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<strong>AIA</strong> HealthShield Gold Max and<br />
Max Essential (for foreigners)<br />
Now covering foreigners 1 too!<br />
Hospital bills in <strong>Singapore</strong> are constantly on the rise. As a foreigner 1<br />
working or living here, a large medical bill can create an overwhelming<br />
financial strain on you, especially since most corporate medical insurance<br />
do not cover medical bills on an ‘as charged’ basis. In an instance, all your<br />
hard-earned money can be wiped out.<br />
That’s why we’ve now made our <strong>AIA</strong> HealthShield Gold Max A available to<br />
you. So you can be assured of the same comprehensive medical benefits 2<br />
at an affordable rate, for a greater peace of mind while you work or live in<br />
<strong>Singapore</strong>.<br />
Have a look at the premiums 3<br />
Attained Age<br />
Next Birthday<br />
<strong>AIA</strong> HealthShield Gold Max A<br />
Annual Premiums inclusive of 7% GST (S$) 4<br />
Insureds who are dependants<br />
of <strong>Singapore</strong> Citizens (SC) /<br />
<strong>Singapore</strong> Permanent Residents<br />
(SPR) 5<br />
Insureds who are foreigners<br />
Insureds who are<br />
non-dependants<br />
of SC /SPR<br />
1 – 20 200 214<br />
21 – 30 232 243<br />
31 - 40 341 354<br />
41 – 50 639 680<br />
51 – 55 1,025 1,060<br />
56 – 60 6 1,147 1,200
What’s more, you can further upgrade your cover with our <strong>AIA</strong> HealthShield Gold Max Essential<br />
A that covers the deductible and co-insurance portions of your hospital bill so that you are<br />
covered from the first dollar!<br />
Have a look at the premiums 7<br />
Attained Age<br />
Next Birthday<br />
<strong>AIA</strong> HealthShield Gold Max Essential A<br />
Annual Premiums inclusive of 7% GST (S$) 4<br />
Insureds who are dependants of<br />
<strong>Singapore</strong> Citizens (SC) /<br />
<strong>Singapore</strong> Permanent Residents (SPR) 5<br />
Insureds who are foreigners<br />
Insureds who are non-dependants<br />
of SC /SPR<br />
1 – 20 350 409<br />
21 – 30 360 409<br />
31 - 40 400 415<br />
41 – 50 460 480<br />
51 – 55 570 600<br />
56 – 60 6 770 800<br />
Premium rates do not remain level throughout the life of the policy and will increase with age. The premiums<br />
quoted are not guaranteed and are expected to be adjusted from time to time in line with our claim experience,<br />
medical inflation cost and general cost of treatment, supplies or medical services in <strong>Singapore</strong>.<br />
1<br />
Refer to foreigners who are dependants (i.e. legal spouse, parents, grandparents and children) of<br />
<strong>Singapore</strong> Citizen (SC) or <strong>Singapore</strong> Permanent Resident (SPR) with a Valid Pass, as well as foreigners<br />
who are non-dependants of SC/SPR and are working, studying or residing in <strong>Singapore</strong> and have a<br />
Valid Pass. Please refer to the <strong>Product</strong> Summary for the list of accepted Valid Passes.<br />
2<br />
<strong>AIA</strong> HealthShield Gold Max A is not available as an integrated Medisave-approved medical insurance<br />
plan, should the insured be a foreigner.<br />
3<br />
Policy Owners who are SC/SPR may use their Medisave funds to pay for the premium(s) of <strong>AIA</strong><br />
HealthShield Gold Max A for their dependants (i.e. legal spouse, parents, grandparents and children)<br />
who are foreigners, subject to a total maximum withdrawal limit of S$800 (or S$1,000 per Insured<br />
per policy year if the Insured is aged between 76 and 80, or S$1,200 per Insured per policy year if<br />
the Insured is aged 81 or above, based on attained age next birthday). For foreigners who are nondependants<br />
of SC/SPR, <strong>AIA</strong> HealthShield Gold Max A premium(s) may only be paid via cash.<br />
4<br />
Monthly payment mode is only available to <strong>AIA</strong> HealthShield Gold Max A and <strong>AIA</strong> HealthShield Gold<br />
Max Essential A issued to Insureds who are foreigners, provided the premiums payable under <strong>AIA</strong><br />
HealthShield Gold Max A is fully paid by cash and not paid by CPF Medisave.<br />
5<br />
Premium rates for Insureds who are dependants of SC/SPR are applicable only if the Policy Owners are<br />
SC/SPR.<br />
6<br />
Maximum entry age is 60 years old next birthday. Premium rates for ages 61 and above next birthday are<br />
for renewal only. Please refer to the <strong>Product</strong> Summary.<br />
