HSG_Max_and_Essential_Foreigner_Brochure.pdf

Hospital bills in Singapore are constantly on the rise. As a foreigner1 working or living here, a large medical bill can create an overwhelming fi nancial strain on you, especially since most corporate medical insurance do not cover medical bills on an as charged basis. In an instance, all your hard-earned money can be wiped out.

Thats why weve now made our AIA HealthShield Gold Max A available to you. So you can be assured of the same comprehensive medical benefi ts2 at an affordable rate, for a greater peace of mind while you work or live in Singapore.

Have a look at the premiums3

AIA HealthShield Gold Max and Max Essential (for foreigners)

Attained Age Next Birthday

AIA HealthShield Gold Max A Annual Premiums inclusive of 7% GST (S$)4

Insureds who are foreigners

Insureds who are dependants of Singapore Citizens (SC) /

Singapore Permanent Residents (SPR)5

Insureds who are non-dependants

of SC /SPR

1 20 200 214

21 30 232 243

31 - 40 341 354

41 50 639 680

51 55 1,025 1,060

56 606 1,147 1,200

Now covering foreigners1 too!

PD_AIA_HSG_Max_Foreigner_Buckslip_2pp_FINAL.indd 1 10/31/13 6:57 PM

1 Refer to foreigners who are dependants (i.e. legal spouse, parents, grandparents and children) of Singapore Citizen (SC) or Singapore Permanent Resident (SPR) with a Valid Pass, as well as foreigners who are non-dependants of SC/SPR and are working, studying or residing in Singapore and have a Valid Pass. Please refer to the Product Summary for the list of accepted Valid Passes.

2 AIA HealthShield Gold Max A is not available as an integrated Medisave-approved medical insurance plan, should the insured be a foreigner.

3 Policy Owners who are SC/SPR may use their Medisave funds to pay for the premium(s) of AIA HealthShield Gold Max A for their dependants (i.e. legal spouse, parents, grandparents and children) who are foreigners, subject to a withdrawal limit per Insured per policy year of S$800 (or S$1,000 if the Insured is aged between 66 and 75, or S$1,200 if the Insured is aged between 76 and 80, or S$1,400 if the Insured is aged 81 and above, based on attained age next birthday). For foreigners who are non-dependants of SC/SPR, AIA HealthShield Gold Max A premium(s) may only be paid via cash.

4 Monthly payment mode is only available to AIA HealthShield Gold Max A and AIA HealthShield Gold Max Essential A issued to Insureds who are foreigners, provided the premiums payable under AIA HealthShield Gold Max A is fully paid by cash and not paid by CPF Medisave.

5 Premium rates for Insureds who are dependants of SC/SPR are applicable only if the Policy Owners are SC/SPR.

6 Maximum entry age is 60 years old next birthday. Premium rates for ages 61 and above next birthday are for renewal only. Please refer to the Product Summary.

7 AIA HealthShield Gold Max Essential A premiums may only be paid by cash.

Important Notes:These insurance plans are underwritten by AIA Singapore Private Limited (Reg. No. 201106386R) (AIA). All insurance applications are subject to AIAs underwriting and acceptance. This brochure insert is not a contract of insurance. The precise terms and conditions of these plans, including exclusions whereby the benefi ts under these plans may not be paid out, are specifi ed in the policy contract. You are advised to read the policy contract. This is only product information provided by us. You should seek advice from a qualifi ed adviser if in doubt. Buying health insurance products that are not suitable for you may impact your ability to fi nance your future healthcare needs. You are discouraged from switching from an existing accident and/or health insurance policy to a new one without considering whether the switch is detrimental, as there may be potential disadvantages with switching. A penalty may be imposed for early policy termination and the new policy may cost more or have fewer benefi ts at the same cost. Information is correct at the time of printing (1 November 2013).

