When you’ve taken care of healthcare costs, you can take a ... · Build all-round medical coverage with AIA HealthShield Gold Max and AIA Max VitalHealth. Unexpected medical expenses

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All your healthcare needs in one kit

AIA HEALTHSHIELD GOLD MAXAIA MAX VITALHEALTH

With AIA HealthShield Gold Max, you can count on holistic solutions that take you from diagnosis to recovery.

Holistic healthcare solutions for every stage of recovery

PRE-HOSPITALISATION / PRE-SURGERY

AIA HealthShield Pre-Authorisation

Count on worry-free treatment with AIA HealthShield pre-authorisation requests.

• Simply submit a pre-authorisation request 3 working days before admission / surgery

• Upon approval, a Certificate of Pre-Authorisation* will be issued to the hospital and we will settle the pre-approved bill on your behalf

* Items or expenses that are not covered by the Certificate of Pre-Authorisation will need to be borne by the patient.

PRIMARY CARE

On-Demand Medical Consultations

Introducing WhiteCoat – our exclusive telemedicine partner that lets you visit a doctor on-demand at your convenience.

For a flat consultation fee of S$12^, you can receive professional medical advice from Singapore-registered doctors via video consultation wherever you are, and have your prescription delivered to your doorstep within 90 minutes.

WhiteCoat doctors can also seamlessly connect you to our medical concierge service to book a consultation with our AIA Quality Healthcare Partner (AQHP) specialists if necessary.

Your Choice Of Healthcare Partners

Connect with your preferred doctor from over 200 of our AQHP specialists across 26 medical disciplines. All AQHP specialists have at least 5 years of specialist experience and a clean professional track record.

As an AIA HealthShield Gold Max customer, you can also enjoy pre-negotiated consultation rates when you seek specialist treatment with any of our AQHP specialists.

AIA HEALTHSHIELD GOLD MAX AND AIA MAX VITALHEALTH PROTECTION | 0201 | PROTECTION AIA HEALTHSHIELD GOLD MAX AND AIA MAX VITALHEALTH

PRE- TO POST-HOSPITALISATIONGlobal Support For Your Medical Needs

The AIA-exclusive Medix Personal Medical Case Management draws from medical knowledge worldwide to tailor treatments for serious conditions.

• Receive help and advice from over 3,000 leading global specialists

• Operational 24/7 in English and Mandarin • Complimentary for AIA Max VitalHealth A, existing AIA Max Essential A and A Saver customers

HOSPITALISATION / SURGERY Boost Your Medical Coverage

Focus on recovery while we take care of your healthcare costs.

With AIA HealthShield Gold Max and AIA Max VitalHealth, you can rest assured that your out-of-pocket medical expenses are kept to a minimum.

^ excludes GST, medication or delivery charges (where applicable).

03 | PROTECTION AIA HEALTHSHIELD GOLD MAX AND AIA MAX ESSENTIAL


• You do not have to stay in the hospital for more than 6 hours to claim for surgical benefits

• Day surgeries2 performed in approved medical institutions (e.g. specialist clinics) are also covered under AIA HealthShield Gold Max

• Admission to community hospitals is claimable upon referral from a public hospital’s A&E department

DID YOU

KNOW?

Why choose AIA HealthShield Gold Max?

Key Benefits

• Up to S$2 million limit per policy year

• Up to 13 months pre- and post-hospitalisation benefits

• Guaranteed lifetime coverage and unlimited lifetime claim amount1

• Extra coverage of up to S$100,000 for 30 critical illnesses per policy year

• Coverage against 26 pregnancy conditions including Gestational Diabetes Mellitus and Placenta Praevia

Highest in market!

Longest in market!

Enhance your coverage with AIA Max VitalHealth

Post-hospitalisation home nursing benefit19

Emergency and Outpatient Care Booster optional

add-on for AIA Max VitalHealth A

Immediate family members’

accommodation benefit19

First-in-market early detection screening

benefit from age 40 onwards

Keep your out-of pocket expenses

capped at S$3,000 per policy year3

Post-hospitalisation alternative medicine

for cancer and stroke benefit19

BE REWARDED WHEN YOU LIVE HEALTHIER

AIA Vitality supports and motivates you every step of the way towards achieving your health goals. You get rewarded for healthy choices and earn points when you Get Active, Eat Well and complete Health Checks!

