AIA HealthShield Gold Max and

Max Essential (for foreigners)

Now covering foreigners1 too!

Hospital bills in Singapore are constantly on the rise. As a foreigner1

working or living here, a large medical bill can create an overwhelming
financial 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 benefits2
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 A
Annual Premiums inclusive of 7% GST (S$)4
Attained Age
Next Birthday

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

PD_AIA_HSG_Max_Foreigner_Buckslip_2pp_FINAL.indd 1

10/31/13 6:57 PM

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 first dollar!
Have a look at the premiums7
AIA HealthShield Gold Max Essential A
Annual Premiums inclusive of 7% GST (S$)4
Attained Age
Next Birthday

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

350

409

21 30

360

409

31 - 40

400

415

41 50

460

480

51 55

570

600

56 606

770

800

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.
AIA HealthShield Gold Max A is not available as an integrated Medisave-approved medical insurance
plan, should the insured be a foreigner.
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.
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.
Premium rates for Insureds who are dependants of SC/SPR are applicable only if the Policy Owners are
SC/SPR.
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.
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 benefits under these plans may not be paid out, are specified 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 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.
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

PD_AIA_HSG_Max_Foreigner_Buckslip_2pp_FINAL.indd 2

SGPD2013006-360-01112013 TM3300098 (06/2013 11/2013)

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.

10/31/13 6:57 PM

Protection
AIA HEALTHSHIELD GOLD MAX
AIA HEALTHSHIELD GOLD MAX ESSENTIAL

Is your Shield plan

keeping up with
the times?

Introducing AIA HealthShield Gold Max,

a Medisave-approved medical plan that
help you cope with rising healthcare costs.

aia.com.sg

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

AIA HealthShield Gold Max and AIA HealthShield Gold Max

Essential represent the basic components of comprehensive
health insurance planning.

Medical
expens or hospital
e plans

Im con
ce
for med rned about pay
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ica
hospital l expenses if I a
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m

Disability inco
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plans
Im concerne
d about loss
of income for
3 months or
more due to di
sability throug
h
accident
or illness.

Personal
accident plans
Im concerned
about medical bills
and loss of income
if I am injured
in an accident.

Hos

pita
l
or hincome
osp ,
c
Im ash p ital
con
cern lans
ed
ex loss

by m pens of inc abou

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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 HealthShield
Gold Max

Your medical bill

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.
You pay:

Co-insurance

You pay:

Deductible

AIA HealthShield
Gold 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 coinsurance portions
of your hospital bill.
This means you enjoy
coverage from the
first dollar.

AIA HealthShield Gold Max and Max Essential

AIA HealthShield Gold Max and AIA HealthShield Gold

Max Essential offer affordable lifetime protection
against unexpected medical bills.
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.

ED
ANTE
GUAR e renewal
lifetim

ited

lim
AIA HealthShield Gold Max offers you a choice of 3 plan types
1
and un
claims
e
im
t
to match your individual needs, allows unlimited lifetime
fe
li
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 limits 2, 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.

USE
YOUR

CPF

Affordable premium payments using your CPF

You can simply use your CPF Medisave funds 4 to pay for
AIA HealthShield Gold Max premiums for you and your family
members.

Benefits of AIA HealthShield Gold Max

Limits of Compensation (S$ and inclusive of GST)
Plan Type
Hospital Ward Entitlement

Standard 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)

450 per day

900 per day
450 per day

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

As Charged

Surgical Procedures5

As Charged in
Government/
Restructured Hospital6

Surgical Implants and Approved

Medical Consumables

7,000 per treatment

Stereotactic Radiosurgery

9,600 per procedure

2. Pre-Hospitalisation Benefit
(within 100 days before confinement)

As Charged

500 per confinement

As Charged

1,000 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)
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

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

For insured
7. Living Donor Organ Transplant
Benefits
Insured donating an organ
Non-insured donating an organ to
the insured
8. Emergency Overseas Medical
Treatment Benefit

As Charged
20,000 per lifetime
Limit to 5,000
per child

16,000 per lifetime

Limit to 4,000
per child

NIL

NIL

Subject to the respective Limits of Compensation

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

60,000
per transplant

40,000
per transplant

20,000
per transplant

Subject to the respective Limits of Compensation

applicable to benefits under point (1)

AIA HealthShield Gold Max and Max Essential

Limits of Compensation (S$ and inclusive of GST)

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

Standard Room in
Private Hospital
and below

Standard Room in
Government/
Restructured Hospital

Standard Room in
Private Hospital
and below

5,000 per policy year

5,000 per policy year

4,000 per policy year

2,500 per policy year

Private Hospital
and Government/
Restructured Hospital

Private
Hospital

3,500 per policy year

500 per policy year

10. Outpatient Benefits9

Type of Hospital
Radiotherapy for cancer
Stereotactic Radiotherapy for cancer
Chemotherapy for cancer
Immunotherapy for cancer
Renal Dialysis
Erythropoietin
Approved Immunosuppressants
prescribed for organ transplant
11. Final Expense Benefit9

Government/
Restructured
Hospital

Private Hospital
and Government/
Restructured Hospital

As

280 per day

2,000 per treatment
1,240 per month
700 per month
24,000 per policy year
5,000 per policy year
5,000 per policy year