AIA Singapore Private Limited (Reg. No. 201106386R) 1 Robinson Road, AIA Tower, Singapore 048542 Monday - Friday 8.45am - 5.30pm

AIA Customer Care Hotline: 1800 248 8000 aia.com.sg SGPD

2013

006-

360-

0111

2013

TM

3300

098

(06/

2013

11/

2013

)

Attained Age Next Birthday

AIA HealthShield Gold Max Essential A Annual Premiums inclusive of 7% GST (S$)4

Insureds who are foreigners

Insureds who are dependants of Singapore Citizens (SC) /

Singapore Permanent Residents (SPR)5Insureds who are non-dependants

of SC /SPR

1 20 350 409

21 30 360 409

31 - 40 400 415

41 50 460 480

51 55 570 600

56 606 770 800

Premium rates do not remain level throughout the life of the policy and will increase with age. The premiums quoted are not guaranteed and are expected to be adjusted from time to time in line with our claim experience, medical infl ation cost and general cost of treatment, supplies or medical services in Singapore.

Whats more, you can further upgrade your cover with our AIA HealthShield Gold Max Essential A that covers the deductible and co-insurance portions of your hospital bill so that you are covered from the fi rst dollar!

Have a look at the premiums7

PD_AIA_HSG_Max_Foreigner_Buckslip_2pp_FINAL.indd 2 10/31/13 6:57 PM

Is your Shield plan keeping up with the times?

AIA HEALTHSHIELD GOLD MAXAIA HEALTHSHIELD GOLD MAX ESSENTIAL

Introducing AIA HealthShield Gold Max, a Medisave-approved medical plan thathelp you cope with rising healthcare costs.

aia.com.sg

Protection

PD_TM3300080 HSG_Max_HSG_Max_Essential_FSC_V5.indd 1 1/10/14 7:21 PM

72%of Singaporeans agree that they cannot afford

to get sick these days due to the high

medical costs*

*Source: Singapores Emigration Conundrum, The Business Times, 6-7 October 2012


AIA HealthShield Gold Max and Max Essential 3

AIA HealthShield Gold Max and AIA HealthShield Gold Max Essential represent the basic components of comprehensive health insurance planning.

Medical or hospital expense plansIm concerned about paying for medical expenses if I am hospitalised.

Personal accident plansIm concerned about medical bills

and loss of income

if I am injuredin an accident.

Hospital income, or hospital

cash plansIm concerned about

loss of income or

expenses not covered

by my basic medical plan

Critical illness p

lans

Im concerned a

bout

the costs associ

ated with a

major illness, li

ke Cancer

Disability income plansIm concerned about loss of income for 3 months or more due to disability through accident

or illness.


As the common saying goes: your health is your wealth. It couldnt be more true

Unexpected medical expenses could represent a significant threat to your finances. If you have no protection, or only partial protection, the impact on your savings might be substantial. Wise financial planning involves both saving for the things you want and protecting yourself against the unexpected. Isnt it time to consider a plan that helps with both?

AIA HealthShieldGold Max + AIA HealthShield Gold Max Essential

AIA HealthShield Gold Max Essential is an optional add-on that fills the gaps of your AIA HealthShield Gold Max plan by reimbursing the deductible and co-insurance portions of your hospital bill. This means you enjoy coverage from the first dollar.

AIA HealthShield Gold Max

AIA HealthShield Gold Max is a medical

expense reimbursement plan that offers protection

against medical bills. It reimburses your

medical bills up to the amount charged and

offers unlimited lifetime claims1.

Your medical bill

You pay:

Deductible

Co-insurance

You pay:



About AIA HealthShield Gold Max

AIA HealthShield Gold Max is a Medisave-approved medical expense reimbursement plan designed to meet most of the medical expenses you are likely to incur in public or private hospitals in Singapore, to lessen your financial burden.

AIA HealthShield Gold Max offers you a choice of 3 plan types to match your individual needs, allows unlimited lifetime claims1 and most of the benefits under AIA HealthShield Gold Max A and B are offered on an as charged2 basis. If you prefer treatment in a lower ward of class in a public hospital, AIA HealthShield Gold Max C will cover most of your hospital bill up to the stipulated benefit limits2, therefore offering you affordable medical coverage.