Enjoy up to 15% discount4 on AIA Max VitalHealth future premiums!


Take your protection further with AIA Quality Healthcare Partners

Tom has an AIA HealthShield Gold Max A plan with AIA Max VitalHealth A. He is diagnosed with colorectal cancer, and his total medical bill in a private hospital comes up to S$200,000.

AIA HealthShield Gold Max A covers the majority of his medical bill, and Tom incurs a total deductible and co-insurance of S$23,150.

• Deductible = S$3,500

• Co-insurance = S$19,650 [10% x (S$200,000 – S$3,500)]

If Tom is treated by an AQHP private specialist or at a public hospital

With AIA Max VitalHealth A, the deductible and co-insurance will be reimbursed with a 5% co-payment of S$10,000. As there is a co-payment cap, Tom only needs to pay S$3,000 from his own pocket.

AIA Max VitalHealth A will cover the remaining S$20,150.

If Tom is treated by non-AQHP private specialists AIA Max VitalHealth A will reimburse the co-insurance up to S$5,000, and Tom will need to pay a total of S$18,150 in deductible and co-insurance.

We can always count on MediShield Life for our hospitalisation needs. But when the unexpected happens, you may need a more holistic healthcare solution for greater protection.

How can AIA HealthShield Gold Max and AIA Max VitalHealth help?

AIA Max VitalHealth

AIA HealthShield Gold Max

MediShield Life

AIA Max VitalHealth

• Out-of-pocket expenses capped at S$3,000 per policy year3

• Early detection screening benefit for AIA Max VitalHealth A customers

• Optional add-on to minimise out-of-pocket expenses


• Premiums can be paid by MediSave5

• Covers hospitalisation bills in private hospitals and public hospitals up to A / B1 Class wards

• Complements MediShield Life benefits with higher and more comprehensive medical coverage

MediShield Life

• Covers large bills for B2 / C Class wards in public hospitals and costly outpatient treatment

• Compulsory for all Singapore Citizens and Permanent Residents

MediSave-Approved


Plan Type A B B Lite

Hospital Ward EntitlementPrivate Hospital

(Standard Room and below)

Public Hospital(A Class ward and

below)

Public Hospital(B Class ward and

below)

1. Hospitalisation and Surgical Benefits Daily Room and Board Benefit Daily ICU Benefit Community Hospital Benefit Surgical Benefit (includes Organ Transplant Benefit and Stem Cell Transplant Benefit) • Surgical Procedures • Surgical Implants and Approved Medical Consumables • Stereotactic Radiosurgery

As Charged6

2. Pre-Hospitalisation Benefit

As Charged6 (within 100 days before

confinement)

(within 13 months before confinement if treated by AIA Preferred Providers7)


confinement)


confinement)

3. Post-Hospitalisation Benefits Post-Hospitalisation Treatment

As Charged6 (within 100 days after

confinement)

(within 13 months after confinement if treated by AIA Preferred Providers7)


confinement)


confinement)

Extended Post-Hospitalisation Treatment for 30 Critical Illnesses

As Charged6

(within 100 days after the expiry of Post-Hospitalisation Treatment8)

4. Accidental Inpatient Dental Treatment Benefit Subject to the respective limits from points (1) to (3)

5. Pregnancy Complications Benefit9 As Charged6

6. Congenital Abnormalities Benefits For female Insured’s biological child from birth9

20,000 per lifetime, limited to

5,000 per child


4,000 per child


3,000 per child

For the Insured Subject to the respective limits from points (1) to (3)

7. Living Donor Organ Transplant Benefits Insured donating an organ9

60,000 per transplant

40,000 per transplant

20,000 per transplant Non-insured donating an organ to

the Insured

8. Emergency Overseas Medical Treatment Benefit Subject to the respective limits from points (1) to (3)10

9. Psychiatric Treatment Benefits In-Hospital Psychiatric Treatment 5,000 per policy year 4,000 per policy year 3,500 per policy year

Post-Hospitalisation Psychiatric Treatment (within 200 days after confinement) 5,000 per policy year 2,500 per policy year 1,000 per policy year

Benefits of AIA HealthShield Gold Max (S$ and includes GST)

Plan Type A B B Lite

Hospital Ward EntitlementPrivate Hospital (Standard Room

and below)

