.

Conclusion

AIA HealthShield Gold Max and AIA Max VitalHealth offer comprehensive health coverage that can significantly reduce your financial burden in case of illness or injury. With high coverage limits, extensive benefits, and unique features like early detection screening and personal case management , these plans provide robust protection for you and your family.

However, as with any insurance decision, it's essential to carefully consider your needs, budget, and long-term healthcare goals. While these plans offer excellent coverage, they may not be the best fit for everyone.

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