Enjoy more extensive coverage with these benefits: Covers inpatient stay in Community Hospital Congenital abnormalities benefit for insured (no waiting period) and female

insureds biological child3

Living donor organ transplant benefits for insured and non-insured donor Post-hospitalisation psychiatric treatment Additional claim limits and extended post-hospitalisation treatment for 30 critical

illnesses Waive one years premium upon total and permanent disability

Please refer to the Benefit Table for details.

AIA HealthShield Gold Max and AIA HealthShield Gold Max Essential offer affordable lifetime protection against unexpected medical bills.

GUARANTEED

lifetime renewa

l

and unlimited

lifetime claims

1

CPFYOURUSE Affordable premium payments using your CPF

You can simply use your CPF Medisave funds4 to pay for AIA HealthShield Gold Max premiums for you and your family members.


Limits of Compensation (S$ and inclusive of GST)

Plan Type A B C

Hospital Ward EntitlementStandard Room in Private Hospital

and below

Standard Room in Government/

Restructured Hospital

Standard Room in Private Hospital

and below

1. Hospitalisation and Surgical Benefits Daily Room and Board Benefit Daily ICU Benefit Community Hospital Benefit (per day)

Surgical Benefit (include Organ Transplant Benefit and Stem Cell Transplant Benefit)

Surgical Procedures5

Surgical Implants and Approved Medical Consumables

Stereotactic Radiosurgery

As Charged

450 per day900 per day450 per day

As Charged in Government/

Restructured Hospital6

7,000 per treatment

9,600 per procedure

2. Pre-Hospitalisation Benefit (within 100 days before confinement) As Charged 500 per confinement

3. Post-Hospitalisation Benefit Post-Hospitalisation Treatment (within 100 days after confinement)

Extended Post-Hospitalisation Treatment for 30 Critical Illnesses (within 100 days following the expiry of Post-Hospitalisation Treatment)

As Charged 1,000 per confinement

4. Accidental Inpatient Dental Treatment Benefit

Subject to the respective Limits of Compensation applicable to benefits under points (1) to (3)

5. Pregnancy Complications Benefit7 As Charged NIL

6. Congenital Abnormalities Benefits For female insureds biological child from birth8

20,000 per lifetimeLimit to 5,000

per child

16,000 per lifetimeLimit to 4,000

per childNIL

For insuredSubject to the respective Limits of Compensation

applicable to benefits under points (1) to (3)

7. Living Donor Organ Transplant Benefits Insured donating an organ Non-insured donating an organ to the insured

60,000 per transplant

40,000 per transplant

20,000per transplant

8. Emergency Overseas Medical Treatment Benefit

Subject to the respective Limits of Compensation applicable to benefits under point (1)

Benefits of AIA HealthShield Gold Max




Plan Type A B C


and below




and below

9. Psychiatric Treatment Benefits In-Hospital Psychiatric Treatment Post-Hospitalisation Psychiatric Treatment (within 200 days after confinement)

5,000 per policy year5,000 per policy year

4,000 per policy year2,500 per policy year

3,500 per policy year500 per policy year

10. Outpatient Benefits9

Type of HospitalPrivate Hospital

and Government/ Restructured Hospital

Private Hospital

Government/ Restructured

Hospital

Private Hospital and Government/


Radiotherapy for cancer Stereotactic Radiotherapy for cancer Chemotherapy for cancer Immunotherapy for cancer Renal Dialysis Erythropoietin Approved Immunosuppressants prescribed for organ transplant