7<br />
<strong>AIA</strong> HealthShield Gold Max Essential A premiums may only be paid by cash.<br />
Important Notes:<br />
These insurance plans are underwritten by <strong>AIA</strong> <strong>Singapore</strong> Private Limited (Reg. No. 201106386R) (“<strong>AIA</strong>”).<br />
All insurance applications are subject to <strong>AIA</strong>’s underwriting and acceptance. This brochure insert is not<br />
a contract of insurance. The precise terms and conditions of these plans, including exclusions whereby<br />
the benefits under these plans may not be paid out, are specified in the policy contract. You are advised<br />
to read the policy contract. This is only product information provided by us. You should seek advice<br />
from a qualified adviser if in doubt. Buying health insurance products that are not suitable for you may<br />
impact your ability to finance your future healthcare needs. You are discouraged from switching from an<br />
existing accident and/or health insurance policy to a new one without considering whether the switch<br />
is detrimental, as there may be potential disadvantages with switching. A penalty may be imposed for<br />
early policy termination and the new policy may cost more or have fewer benefits at the same cost.<br />
Information is correct at the time of printing (14 May 2013).<br />
<strong>AIA</strong> <strong>Singapore</strong> Private Limited (Reg. No. 201106386R)<br />
1 Robinson Road, <strong>AIA</strong> Tower, <strong>Singapore</strong> 048542 Monday - Friday 8.45am - 5.30pm<br />
<strong>AIA</strong> Customer Care Hotline: 1800 248 8000 aia.com.sg<br />
SGPD2013006-276-14052013
<strong>AIA</strong> HEALTHSHIELD GOLD MAX<br />
<strong>AIA</strong> HEALTHSHIELD GOLD MAX ESSENTIAL<br />
PROTECTION<br />
Is your Shield plan<br />
keeping up with<br />
the times?<br />
Introducing <strong>AIA</strong> HealthShield Gold Max, a Medisave-approved<br />
medical plan that helps you cope with rising healthcare costs.<br />
aia.com.sg
72 %<br />
of <strong>Singapore</strong>ans agree<br />
that they cannot afford<br />
to get sick these days<br />
due to the high<br />
medical costs*<br />
*Source: <strong>Singapore</strong>’s Emigration Conundrum, The Business Times, 6-7 October 2012
<strong>AIA</strong> HealthShield Gold Max and Max Essential 3<br />
<strong>AIA</strong> HealthShield Gold Max and <strong>AIA</strong> HealthShield Gold Max Essential<br />
represent the basic components of comprehensive health insurance<br />
planning.<br />
Medical or<br />
hospital<br />
expense plans<br />
“I’m concerned about<br />
paying for medical<br />
expenses if I am<br />
hospitalised.”<br />
Hospital income,<br />
or hospital<br />
cash plans<br />
“I’m concerned<br />
about loss of income<br />
or expenses not covered by<br />
my basic medical plan.”<br />
Personal<br />
accident plans<br />
“I’m concerned<br />
about medical bills<br />
and loss of income<br />
if I am injured<br />
in an accident.”<br />
Critical<br />
illness plans<br />
“I’m concerned about<br />
the costs associated<br />
with a major illness,<br />
like Cancer.”
As the common saying goes: your health is your wealth.<br />
It couldn’t be more true<br />
Unexpected medical expenses could represent a significant threat to your finances. If you have<br />
no protection, or only partial protection, the impact on your savings might be substantial. Wise<br />
financial planning involves both saving for the things you want and protecting yourself against the<br />
unexpected. Isn’t it time to consider a plan that helps with both?<br />
<strong>AIA</strong> HealthShield<br />
Gold Max<br />
<strong>AIA</strong> HealthShield Gold<br />
Max is a medical expense<br />
reimbursement plan<br />
that offers protection<br />
against medical bills. It<br />
reimburses your medical<br />
bills up to the amount<br />
charged and offers<br />
unlimited lifetime claims 1 .<br />
You pay:<br />
You pay:<br />
Your medical bill<br />
Co-insurance<br />
Deductible<br />
<strong>AIA</strong> HealthShield<br />
Gold Max +<br />
<strong>AIA</strong> HealthShield<br />
Gold Max Essential<br />
<strong>AIA</strong> HealthShield Gold<br />
Max Essential is an<br />
optional add-on that<br />
fills the gaps of your<br />
<strong>AIA</strong> HealthShield Gold<br />
Max plan by reimbursing<br />
the deductible and<br />
co-insurance portions<br />
of your hospital bill.<br />
This means you enjoy<br />
coverage from the first<br />
dollar.