Public Hospital (A Class ward

and below)

Public Hospital(B Class ward

and below)

10. Outpatient Benefit11

Type of Hospital Private Hospital Private Hospital

Public Hospital Public Hospital

Radiotherapy for Cancer

As Charged6

500 per treatment session12

As Charged6 As Charged6

Stereotactic Radiotherapy for Cancer4,000 per treatment session12

Chemotherapy for Cancer 36,000 per policy year12

Immunotherapy for Cancer 24,000 per policy year12

Renal Dialysis 36,000 per policy year12

Erythropoietin 7,200 per policy year12

Approved Immunosuppressants prescribed for Organ Transplant

7,200 per policy year12

Long-Term Parenteral Nutrition As Charged6

11. Final Expense Benefit13 5,000 per policy 3,500 per policy 2,500 per policy

12. Waiver of Premium for 1-Year Benefit13, 14

(upon Total and Permanent Disability)Waiver of one year’s premium

13. Extra Cover for 30 Critical Illnesses Benefit

100,000 per policy year15

75,000per policy year

50,000 per policy year

Maximum Claim Limit

Maximum Limit per Policy Year

1,000,000

2,000,000 (If admitted / treated by

AIA Preferred Providers7)

1,000,000 300,000

Maximum Limit per Lifetime Unlimited

Pro-ration Factor NIL

70%(for inpatient, outpatient and

day surgery / short stay ward charges incurred in

private hospitals)

Class B1 ward – 90% (PR)Class A ward – 80%

Private Hospital – 50%Private Outpatient Benefit

Treatment – 65%Day Surgery in Private

Hospital – 65%

Deductible (per policy year) Below age 82 next birthday16

C Class ward B2 / B2+ Class ward B1 Class ward A Class ward Private Hospital (All ward types, except Day Surgery and Short Stay Ward) Unsubsidised Day Surgery / Short Stay Ward Subsidised Day Surgery / Short Stay Ward

1,5002,0002,5003,5003,500

2,000

2,000

Co-insurance 10%

Last Entry Age (next birthday) 75

Maximum Coverage Period Lifetime

Plan Type Standard Plan

Hospital Ward Entitlement Public Hospital (B1 Class ward and below)

Pro-ration Factor

Deductible (per policy year)

Co-insurance 10%

Maximum Coverage Period Lifetime


Benefits of AIA HealthShield Gold Max Standard Plan (S$ and includes GST)

Plan Type Standard Plan

Hospital Ward Entitlement Public Hospital (B1 Class ward and below)

1. Hospitalisation and Surgical Benefits

Daily Room and Board Benefit 1,700 per day

Daily ICU Benefit 2,900 per day

Community Hospital Benefit 650 per day

Surgical Benefit

Surgical Implants and Approved Medical Consumables 9,800 per admission

Stereotactic Radiosurgery 9,600 per procedure

In-Hospital Psychiatric Treatment Benefit 500 per day (up to 35 days per policy year)

2. Outpatient Benefit11

Renal Dialysis 2,750 per month

Chemotherapy for Cancer 5,200 per month

External or Superficial Radiotherapy for Cancer 550 per treatment session

Brachytherapy with or without External 1,100 per treatment session

Stereotactic Radiotherapy for Cancer 1,800 per treatment session

Approved Immunosuppressants prescribed for Organ Transplant 1,200 per month

Erythropoietin 450 per month

Maximum Claim Limit

Maximum Limit per Policy Year 150,000

Maximum Limit per Lifetime Unlimited

Surgical Procedures2 Claim Limit

Table 1 590

Table 2 1,670

Table 3 3,290

Table 4 4,990

Table 5 8,760

Table 6 11,670

Table 7 16,720

SingaporeCitizen

Singapore Permanent

Resident

C Class ward NIL NIL

B2 / B2+ Class ward NIL NIL

B1 Class ward NIL 90%

A Class ward 80% 80%

Private Hospital 50% 50%

Outpatient Benefit in Public Hospital NIL NIL

Outpatient Benefit in Private Hospital or Private Medical Institution

65% 65%

Day Surgery in Public Hospital NIL NIL

Day Surgery in Private Hospital or Private Medical Institution

65% 65%

Subsidised / Unsubsidised Short Stay Ward in Public Hospital

NIL NIL

Below age 82 next birthday16

C Class ward 1,500

B2 / B2+ Class ward 2,000

B1 Class ward 2,500

A Class ward 2,500

Private Hospital 2,500

Subsidised Day Surgery / Short Stay Ward 1,500

Unsubsidised Day Surgery / Short Stay Ward 2,000


Benefits of AIA Max VitalHealth B / B Lite (S$ and includes GST)