As Charged

500 per day10

4,000 per treatment10

36,000 per policy year10





As Charged

280 per day2,000 per treatment

1,240 per month700 per month

24,000 per policy year5,000 per policy year5,000 per policy year

11. Final Expense Benefit9 5,000 per policy 3,500 per policy 2,500 per policy

12. Waiver of Premium for 1 year Benefit (upon Total and Permanent Disability)9, 11

Waive one years premium

13. Extra Cover for 30 Critical Illnesses Benefit

100,000 per policy yearUnlimited per lifetime



Maximum Claim LimitMaximum Limit per policy yearMaximum Limit per lifetime

600,000 Unlimited

450,000Unlimited

150,000Unlimited

Pro-ration Factor6 NIL 70% 50%

Deductible (per policy year)

Below age 82 next birthday12

C class wardB2 class wardB1 class wardA class wardPrivate Hospital (All ward types, except day surgery and short stay ward)Day surgery/Short stay ward

1,5002,0002,5003,5003,500

2,000

1,5002,0002,5002,5002,500

2,000

Co-insurance 10%

Last Entry Age (next birthday) 75

Maximum Coverage Period Lifetime


About AIA HealthShield Gold Max Essential

AIA HealthShield Gold Max Essential is an optional add-on that complements your AIA HealthShield Gold Max plan to cover any deductible or co-insurance portions of your hospital bill.

Additional valuable benefits include: Daily hospital incentive Immediate family member accommodation Post-hospitalisation alternative medicine (for cancer and stroke) Post-hospitalisation home nursing Emergency outpatient treatment due to an accident

Are you already adequately protected?While CPF Medisave, CPF MediShield, and employer-provided health benefits offer some level of protection for most people, these measures do not add up to a comprehensive lifetime solution:

Employee health benefits

CPF MediShield

CPF Medisave

Coverage typically ends when you leave the company or retire.

May cover a portion of the medical cost. Coverage ends when you reach 90 years old. For more information, please visit www.cpf.gov.sg.

A serious accident or illness could wipe out your entire account balance.




Plan Type A B C


and below




and below

Deductible and Co-insurance Covered

Daily Hospital Incentive Benefit13

250 per day(Admission in Government/

Restructured Hospital B1/B2/C class ward)


Restructured Hospital A class ward)


Restructured Hospital B2/C class ward)


Restructured Hospital B1 class ward)

50 per day(Admission in

Government/Restructured Hospital C class ward)

Immediate Family Member Accommodation Benefit14(upon physicians or specialists advice in writing for period of confinement)

Standard charges for an additional bed


Up to 70 per day


Up to 50 per day

Post-Hospitalisation Alternative Medicine Benefit14for cancer and stroke (within 100 days after confinement)

5,000 per policy year 3,000 per policy year 1,000 per policy year

Post-Hospitalisation Home Nursing Benefit14(within 26 weeks after confinement)

500 per day5,000 per policy year



Emergency Outpatient Treatment due to Accident Benefit 2,000 per policy year 1,000 per policy year 500 per policy year

Benefits of AIA HealthShield Gold Max Essential


Annual Premiums (S$ and inclusive of GST)

Age Next BirthdayAIA HealthShield Gold Max

A B C

1 - 20

21 - 30

31 - 40

41 - 50

51 - 55

56 - 60

61 - 65

66 - 70

71 - 73

74 - 7515

200

232

341

639

1,025

1,147

1,667

2,250

2,831

3,162

143

165

258

518

763

800

1,119

1,827

2,339

2,570

110

136

207

345

500

533

723

925

1,219

1,414

Age Next BirthdayAIA HealthShield Gold Max Essential

A B C

1 - 20

21 - 30

31 - 40

41 - 50

51 - 55

56 - 60

61 - 65

66 - 70

71 - 73

74 - 7515

330

350

390

430

530

730

1,120

1,730

2,220

2,260

215

235

260

370

480

695

1,005

1,660

2,170

2,205

140

160

190

295

435

525

825

1,125

1,345

1,565

Premium rates do not remain level throughout the life of the policy and will increase with age. The premiums quoted are not guaranteed and are expected to be adjusted from time to time in line with our claim experience, medical inflation cost and general cost of treatment, supplies or medical services in Singapore.