<strong>AIA</strong> HealthShield Gold Max and Max Essential 4<br />
<strong>AIA</strong> HealthShield Gold Max and <strong>AIA</strong> HealthShield Gold<br />
Max Essential offer affordable lifetime protection against<br />
unexpected medical bills.<br />
About <strong>AIA</strong> HealthShield Gold Max<br />
<strong>AIA</strong> HealthShield Gold Max is a Medisave-approved medical expense<br />
reimbursement plan designed to meet most of the medical expenses you<br />
are likely to incur in public or private hospitals in <strong>Singapore</strong>, to lessen<br />
your financial burden.<br />
<strong>AIA</strong> HealthShield Gold Max offers you a choice of 3 plan types to<br />
match your individual needs, allows unlimited lifetime claims 1<br />
and most of the benefits under <strong>AIA</strong> HealthShield Gold Max A and B<br />
are offered on an ‘as charged’ 2 basis. If you prefer treatment in a lower<br />
ward of class in a public hospital, <strong>AIA</strong> HealthShield Gold Max C will cover most of your hospital<br />
bill up to the stipulated benefit limits 2 , therefore offering you affordable medical coverage.<br />
Enjoy more extensive coverage with these benefits:<br />
• Covers inpatient stay in Community Hospital<br />
• Congenital abnormalities benefit for insured (no waiting period) and female insured’s<br />
biological child 3<br />
• Living donor organ transplant benefits for insured and non-insured donor<br />
• Post-hospitalisation psychiatric treatment<br />
• Additional claim limits and extended post-hospitalisation treatment for 30 critical illnesses<br />
• Waive one year’s premium upon total and permanent disability<br />
Please refer to the Benefit Table for details.<br />
GUARANTEED<br />
lifetime renewal<br />
and unlimited<br />
lifetime claims 1<br />
USE<br />
YOUR<br />
CPF<br />
Affordable premium payments using your CPF<br />
You can simply use your CPF Medisave funds 4 to pay for<br />
<strong>AIA</strong> HealthShield Gold Max premiums for you and your family members.
Benefits of <strong>AIA</strong> HealthShield Gold Max<br />
Limits of Compensation (S$ and inclusive of GST)<br />
Plan Type A B C<br />
Hospital Ward Entitlement<br />
1. Hospitalisation and Surgical Benefits<br />
Daily Room and Board Benefit<br />
Daily ICU Benefit<br />
Community Hospital Benefit (per day)<br />
Surgical Benefit<br />
(include Organ Transplant Benefit and<br />
Stem Cell Transplant Benefit)<br />
• Surgical Procedures 5<br />
• Surgical Implants and Approved<br />
Medical Consumables<br />
• Stereotactic Radiosurgery<br />
2. Pre-Hospitalisation Benefit<br />
(within 100 days before confinement)<br />
Standard Room in<br />
Private Hospital<br />
and below<br />
Standard Room in<br />
Government/<br />
Restructured Hospital<br />
As Charged<br />
As Charged<br />
Standard Room in<br />
Private Hospital<br />
and below<br />
450 per day<br />
900 per day<br />
450 per day<br />
As Charged in<br />
Government/<br />
Restructured Hospital 6<br />
7,000 per treatment<br />
9,600 per procedure<br />
500 per confinement<br />
3. Post-Hospitalisation Benefit<br />
Post-Hospitalisation Treatment<br />
(within 100 days after confinement)<br />
Extended Post-Hospitalisation<br />
Treatment for 30 Critical Illnesses<br />
(within 100 days following the expiry<br />
of Post-Hospitalisation Treatment)<br />
4. Accidental Inpatient Dental<br />
Treatment Benefit<br />
As Charged<br />
Subject to the respective Limits of Compensation<br />
applicable to benefits under points (1) to (3)<br />
1,000 per confinement<br />
5. Pregnancy Complications Benefit 7 As Charged NIL<br />
6. Congenital Abnormalities Benefits<br />
For female insured’s biological child<br />
from birth 8<br />
20,000 per lifetime<br />
Limit to 5,000<br />
per child<br />
16,000 per lifetime<br />
Limit to 4,000<br />
per child<br />
NIL<br />
For insured<br />
Subject to the respective Limits of Compensation<br />
applicable to benefits under points (1) to (3)<br />
