Healthshield Gold Max B

AIA HealthShield Gold Max B (HSG Max B) is the 2nd highest tier of the HealthShield Gold Max plan.
It offers coverage for public hospital stays up to Class A ward with high policy limits, and a wide range of benefits to help you manage your healthcare costs.

About the “AIA HealthShield Gold Max series”

AIA HealthShield Gold Max is a hospital plan; a medisave approved integrated shield plan that provides coverage for the medical expenses incurred from hospitalisation, surgery, and critical illness. 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 B provides extensive 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 $1 Million Limit Per Policy Year

HealthShield Gold Max B offers a high policy limit, up to $1 million per policy year, ensuring substantial coverage for your medical expenses.

180 Days Pre- and Post-Hospitalisation Benefits

With up to 180 days of pre- and post-hospitalisation benefits, HealthShield Gold Max B covers medical expenses incurred before and after your hospital stay.

Add-On Rider: VitalHealth

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

Coverage for Congenital Abnormalities

For female insureds, HealthShield Gold Max B covers congenital abnormalities in biological children from birth, with up to $16,000 per lifetime and a $4,000 limit per child.

Coverage for Planned Overseas Treatment

HealthShield Gold Max B covers planned overseas treatment, pegged to the cost of treatment in Singapore. This allows you to seek treatment overseas while still being covered by your insurance plan.

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Additional Benefits

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

$10 flat-fee for GP Medical teleconsult

AIA has partnered with Whitecoat to offer a flat consultation fee of S$10. Typically, hospital plans do not cover GP visits.

Cheaper Premium with Healthier Lifestyle

Integrating your AIA Vitality membership with your HealthShield Gold Max B plan can help you save up to 15% on your premiums. This encourages healthier lifestyle choices and saves on insurance costs.

Personal Case Management for Serious Medical Conditions

AIA HealthShield Gold Max B partners with Teladoc to offer personal case management for serious medical conditions, providing support and guidance to navigate complex medical situations.

Things to Note

While this plan primarily provides coverage for public hospital stays up to Class A wards, it also includes a 70% proration coverage for charges incurred in private hospitals. This proration applies to inpatient, outpatient, and day surgery/short stay ward charges, ensuring you have substantial coverage even if you choose to receive treatment at a private hospital.

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.

Healthshield Goldmax A

  • Covers Private Hospital and up to Public Hospital A ward
  • Policy limit of $2 Million per policy year
  • Pre & Post hospitalisation up to 13 months
  • Planned Overseas Treatment

Healthshield Goldmax B

  • Covers up to Public Hospital A ward
  • Policy limit of $1 Million per policy year
  • Pre & Post hospitalisation up to 180 days
  • Planned Overseas Treatment

Healthshield Goldmax B Lite

  • Covers up to Public Hospital B1 ward
  • Policy limit of $500,000 per policy year
  • Pre & Post hospitalisation up to 6 months
  • Planned Overseas Treatment