Example

Mr Khor, a 32-year-old sales engineer is covered under the AIA HealthShield Gold Max A with AIA HealthShield Gold Max Essential A plan. After experiencing an unexplained weight loss and blood in his stool, he visited a specialist for a colonoscopy examination, which revealed a stage 3 colon cancer. He was hospitalised in a Government Hospital A class ward for 30 days and underwent surgery. After being discharged from the hospital, Mr Khor went for chemotherapy treatments for a year. His condition has now stabilised.

The following table illustrates the list of benefits and claims payable by AIA:

Medical Expenses Amount Payable (S$)

Pre-Hospitalisation Benefit (specialist consultation and colonoscopy) 549

Hospitalisation and Surgical Benefits Daily Room and Board (30 days in Government Hospital A ward) Surgery

27,24310,590

Outpatient Benefit Chemotherapy for cancer 31,458

Total medical expenses subject to Deductible and Co-insurance 69,840 (X)

Less Deductible (not applicable to Outpatient Benefit) 3,500 (Y)

Balance less Deductible 66,340

Less 10% Co-insurance (10% x S$66,340) 6,634 (Z)

AIA HealthShield Gold Max A pays 59,706 (XYZ)

AIA HealthShield Gold Max Essential A pays:

Deductible and Co-insurance Daily hospital incentive (S$150 x 30 days)

10,134 (Y+Z)4,500

Mr Khor pays 0


Frequently Asked Questions

It is always our intention to write in plain English, and to be as transparent as possible when describing our products. The questions and answers below reflect the most common concerns raised by our customers. If you have any other questions not addressed here, please ask your AIA Financial Services Consultant for more information. Alternatively, you may visit our website at aia.com.sg or contact our AIA Customer Care Hotline at 1800 248 8000.

Q1. Am I eligible to apply for AIA HealthShield Gold Max for myself and my family members?You can apply for AIA HealthShield Gold Max for yourself and your family members (grandparents, parents, spouse or children) if you and your family members are Singaporeans or Singapore Permanent Residents aged 75 years or below on your/their next birthday.

Q2. How can I pay premiums for myself and my family members?AIA HealthShield Gold Max premiums can be paid from your CPF Medisave account, subject to the CPF Medisave withdrawal limit4. If you have insufficient funds in your CPF Medisave account, or if your premium exceeds the CPF Medisave withdrawal limit4, the balance of the premium payment must be made by cash. AIA HealthShield Gold Max Essential premiums can only be paid by cash.

Q3. Will my premium change when I renew my policy?Your premium will change as you move into the next age group.

Q4. Are these plans guaranteed renewable?Yes, they are guaranteed yearly renewable on your policy anniversary date by payment of the annual premium in advance before the end of the grace period.

Q5. Do I have to take a medical examination?Subject to underwriting, you may be required to take a medical examination.

Q6. What are deductible and co-insurance?The deductible is a fixed amount of up to a stipulated amount on a policy year basis that you have to pay first before the benefits are paid. The co-insurance is a fixed percentage of the medical bill that you have to pay after deducting the deductible amount.

Q7. What conditions are excluded under these plans?Exclusions common to many medical expense reimbursement plans apply to AIA HealthShield Gold Max and AIA HealthShield Gold Max Essential, including: Pre-existing conditions, which means any illness or condition that occurred before the date

your policy began or the date your policy was last reinstated, whichever is later (unless a declaration has been made by the Insured at the time of application or reinstatement of the policy and we have specifically accepted the application).

Treatment for infertility, sub-fertility, assisted conception or any contraceptive operation and sex change operations.

Treatment arising from injuries sustained during wars (whether war be declared or not), civil commotion, riots, revolutions, strikes, nuclear reaction or any war-like operations.



There are other conditions whereby the benefits under these plans will not be payable. You are advised to read the policy contracts for the full list of exclusions.

