Healthshield Gold Max A Review

AIA HealthShield Gold Max A (HSG Max A) is the most comprehensive tier of the HealthShield Gold Max plan. It offers coverage up to Private hospital stays and all wards in Public hospital, it has the highest policy limits, and a wide range of benefits to help you manage your healthcare costs. With HealthShield Gold Max A, you can enjoy peace of mind knowing that you have the most comprehensive coverage for your medical expenses.

About the “AIA healthshield Gold Max” series

AIA HealthShield Gold Max is a medisave approved integrated shield plan that provides coverage for the medical expenses incurred from hospitalisation, surgery, and treatments. It offers a wide range of benefits to help you manage your healthcare costs and protect your financial well-being.

Key Features

HealthShield Gold Max A provides comprehensive benefits to help you manage healthcare costs and protect your financial well-being. These are some of the key features of the plan that we think you should know about:

Up to $2 Million Limit Per Policy Year

HealthShield Gold Max A offers one of the highest policy limits, up to $2 million per policy year, ensuring extensive coverage for your medical expenses.

13 Months Pre- and Post-Hospitalisation Benefits

With up to 13 months of pre- and post-hospitalisation benefits, HealthShield Gold Max A covers medical expenses incurred before and after your hospital stay.

Add-On Rider: VitalHealth

HealthShield Gold Max A offers optional riders to reduce your co-insurance to 5% and cap it at $3,000 giving you more control over healthcare costs.

Add-On Rider: Cancer Booster

Improve your coverage with the Cancer Booster rider, which provides you an extra of 16x Medishield life limit per month. As for the non-CDL coverage, claim up to $200,000 per policy year

Coverage for Congenital Abnormalities

For female insureds, HealthShield Gold Max A covers congenital abnormalities in biological children from birth, with up to $20,000 per lifetime and a $5,000 limit per child.

Covers for planned overseas treatment

HealthShield Gold Max A is one of the only insurers that covers for planned overseas treatment, pegged to the cost of treatment in Singapore. This means that you can seek treatment overseas and still be covered by your insurance plan.

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Additional Benefits

Getting an AIA HealthShield Gold Max A plan comes with additional benefits that are not part of the hospital insurance coverage. This means that they are not promised and can be changed by the insurer at any time. Some of the additional benefits include:

$12 flat-fee for GP Medical teleconsult

AIA has partnered with Whitecoat to offer a flat consulation fees of S$12. Typically, hospital plan do not cover for GP visis.

Cheaper Premium with Healthier lifestyle

Integrating your AIA Vitality membership with your HealthShield Gold Max A plan can help you save up to 15% on your premiums. This is a great way to encourage healthier lifestyle choices and save on your insurance costs.

Personal Case Management for serious medical condition

AIA HealthShield Gold Max A partnered with Teladoc and offer personal case management for serious medical conditions, providing you with the support and guidance you need to navigate complex medical situations. This can help you make informed decisions about your healthcare and ensure that you receive the best possible treatment.

Early detection screening benefit

AIA HealthShield Gold Max A offers early detection screening benefits for policyholders aged 40 and above, helping you detect potential health issues early and take preventive measures to maintain your health. This can help you avoid serious health problems and reduce your healthcare costs in the long run.

Things to note

Although AIA Healthshield Goldmax A does not have a claim-based pricing, it adopts a deductible wavier pass approached for private hospitalisation if you have the AIA VitalHealth rider. This means that you if you visit private hospital from the 2nd time onwards, you will be subjected to a deductible of $2,000. This will be waived if you have not made any private hospitalisation claims in the past 3 consecutive years.

In other words, if you have not made any private hospitalisation claims in the past 3 consecutive years, you will not be subjected to the $2,000 deductible. If you have made a private hospitalisation claim in the past 3 consecutive years, you will be subjected to the additional $2,000 deductible. This is a great way to encourage policyholders to seek treatment at public hospitals and reduce healthcare costs.

Three different tiers

AIA HealthShield Gold Max comes in three different tiers, each offering a different level of coverage to suit your needs and budget. The three tiers are HealthShield Gold Max A, HealthShield Gold Max B, and HealthShield Gold Max B Lite. Each tier has its own set of benefits and features, so you can choose the one that best fits your requirements. If you’re looking for comprehensive coverage that includes private hospital stays and high policy limits, HealthShield Gold Max A is the right choice for you. If you prefer a more affordable option that still provides good coverage, HealthShield Gold Max B or B Lite may be more suitable.