500 per day10

4,000 per treatment10
36,000 per policy year10

As Charged

24,000 per policy year10

36,000 per policy year10 Charged

7,200 per policy year10
7,200 per policy year10

5,000 per policy

12. Waiver of Premium for 1 year Benefit

(upon Total and Permanent
Disability)9, 11

3,500 per policy

2,500 per policy

Waive one years premium

13. Extra Cover for 30 Critical

Illnesses Benefit

100,000 per policy year

Unlimited per lifetime

75,000 per policy year

Unlimited per lifetime

30,000 per policy year

Unlimited per lifetime

Maximum Claim Limit

Maximum Limit per policy year
Maximum Limit per lifetime

600,000
Unlimited

450,000
Unlimited

150,000
Unlimited

NIL

70%

50%

Pro-ration Factor6
Deductible (per policy year)
Below age 82 next birthday12
C class ward
B2 class ward
B1 class ward
A class ward
Private Hospital (All ward types, except
day surgery and short stay ward)
Day surgery/Short stay ward
Co-insurance
Last Entry Age (next birthday)
Maximum Coverage Period

1,500
2,000
2,500
2,500
2,500

1,500
2,000
2,500
3,500
3,500

2,000

2,000
10%
75
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:

CPF Medisave

A serious accident or illness could wipe

out your entire account balance.

CPF MediShield

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.

Employee health
benefits

Coverage typically ends when you leave the

company or retire.

AIA HealthShield Gold Max and Max Essential

Benefits of AIA HealthShield Gold Max Essential

Limits of Compensation (S$ and inclusive of GST)
Plan Type
Hospital Ward Entitlement

Standard Room in
Private Hospital
and below

Standard Room in
Government/
Restructured Hospital

Standard Room in
Private Hospital
and below

Deductible and Co-insurance

Daily Hospital Incentive Benefit13

Covered
150 per day
250 per day
(Admission in
(Admission in
Government/
Government/
Restructured Hospital Restructured Hospital
B2/C class ward)
B1/B2/C class ward)
100 per day
150 per day
(Admission in
(Admission in
Government/
Government/
Restructured Hospital Restructured Hospital
B1 class ward)
A 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

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 Benefit14
for 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 day

5,000 per policy year

300 per day

3,000 per policy year

100 per day

1,000 per policy year

Emergency Outpatient Treatment due to

2,000 per policy year
Accident Benefit

1,000 per policy year

500 per policy year

Annual Premiums (S$ and inclusive of GST)

AIA HealthShield Gold Max
Age Next Birthday
A

1 - 20

200

143

110

21 - 30

232

165

136

31 - 40

341

258

207

41 - 50

639

518

345

51 - 55

1,025

763

500

56 - 60

1,147

800

533

61 - 65

1,667

1,119

723

66 - 70

2,250

1,827

925

71 - 73

2,831

2,339

1,219

74 - 7515

3,162

2,570

1,414

AIA HealthShield Gold Max Essential

Age Next Birthday
A

1 - 20

330

215

140

21 - 30

350

235

160

31 - 40

390

260

190

41 - 50

430

370

295

51 - 55

530

480

435

56 - 60

730

695

525

61 - 65

1,120

1,005

825

66 - 70

1,730

1,660

1,125

71 - 73

2,220

2,170

1,345

74 - 7515

2,260

2,205

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.

AIA HealthShield Gold Max and Max Essential

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
Pre-Hospitalisation Benefit (specialist consultation and colonoscopy)
Hospitalisation and Surgical Benefits
Daily Room and Board (30 days in Government Hospital A ward)
Surgery
Outpatient Benefit
Chemotherapy for cancer
Total medical expenses subject to Deductible and Co-insurance

Amount Payable (S$)

549
27,243
10,590
31,458
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)

AIA HealthShield Gold Max A pays

6,634 (Z)
59,706 (XYZ)

AIA HealthShield Gold Max Essential A pays:

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

10,134 (Y+Z)
4,500
0

10

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.

AIA HealthShield Gold Max and Max Essential

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).

12

1
2

3
4

8
9

10

11

12
13

14
15

Subject to policy year limit and any overall benefit limits.

We shall pay the Eligible Expenses incurred, subject to any applicable Pro-ration Factor, Deductible and/or Coinsurance and any other benefit limits as stated in the Benefit Table and subject to the terms and conditions of
the policy contract.
This benefit is not applicable to AIA HealthShield Gold Max C plan.
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
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.
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.
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.
Reimburse Eligible Expenses incurred during the first 24 months from date of birth of the child.
Eligible Expenses incurred under the Outpatient Benefit are not subject to the Deductible but are subject to Coinsurance. 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.
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.
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.
For ages 82 and above next birthday, please refer to the product summary.
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.
These benefits are not payable if the insured is diagnosed and confined in a hospital due to a psychiatric condition.
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).

AIA HealthShield Gold Max and Max Essential

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).

14

AIA Singapore Private Limited

(Reg. No. 201106386R)

SGPD2013001-387-13012014

1 Robinson Road, AIA Tower, Singapore 048542

Monday - Friday 8.45am - 5.30pm
AIA Customer Care Hotline: 1800 248 8000
aia.com.sg