Q8. Is there a waiting period before I am eligible for certain benefits?There are waiting periods applicable to some benefits under these plans. Such benefits shall not be payable if the condition relating to or covered by the benefits is diagnosed during the waiting period. These waiting periods start from the date your respective plan began, the last reinstatement date of your respective plan (if any) or effective date of plan upgrade (if any), whichever is latest. (i) For pregnancy complications benefit, a waiting period of 10 months applies. (ii) For congenital abnormalities of insureds biological child from birth, a waiting period of

10 months applies.(iii) For insured (as living donor) donating an organ, a waiting period of 24 months applies.

The date the recipient of the organ is first diagnosed with organ failure must be after the 24 months waiting period.

Q9. Can I buy AIA HealthShield Gold Max Essential after my AIA HealthShield Gold Max plan is incepted?

Yes you can. However, the waiting periods applicable to benefits under AIA HealthShield Gold Max Essential will start from the inception date or the last reinstatement date of the rider, whichever is later. Please refer to the policy contract for more information.

Q10. How will I receive my claim payout?Most benefits payable under the plans are paid on a reimbursement basis (except for Waiver of Premium Benefit (upon Total and Permanent Disability) under AIA HealthShield Gold Max and Daily Hospital Incentive Benefit under AIA HealthShield Gold Max Essential), which means that any claim needs to be supported by original hospital or medical bills.

Q11. Can I change my mind and cancel the policy after Ive purchased?Yes you can. You may cancel AIA HealthShield Gold Max by writing to us within 2 calendar months from the date you receive your AIA HealthShield Gold Max policy document (free-look period). You may cancel AIA HealthShield Gold Max Essential by writing to us within 14 days from the date you receive your AIA HealthShield Gold Max Essential policy document (free-look period) or within the free-look period of your AIA HealthShield Gold Max (whichever is later).


1 Subject to policy year limit and any overall benefit limits.2 We shall pay the Eligible Expenses incurred, subject to any applicable Pro-ration Factor, Deductible and/or Co-

insurance and any other benefit limits as stated in the Benefit Table and subject to the terms and conditions of the policy contract.

3 This benefit is not applicable to AIA HealthShield Gold Max C plan. 4 From 1 Nov 2013, the Medisave withdrawal limit per Insured per policy year is: S$800 for age 65 and below next birthday S$1,000 for age 66 to 75 next birthday S$1,200 for age 76 to 80 next birthday S$1,400 for age 81 and above next birthday 5 Surgical Procedures refer to the types of surgical operations listed in the Table of Surgical Procedures under

the Medisave Scheme operated by the Ministry of Health excluding all surgical operations stated in the General Exclusions and any other surgical operations that are not specified in the Table of Surgical Procedures. The costs of any surgical implants, Approved Medical Consumables and/or Stereotactic Radiosurgery procedure are not included in this portion of the benefit.

6 For AIA HealthShield Gold Max B, all Eligible Expenses incurred (except for any Eligible Expenses incurred under the Outpatient Benefit stated in footnote 10) are subject to the Pro-ration Factor, if such expenses are incurred in a private hospital/private medical institution or any hospital outside of Singapore. For AIA HealthShield Gold Max C, only Eligible Expenses incurred for Surgical Procedures under Surgical Benefit is subject to the Pro-ration Factor if such expenses are incurred in a private hospital/private medical institution or any hospital outside of Singapore.

7 Pregnancy complications covered are Ectopic pregnancy, Pre-eclampsia or eclampsia, Disseminated Intravascular Coagulation (DIC), Miscarriage (after 21 weeks of pregnancy), Acute Fatty Liver Pregnancy and Choriocarcinoma and Hydatidiform Mole.

8 Reimburse Eligible Expenses incurred during the first 24 months from date of birth of the child.9 Eligible Expenses incurred under the Outpatient Benefit are not subject to the Deductible but are subject to Co-

insurance. The Final Expense Benefit and Waiver of Premium for 1 Year Benefit (upon TPD) are not subject to either the Deductible or Co-insurance. Eligible Expenses incurred under all other benefits are subject to the Deductible and Co-insurance.