7. Living Donor Organ Transplant<br />
Benefits<br />
Insured donating an organ<br />
Non-insured donating an organ to the<br />
insured<br />
60,000<br />
per transplant<br />
40,000<br />
per transplant<br />
20,000<br />
per transplant<br />
8. Emergency Overseas Medical<br />
Treatment Benefit<br />
Subject to the respective Limits of Compensation<br />
applicable to benefits under point (1)
<strong>AIA</strong> HealthShield Gold Max and Max Essential 6<br />
Limits of Compensation (S$ and inclusive of GST)<br />
Plan Type A B C<br />
Hospital Ward Entitlement<br />
9. Psychiatric Treatment Benefits<br />
In-Hospital Psychiatric Treatment<br />
Post-Hospitalisation Psychiatric<br />
Treatment<br />
(within 200 days after confinement)<br />
10. Outpatient Benefits 9<br />
Radiotherapy for cancer<br />
Stereotactic Radiotherapy for cancer<br />
Chemotherapy for cancer<br />
Immunotherapy for cancer<br />
Renal Dialysis<br />
Erythropoietin<br />
Approved Immunosuppressants<br />
prescribed for organ transplant<br />
Standard Room in<br />
Private Hospital<br />
and below<br />
5,000 per policy year<br />
5,000 per policy year<br />
Standard Room in<br />
Government/<br />
Restructured Hospital<br />
As Charged<br />
4,000 per policy year<br />
2,500 per policy year<br />
Standard Room in<br />
Private Hospital<br />
and below<br />
3,500 per policy year<br />
500 per policy year<br />
280 per day<br />
2,000 per treatment<br />
1,240 per month<br />
700 per month<br />
24,000 per policy year<br />
5,000 per policy year<br />
5,000 per policy year<br />
11. Final Expense Benefit 9 5,000 per policy 3,500 per policy 2,500 per policy<br />
12. Waiver of Premium for 1 year Benefit<br />
(upon Total and Permanent<br />
9, 10<br />
Disability)<br />
Waive one year’s premium<br />
13. Extra Cover for 30 Critical Illnesses<br />
Benefit<br />
Maximum Claim Limit<br />
Maximum Limit per policy year<br />
Maximum Limit per lifetime<br />
100,000 per policy year<br />
Unlimited per lifetime<br />
600,000<br />
Unlimited<br />
75,000 per policy year<br />
Unlimited per lifetime<br />
450,000<br />
Unlimited<br />
30,000 per policy year<br />
Unlimited per lifetime<br />
150,000<br />
Unlimited<br />
Pro-ration Factor 6 NIL 70% 50%<br />
Deductible (per policy year)<br />
Below age 82 next birthday 11<br />
C class ward<br />
1,500<br />
B2 class ward<br />
2,000<br />
B1 class ward<br />
2,500<br />
A class ward<br />
3,500<br />
Private Hospital (All ward types, except day<br />
3,500<br />
surgery and short stay ward)<br />
Day surgery/Short stay ward<br />
2,000<br />
Co-insurance 10%<br />
Last Entry Age (next birthday) 75<br />
1,500<br />
2,000<br />
2,500<br />
2,500<br />
2,500<br />
2,000<br />
Maximum Coverage Period<br />
Lifetime
About <strong>AIA</strong> HealthShield Gold Max Essential<br />
<strong>AIA</strong> HealthShield Gold Max Essential is an optional add-on that complements your<br />
<strong>AIA</strong> HealthShield Gold Max plan to cover any deductible or co-insurance portions of your<br />
hospital bill.<br />
Additional valuable benefits include:<br />
• Daily hospital incentive<br />
• Immediate family member accommodation<br />
• Post-hospitalisation alternative medicine (for cancer and stroke)<br />
• Post-hospitalisation home nursing<br />
• Emergency outpatient treatment due to an accident<br />
Are you already adequately protected?<br />
While CPF Medisave, CPF MediShield, and employer-provided health benefits offer some level of<br />
protection for most people, these measures do not add up to a comprehensive lifetime solution:<br />
CPF Medisave<br />
A serious accident or illness could wipe out<br />
your entire account balance.<br />
CPF MediShield<br />
May cover a portion of the medical cost.<br />
Coverage ends when you reach 90 years old.<br />
For more information, please visit www.cpf.gov.sg.<br />
Employee health<br />
benefits<br />
Coverage typically ends when you leave the<br />
company or retire.