Plan Type B B Lite

Hospital Ward Entitlement Public Hospital(A Class ward and below)

Public Hospital(B1 Class ward and below)

If admitted to and / or treated by AIA Preferred Providers7

Deductible Reimburses Deductible and Co-insurance as incurred under AIA HealthShield Gold Max

Subject to 5% co-payment per claim on the eligible medical bill, capped at 3,000 per policy yearCo-insurance

If admitted to and / or treated by non-AIA Preferred Providers

Deductible Reimburses the Deductible and Co-insurance as incurred under AIA HealthShield Gold Max

Subject to 5% co-payment per claimCo-insurance

Extended Benefits

Immediate Family Member Accommodation Benefit19

(upon physician’s or specialist’s advice in writing)

Standard charges for an additional bed (up to 70 per day)

Standard charges for an additional bed (up to 50 per day)

Post-Hospitalisation Alternative Medicine Benefit19

(for Cancer and Stroke) (within 100 days after confinement)

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

Post-Hospitalisation Home Nursing Benefit17

(within 26 weeks after confinement)

300 per day


200 per day


Early Detection Screening Benefit18 Not Covered Not Covered

Emergency Outpatient Treatment due to Accident Benefit

1,000 per policy year(less 5% of the charges incurred per claim)

800 per policy year(less 5% of the charges incurred per claim)

Ambulance Service Benefit17, 19

(due to an emergency condition)150 per confinement

/ per emergency outpatient treatment100 per confinement

/ per emergency outpatient treatment

Private Hospital (Standard Room and below)

If admitted to and / or treated by AIA Preferred Providers7

Deductible Reimburses Deductible and Co-insurance as incurred under AIA HealthShield Gold Max

Subject to 5% co-payment per claim on the eligible medical bill, capped at 3,000 per policy yearCo-insurance

If admitted to and / or treated by non-AIA Preferred Providers

Deductible Not Covered

Co-insuranceReimburses the Co-insurance as incurred under

AIA HealthShield Gold Max up to 5,000 per policy year

Subject to 5% co-payment per claim

Extended Benefits

Immediate Family Member Accommodation Benefit17

(upon physician’s or specialist’s advice in writing)

Standard charges for an additional bed

Post-Hospitalisation Alternative Medicine Benefit for Cancer and Stroke17 (within 100 days after confinement)


Post-Hospitalisation Home Nursing Benefit17

(within 26 weeks after confinement)

500 per day, limited to 5,000 per policy year

Early Detection Screening Benefit18Colonoscopy for age 50 and above (once every 10 years)

Mammogram for women age 40 – 69 (once every 2 years)

Optional: Emergency and Outpatient Care Booster

Emergency Outpatient Treatment due to Accident Benefit

2,000 per policy year(less 5% of the charges incurred per claim) Post A&E Treatment

(within 30 days from Emergency Outpatient Treatment due to Accident)

Ambulance Service Benefit17, 19

(due to an emergency condition)250 per confinement

/ per emergency outpatient treatment

Outpatient Treatment for Hand, Foot and Mouth Disease (HFMD) & Dengue Fever

300 per policy year (less 5% of the charges incurred per claim)

Emergency Medical Evacuation & Repatriation17

50,000 per policy year (less 5% of the charges incurred per claim)

Emergency International Medical Assistance Call (65) 6338 6200 for assistance

Benefits of AIA Max VitalHealth A (S$ and includes GST)

Age Next Birthday

Payable by cash only (inclusive of 7% GST)