10 For AIA HealthShield Gold Max B, if the insured incurs the Eligible Expenses in a private hospital/any other private medical institution above the benefit limits for each outpatient treatment, the excess amounts will be subject to the Pro-ration Factor.

11 The benefit expires on the policy anniversary occurring on or immediately following the insureds 70th birthday. Please refer to the policy contract for the exact definitions of Total Permanent Disability.

12 For ages 82 and above next birthday, please refer to the product summary.13 Exclude day surgery, short stay ward in an emergency department of a hospital, hospitalisation in a community

hospital, hospitalisation overseas due to emergency and hospitalisation due to psychiatric condition.14 These benefits are not payable if the insured is diagnosed and confined in a hospital due to a psychiatric condition.15 Maximum entry age is 75 years old next birthday. Premium rates for ages 76 and above next birthday are for

renewal only. Please refer to the product summary.

Important Notes:These insurance plans are underwritten by AIA Singapore Private Limited (Reg. No. 201106386R)(AIA). All insurance applications are subject to AIAs underwriting and acceptance. This brochure is not a contract of insurance. The precise terms and conditions of these plans, including exclusions whereby the benefits under these plans may not be paid out, are specified in the relevant policy contracts. You are advised to read the policy contracts. This is only product information provided by us. You should seek advice from a qualified adviser if in doubt. Buying health insurance products that are not suitable for you may impact your ability to finance your future healthcare needs. You are discouraged from switching from an existing accident and/or health insurance policy to a new one without considering whether the switch is detrimental, as there may be potential disadvantages with switching. A penalty may be imposed for early policy termination and the new policy may cost more or have fewer benefits at the same cost. AIA HealthShield Gold Max is issued under a joint insurance arrangement with the Central Provident Fund (CPF) Board to enhance the coverage provided by MediShield. Please note that you can use your CPF Medisave account to purchase only one Medisave-approved medical insurance scheme per Insured at any one time. The information is correct at the time of printing (13 January 2014).



About AIA Group AIA Group Limited and its subsidiaries (collectively AIA or the Group)

comprise the largest independent publicly listed pan-Asian life insurance

group. It has operations in 17 markets in Asia Pacific wholly-owned branches

and subsidiaries in Hong Kong, Thailand, Singapore, Malaysia, China, Korea,

the Philippines, Australia, Indonesia, Taiwan, Vietnam, New Zealand, Macau,

Brunei, a 97 per cent subsidiary in Sri Lanka, a 26 per cent joint venture in India

and a representative office in Myanmar.

The business that is now AIA was first established in Shanghai over 90 years

ago. It is a market leader in the Asia Pacific region (ex-Japan) based on life

insurance premiums and holds leading positions across the majority of its

markets. It had total assets of US$147 billion as of 31 May 2013.

AIA meets the savings and protection needs of individuals by offering a range

of products and services including retirement savings plans, life insurance and

accident and health insurance. The Group also provides employee benefits,

credit life and pension services to corporate clients. Through an extensive

network of agents and employees across Asia Pacific, AIA serves the holders

of more than 27 million individual policies and over 16 million participating

members of group insurance schemes.

AIA Group Limited is listed on the Main Board of The Stock Exchange of Hong

Kong Limited under the stock code 1299 with American Depositary Receipts

(Level 1) traded on the over-the-counter market (ticker symbol: AAGIY).


SGP

D20

1300

1-38

7-13

0120

14

AIA Singapore Private Limited (Reg. No. 201106386R)

1 Robinson Road, AIA Tower, Singapore 048542 Monday - Friday 8.45am - 5.30pm AIA Customer Care Hotline: 1800 248 8000 aia.com.sg


Documents

HSG_Max_and_Essential_Foreigner_Brochure.pdf