<strong>AIA</strong> HealthShield Gold Max and Max Essential 8<br />
Benefits of <strong>AIA</strong> HealthShield Gold Max Essential<br />
Limits of Compensation (S$ and inclusive of GST)<br />
Plan Type A B C<br />
Hospital Ward Entitlement<br />
Standard Room in<br />
Private Hospital<br />
and below<br />
Standard Room in<br />
Government/<br />
Restructured Hospital<br />
Standard Room in<br />
Private Hospital<br />
and below<br />
Deductible and Co-insurance<br />
Covered<br />
Daily Hospital Incentive Benefit 12<br />
250 per day<br />
(Admission in<br />
Government/<br />
Restructured Hospital<br />
B1/B2/C class ward)<br />
150 per day<br />
(Admission in<br />
Government/<br />
Restructured Hospital<br />
A class ward)<br />
150 per day<br />
(Admission in<br />
Government/<br />
Restructured Hospital<br />
B2/C class ward)<br />
100 per day<br />
(Admission in<br />
Government/<br />
Restructured Hospital<br />
B1 class ward)<br />
50 per day<br />
(Admission in<br />
Government/Restructured<br />
Hospital C class ward)<br />
Immediate Family Member<br />
Accommodation Benefit 13<br />
(upon physician’s or specialist’s advice in<br />
writing for period of confinement)<br />
Standard charges<br />
for an additional bed<br />
Standard charges<br />
for an additional bed<br />
Up to 70 per day<br />
Standard charges<br />
for an additional bed<br />
Up to 50 per day<br />
Post-Hospitalisation Alternative<br />
Medicine Benefit 13<br />
for cancer and stroke<br />
(within 100 days after confinement)<br />
Post-Hospitalisation Home Nursing<br />
Benefit 13<br />
(within 26 weeks after confinement)<br />
Emergency Outpatient Treatment due to<br />
Accident Benefit<br />
5,000 per policy year 3,000 per policy year 1,000 per policy year<br />
500 per day<br />
5,000 per policy year<br />
300 per day<br />
3,000 per policy year<br />
100 per day<br />
1,000 per policy year<br />
2,000 per policy year 1,000 per policy year 500 per policy year
Annual Premiums (S$ and inclusive of GST)<br />
Age Next Birthday<br />
<strong>AIA</strong> HealthShield Gold Max<br />
A B C<br />
1 - 20<br />
200<br />
21 - 30<br />
232<br />
31 - 40<br />
341<br />
41 - 50<br />
639<br />
51 - 55<br />
1,025<br />
56 - 60<br />
1,147<br />
61 - 65<br />
1,667<br />
66 - 70<br />
2,250<br />
71 - 73<br />
2,831<br />
74 - 75 14 3,162<br />
143<br />
165<br />
258<br />
518<br />
763<br />
800<br />
1,119<br />
1,827<br />
2,339<br />
2,570<br />
110<br />
136<br />
207<br />
345<br />
500<br />
533<br />
723<br />
925<br />
1,219<br />
1,414<br />
Age Next Birthday<br />
<strong>AIA</strong> HealthShield Gold Max Essential<br />
A B C<br />
1 - 20<br />
330<br />
21 - 30<br />
350<br />
31 - 40<br />
390<br />
41 - 50<br />
430<br />
51 - 55<br />
530<br />
56 - 60<br />
730<br />
61 - 65<br />
1,120<br />
66 - 70<br />
1,730<br />
71 - 73<br />
2,220<br />
74 - 75 14 2,260<br />
215<br />
235<br />
260<br />
370<br />
480<br />
695<br />
1,005<br />
1,660<br />
2,170<br />
2,205<br />
140<br />
160<br />
190<br />
295<br />
435<br />
525<br />
825<br />
1,125<br />
1,345<br />
1,565<br />
Premium rates do not remain level throughout the life of the policy and will increase with age.<br />
The premiums quoted are not guaranteed and are expected to be adjusted from time to time in line<br />
with our claim experience, medical inflation cost and general cost of treatment, supplies or medical<br />
services in <strong>Singapore</strong>.