AIA Max VitalHealth AAIA Max

VitalHealth BAIA Max

VitalHealth B LiteWithout Emergency and Outpatient Care

Booster

With Emergency and Outpatient Care

Booster

1 – 20 314 376 194 126

21 – 30 314 376 212 144

31 – 40 367 429 234 180

41 – 45 432 494 333 266

46 – 50 487 549 333 266

51 – 55 694 756 432 288

56 – 60 892 954 626 396

61 – 65 1,204 1,266 905 675

66 – 70 1,647 1,709 1,494 1,013

71 – 73 1,997 2,059 1,953 1,080

74 – 75 2,227 2,289 1,985 1,080

76 – 7821 2,462 2,524 2,030 1,125

79 – 8021 2,660 2,722 2,030 1,125

81 – 8321 2,822 2,884 2,358 1,179

84 – 8521 2,995 3,057 2,565 1,440

86 – 8821 3,177 3,239 2,718 1,440

89 – 9021 3,370 3,432 2,772 1,575

91 – 9321 3,484 3,546 2,979 1,652

94 – 9521 3,601 3,663 3,186 1,710

96 – 9821 3,722 3,784 3,492 1,890

99 – 10021 3,847 3,909 3,699 2,070

Above 10021 3,847 3,909 3,699 2,070


Note: Premium rates will increase with age and are not guaranteed.

AIA Max VitalHealth Annual Premiums (S$)

AIA HealthShield Gold Max Annual Premiums (S$)

Age Next Birthday

MediShield Life Premium

(Fully payable by MediSave20)

Additional Private Insurance Coverage (includes GST)

AIA HealthShield Gold Max A

AIA HealthShield Gold Max B

AIA HealthShield

Gold Max B Lite


Standard Plan

1 – 20 130 191 102 68 50

21 – 25 195 191 109 70 53

26 – 30 195 247 109 70 53

31 – 35 310 300 168 102 72

36 – 40 310 334 168 102 72

41 – 45 435 754 328 162 112

46 – 50 435 818 328 199 128

51 – 55 630 1,165 460 215 158

56 – 60 630 1,480 501 238 191

61 – 65 755 1,999 730 360 280

66 – 70 815 2,939 1,364 580 420

71 – 73 885 3,903 1,886 860 630

74 – 75 975 4,324 2,039 1,010 788

76 – 7821 1,130 5,642 2,902 1,369 954

79 – 8021 1,175 6,291 2,914 1,369 1,057

81 – 8321 1,250 6,687 2,969 1,418 1,176

84 – 8521 1,430 6,755 3,044 1,467 1,270

86 – 8821 1,500 6,822 3,146 1,630 1,508

89 – 9021 1,500 6,890 3,317 1,895 1,648

91 – 9321 1,530 7,235 3,598 2,071 1,801

94 – 9521 1,530 7,597 3,884 2,255 1,961

96 – 9821 1,530 8,128 4,341 2,550 2,217

99 – 10021 1,530 8,210 4,673 2,762 2,402

Above 10021 1,530 8,210 4,673 2,762 2,402


General Notes:There are certain conditions such as pre-existing conditions, whereby no benefits will be payable. You are advised to read the policy contracts for the full list of exclusions. Some of these exclusions may be covered under MediShield Life.

1 Subject to policy year limit and any overall benefit limits.

2 Refers 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 procedures are not included in this portion of the benefit.

3 Your out-of-pocket expenses is 5% of the medical bills per claim, capped at S$3,000 per policy year if treated and / or admitted by AQHP or in public hospital for all AIA Max VitalHealth plans. If treated / admitted by non AQHP: (1) there is no cap on your out-of-pocket expenses; (2) for AIA Max VitalHealth A, we will only cover the co-insurance as incurred under AIA HealthShield Gold Max, up to S$5,000 per policy year.

4 Premium discount is only applicable to premiums based on a standard life. It is not applicable to any extra premiums due to loading. Discount applicable from the second policy year onwards will depend on the AIA Vitality Status attained. The discount is capped at 15%.

5 Payment via MediSave is subject to the following additional withdrawal limits per Insured per policy year. Any excess amount must be paid by cash. • S$300 for age 1 to 40 next birthday • S$600 for age 41 to 70 next birthday • S$900 for age 71 next birthday and above

6 We shall pay the eligible expenses incurred, subject to any pro-ration factor, deductible and / or co-insurance, any other benefit limits as stated in the benefit table and the terms and conditions of the policy contract.

7 AIA Preferred Providers refer to all public hospitals and our AIA Quality Healthcare Partner private specialists in Singapore which may be introduced or amended by us from time to time at our discretion.