<strong>AIA</strong> HealthShield Gold Max and Max Essential 10<br />
Example<br />
Mr Khor, a 32-year-old sales engineer is covered under the <strong>AIA</strong> HealthShield Gold Max A with<br />
<strong>AIA</strong> HealthShield Gold Max Essential A plan. After experiencing an unexplained weight loss and<br />
blood in his stool, he visited a specialist for a colonoscopy examination, which revealed a stage 3<br />
colon cancer. He was hospitalised in a Government Hospital A class ward for 30 days and underwent<br />
surgery. After being discharged from the hospital, Mr Khor went for chemotherapy treatments for a<br />
year. His condition has now stabilised.<br />
The following table illustrates the list of benefits and claims payable by <strong>AIA</strong>:<br />
Medical Expenses<br />
Amount Payable (S$)<br />
Pre-Hospitalisation Benefit (specialist consultation and colonoscopy) 549<br />
Hospitalisation and Surgical Benefits<br />
• Daily Room and Board (30 days in Government Hospital A ward)<br />
• Surgery<br />
Outpatient Benefit<br />
• Chemotherapy for cancer<br />
27,243<br />
10,590<br />
31,458<br />
Total medical expenses subject to Deductible and Co-insurance<br />
Less Deductible (not applicable to Outpatient Benefit)<br />
69,840 (X)<br />
3,500 (Y)<br />
Balance less Deductible 66,340<br />
Less 10% Co-insurance (10% x S$66,340)<br />
<strong>AIA</strong> HealthShield Gold Max A pays<br />
<strong>AIA</strong> HealthShield Gold Max Essential A pays:<br />
• Deductible and Co-insurance<br />
• Daily hospital incentive (S$150 x 30 days)<br />
6,634 (Z)<br />
59,706 (X–Y–Z)<br />
10,134 (Y+Z)<br />
4,500<br />
Mr Khor pays 0
Frequently Asked Questions<br />
It is always our intention to write in plain English, and to be as transparent as possible when<br />
describing our products. The questions and answers below reflect the most common concerns<br />
raised by our customers. If you have any other questions not addressed here, please ask your<br />
<strong>AIA</strong> Financial Services Consultant for more information. Alternatively, you may visit our website<br />
at aia.com.sg or contact our <strong>AIA</strong> Customer Care Hotline at 1800 248 8000.<br />
Q1. Am I eligible to apply for <strong>AIA</strong> HealthShield Gold Max for myself and my family members?<br />
You can apply for <strong>AIA</strong> HealthShield Gold Max for yourself and your family members<br />
(grandparents, parents, spouse or children) if you and your family members are <strong>Singapore</strong>ans or<br />
<strong>Singapore</strong> Permanent Residents aged 75 years or below on your/their next birthday.<br />
Q2. How can I pay premiums for myself and my family members?<br />
<strong>AIA</strong> HealthShield Gold Max premiums can be paid from your CPF Medisave account, subject to the<br />
CPF Medisave withdrawal limit 4 . If you have insufficient funds in your CPF Medisave account, or if<br />
your premium exceeds the CPF Medisave withdrawal limit 4 , the balance of the premium payment<br />
must be made by cash. <strong>AIA</strong> HealthShield Gold Max Essential premiums can only be paid by cash.<br />
Q3. Will my premium change when I renew my policy?<br />
Your premium will change as you move into the next age group.<br />
Q4. Are these plans guaranteed renewable?<br />
Yes, they are guaranteed yearly renewable on your policy anniversary date by payment of the<br />
annual premium in advance before the end of the grace period.<br />
Q5. Do I have to take a medical examination?<br />
Subject to underwriting, you may be required to take a medical examination.<br />
Q6. What are deductible and co-insurance?<br />
The deductible is a fixed amount of up to a stipulated amount on a policy year basis that you have<br />
to pay first before the benefits are paid. The co-insurance is a fixed percentage of the medical bill<br />
that you have to pay after deducting the deductible amount.<br />
Q7. What conditions are excluded under these plans?<br />
Exclusions common to many medical expense reimbursement plans apply to <strong>AIA</strong> HealthShield<br />
Gold Max and <strong>AIA</strong> HealthShield Gold Max Essential, including:<br />
• Pre-existing conditions, which means any illness or condition that occurred before the date<br />
your policy began or the date your policy was last reinstated, whichever is later (unless a<br />
declaration has been made by the Insured at the time of application or reinstatement of the<br />
policy and we have specifically accepted the application).<br />
• Treatment for infertility, sub-fertility, assisted conception or any contraceptive operation<br />
and sex change operations.<br />
• Treatment arising from injuries sustained during wars (whether war be declared or not), civil<br />
commotion, riots, revolutions, strikes, nuclear reaction or any war-like operations.
<strong>AIA</strong> HealthShield Gold Max and Max Essential 12<br />
There are other conditions whereby the benefits under these plans will not be payable. You are<br />
advised to read the policy contracts for the full list of exclusions.<br />
Q8. Is there a waiting period before I am eligible for certain benefits?<br />
There are waiting periods applicable to some benefits under these plans. Such benefits shall<br />
not be payable if the condition relating to or covered by the benefits is diagnosed during the<br />
waiting period. These waiting periods start from the date your respective plan began, the last<br />
reinstatement date of your respective plan (if any) or effective date of plan upgrade (if any),<br />
whichever is latest.<br />
(i) For pregnancy complications benefit, a waiting period of 10 months applies.<br />
(ii) For congenital abnormalities of insured’s biological child from birth, a waiting period of<br />
10 months applies.<br />
(iii) For insured (as living donor) donating an organ, a waiting period of 24 months applies.<br />
The date the recipient of the organ is first diagnosed with organ failure must be after the<br />
24 months waiting period.<br />
Q9. Can I buy <strong>AIA</strong> HealthShield Gold Max Essential after my <strong>AIA</strong> HealthShield Gold Max plan<br />
is incepted?<br />
Yes you can. However, the waiting periods applicable to benefits under <strong>AIA</strong> HealthShield Gold<br />
Max Essential will start from the inception date or the last reinstatement date of the rider,<br />
whichever is later. Please refer to the policy contract for more information.<br />
Q10. How will I receive my claim payout?<br />
Most benefits payable under the plans are paid on a reimbursement basis (except for Waiver of<br />
Premium Benefit (upon Total and Permanent Disability) under <strong>AIA</strong> HealthShield Gold Max and<br />
Daily Hospital Incentive Benefit under <strong>AIA</strong> HealthShield Gold Max Essential), which means that<br />
any claim needs to be supported by original hospital or medical bills.<br />
Q11. Can I change my mind and cancel the policy after I’ve purchased?<br />
Yes you can. You may cancel <strong>AIA</strong> HealthShield Gold Max by writing to us within 2 calendar<br />
months from the date you receive your <strong>AIA</strong> HealthShield Gold Max policy document (free-look<br />
period). You may cancel <strong>AIA</strong> HealthShield Gold Max Essential by writing to us within 14 days<br />
from the date you receive your <strong>AIA</strong> HealthShield Gold Max Essential policy document (free-look<br />
period) or within the free-look period of your <strong>AIA</strong> HealthShield Gold Max (whichever is later).
1<br />
Subject to policy year limit and any overall benefit limits.<br />
2<br />
We shall pay the Eligible Expenses incurred, subject to any applicable Pro-ration Factor,<br />
Deductible and/or Co-insurance and any other benefit limits as stated in the Benefit Table and<br />
subject to the terms and conditions of the policy contract.<br />
3<br />
This benefit is not applicable to <strong>AIA</strong> HealthShield Gold Max C plan.<br />
4<br />
The current Medisave withdrawal limit per Insured per policy year is:<br />
• S$800 for age 75 and below next birthday<br />
• S$1,000 for age 76 to 80 next birthday<br />
• S$1,200 for age 81 and above next birthday<br />
5<br />
Surgical Procedures refer to the types of surgical operations listed in the “Table of Surgical<br />
Procedures” under the Medisave Scheme operated by the Ministry of Health excluding all<br />
surgical operations stated in the General Exclusions and any other surgical operations that<br />
are not specified in the “Table of Surgical Procedures”. The costs of any surgical implants,<br />
Approved Medical Consumables and/or Stereotactic Radiosurgery procedure are not included<br />
in this portion of the benefit.<br />
6<br />
For <strong>AIA</strong> HealthShield Gold Max B, all Eligible Expenses incurred are subject to the Pro-ration<br />
Factor, if such expenses are incurred in a private hospital/private medical institution or<br />
any hospital outside of <strong>Singapore</strong>. For <strong>AIA</strong> HealthShield Gold Max C, only Eligible Expenses<br />
incurred for Surgical Procedures under Surgical Benefit is subject to the Pro-ration Factor if<br />
such expenses are incurred in a private hospital/private medical institution or any hospital<br />
outside of <strong>Singapore</strong>.<br />
7<br />
Pregnancy complications covered are Ectopic pregnancy, Pre-eclampsia or eclampsia,<br />
Disseminated Intravascular Coagulation (DIC), Miscarriage (after 21 weeks of pregnancy),<br />
Acute Fatty Liver Pregnancy and Choriocarcinoma and Hydatidiform Mole.<br />
8<br />
Reimburse Eligible Expenses incurred during the first 24 months from date of birth of the child.<br />
9<br />