8 For AIA HealthShield Gold Max A, this benefit is not payable if you have made a post-hospitalisation treatment claim for a period of 200 or more days.

9 Waiting period applies for the following benefits. It starts from the policy date, the last reinstatement date or the start date of plan upgrade, whichever is the latest. • 10 months waiting period for Pregnancy Complications Benefit. Please refer to the product summary for the full list of 26 pregnancy complications covered. • 10 months waiting period for Congenital Abnormalities Benefit. Eligible expenses incurred during the first 24 months from date of birth of the child will be reimbursed. • 24 months waiting period for Living Donor Organ Transplant Benefit. The date the recipient of the organ is first diagnosed with organ failure must be after the waiting period.

10 Provided the post-hospitalisation treatment and tests are done in Singapore and within such period as stated in the benefit table.

11 Eligible expenses incurred under the outpatient benefit are not subject to the deductible but are subject to co-insurance.

12 If the eligible expenses incurred in a private hospital or any other private medical institution exceeds the benefit limits for each outpatient treatment, the excess amount will be subject to the pro-ration factor.

13 The final expense benefit and waiver of premium for 1-year benefit (upon Total and Permanent Disability) are not subject to deductible and co-insurance.

14 The benefit expires on the policy anniversary occurring on or after the Insured’s 70th birthday. Please refer to the policy contract for the definition of Total and Permanent Disability.

15 For AIA HealthShield Gold Max A, this benefit is included in the maximum limit per policy year of S$2 million.

16 For ages 82 and above next birthday, please refer to the product summary.

17 These benefits are not payable if the Insured is diagnosed and hospitalised due to a psychiatric condition.

18 AIA Max VitalHealth A must be in-force for a minimum of 2 years. The types of screening may be revised from time to time. Please refer to www.aia.com.sg for details.

19 This benefit is payable only when incurred within 24 hours from the occurrence of an emergency condition arising from an illness / accidental injury that requires confinement, or an accidental injury that requires emergency outpatient treatment.

20 Your MediShield Life premiums may differ depending on your premium subsidies, premium rebates and whether you need to pay for the additional premiums. MediShield Life premiums (including any additional premiums) can be fully paid by MediSave.

21 Premium rates for ages 76 onwards are for renewals only.

About AIA

AIA Group Limited and its subsidiaries (collectively “AIA” or the “Group”) comprise the

largest independent publicly listed pan-Asian life insurance group. It has a presence

in 18 markets in Asia-Pacific – wholly-owned branches and subsidiaries in

Hong Kong, Thailand, Singapore, Malaysia, Mainland China, Korea, the Philippines,

Australia, Indonesia, Taiwan, Vietnam, New Zealand, Macau, Brunei, Cambodia, a 97 per

cent subsidiary in Sri Lanka and a 49 per cent joint venture in India. In April 2019,

AIA was also granted approval as a preferred applicant to operate in Myanmar through

a 100 per cent wholly-owned subsidiary.

The business that is now AIA was first established in Shanghai a century ago in 1919.

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$256 billion as of 30 June 2019.

AIA meets the long-term savings and protection needs of individuals by offering a

range of products and services including life insurance, accident and health insurance

and savings plans. The Group also provides employee benefits, credit life and pension

services to corporate clients. Through an extensive network of agents, partners and

employees across Asia-Pacific, AIA serves the holders of more than 34 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”).

17 | PROTECTION AIA HEALTHSHIELD GOLD MAX AND AIA MAX VITALHEALTH

Important Notes:

These insurance plans are underwritten by AIA Singapore Private Limited (Reg. No. 201106386R) (“AIA”). All insurance applications are subject to AIA’s 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 relevant policy contracts.

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 a MediSave-approved Integrated Shield Plan that comprises MediShield Life administered by the Central Provident Fund Board and an additional private insurance coverage portion administered by AIA. When making a claim, the higher of the benefits computed under both plans will be paid. 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.

Protected up to specified limits by SDIC. This advertisement has not been reviewed by the Monetary Authority of Singapore. The information is correct as at 01 November 2019.

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

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

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Documents

When you’ve taken care of healthcare costs, you can take a ... · Build all-round medical coverage with AIA HealthShield Gold Max and AIA Max VitalHealth. Unexpected medical expenses