Eligible Expenses incurred under the Outpatient Benefit are not subject to the Deductible but<br />
are subject to Co-insurance. The Final Expense Benefit and Waiver of Premium for 1 Year Benefit<br />
(upon TPD) are not subject to either the Deductible or Co-insurance. Eligible Expenses incurred<br />
under all other benefits are subject to the Deductible and Co-insurance.<br />
10<br />
The benefit expires on the policy anniversary occurring on or immediately following the<br />
insured’s 70 th birthday. Please refer to the policy contract for the exact definitions of Total<br />
Permanent Disability.<br />
11<br />
For ages 82 and above next birthday, please refer to the product summary.<br />
12<br />
Exclude day surgery, short stay ward in an emergency department of a hospital, hospitalisation<br />
in a community hospital, hospitalisation overseas due to emergency and hospitalisation due to<br />
psychiatric condition.<br />
13<br />
These benefits are not payable if the insured is diagnosed and confined in a hospital due to a<br />
psychiatric condition.<br />
14<br />
Maximum entry age is 75 years old next birthday. Premium rates for ages 76 and above next<br />
birthday are for renewal only. Please refer to the product summary.<br />
Important Notes:<br />
These insurance plans are underwritten by <strong>AIA</strong> <strong>Singapore</strong> Private Limited (Reg. No. 201106386R)<br />
(“<strong>AIA</strong>”). All insurance applications are subject to <strong>AIA</strong>’s underwriting and acceptance. This<br />
brochure is not a contract of insurance. The precise terms and conditions of these plans,<br />
including exclusions whereby the benefits under these plans may not be paid out, are specified<br />
in the relevant policy contracts. You are advised to read the policy contracts. This is only product<br />
information provided by us. You should seek advice from a qualified adviser if in doubt. Buying<br />
health insurance products that are not suitable for you may impact your ability to finance your<br />
future healthcare needs. You are discouraged from switching from an existing accident and/or<br />
health insurance policy to a new one without considering whether the switch is detrimental, as<br />
there may be potential disadvantages with switching. A penalty may be imposed for early policy<br />
termination and the new policy may cost more or have fewer benefits at the same cost. <strong>AIA</strong><br />
HealthShield Gold Max is issued under a joint insurance arrangement with the Central Provident<br />
Fund (CPF) Board to enhance the coverage provided by MediShield. Please note that you can use<br />
your CPF Medisave account to purchase only one Medisave-approved medical insurance scheme<br />
per Insured at any one time. The information is correct at the time of printing (16 January 2013).
About <strong>AIA</strong> Group<br />
<strong>AIA</strong> HealthShield Gold Max and Max Essential 14<br />
<strong>AIA</strong> Group Limited and its subsidiaries (collectively “<strong>AIA</strong>” or “the Group”) comprise the<br />
largest independent publicly listed pan-Asian life insurance group. It has operations<br />
in 16 markets in Asia Pacific – wholly owned branches and subsidiaries in Hong Kong,<br />
Thailand, <strong>Singapore</strong>, Malaysia, China, Korea, the Philippines, Australia, Indonesia,<br />
Taiwan, Vietnam, New Zealand, Macau, Brunei, a 92 per cent subsidiary in Sri Lanka<br />
and a 26 per cent joint-venture in India.<br />
The business that is now <strong>AIA</strong> was first established in Shanghai over 90 years ago. It is<br />
a market leader in the Asia Pacific region (ex-Japan) based on life insurance premiums<br />
and holds leading positions across the majority of its markets. It had total assets of<br />
US$119,494 million as of 31 May 2012.<br />
<strong>AIA</strong> meets the savings and protection needs of individuals by offering a range of<br />
products and services including retirement savings plans, life insurance and accident<br />
and health insurance. The Group also provides employee benefits, credit life and pension<br />
services to corporate clients. Through an extensive network of agents and employees<br />
across Asia Pacific, <strong>AIA</strong> serves the holders of more than 24 million individual policies and<br />
over 10 million participating members of group insurance schemes.<br />
<strong>AIA</strong> Group Limited is listed on the Main Board of The Stock Exchange of Hong Kong<br />
Limited under the stock code “1299” with American Depositary Receipts (Level 1) traded<br />
on the over-the-counter market (ticker symbol: “AAGIY”).
<strong>AIA</strong> <strong>Singapore</strong> Private Limited<br />
(Reg. No. 201106386R)<br />
1 Robinson Road, <strong>AIA</strong> Tower, <strong>Singapore</strong> 048542<br />
Monday - Friday 8.45am - 5.30pm<br />
<strong>AIA</strong> Customer Care Hotline: 1800 248 8000<br />
aia.com.sg<br />
SGPD2013001-186-16012013 TM3300080 (01/2013)