Newest Update to AIA HealthShield Gold Max and Riders 2020!

Newest change to AIA Healthshield Gold Max A: 

- 85% pro-ration factor will apply on your eligible bill if pre-authorisation is NOT activated with a non preferred provider and NOT an emergency hospitalisation.

In this latest update, premiums for riders have also increased. Having said so, AIA Healthshield Gold Max (HSG) remains one of our preferred shield plans to recommend, find out why...

Overview of AIA HealthShield Gold Max & Riders

​Few words before we move on, riders under the Max Essential series are not available for new purchases anymore.

If you are on Max Essential A, consider converting it to Max Essential A Saver.

There will be premium savings and you get to keep 100% coverage (if within AIA panel of doctors). For a downgrade to government hospital during an inpatient, there will still some hospital cash benefits.*

*Refer to policy conditions

The Max VitalHealth is the 5% co-payment rider you can buy if you are making a purchase now.

Previous premium increment of 5-12% for plan A and 0-10% for plan B

Premiums for HealthShield Gold Max (HSG) Max A & B were already increased on 11/11/19.

Do take note of the additional withdrawal limits on Medisave. 

People in age (next birthday) band 36 - 40 years old under HSG Max A will have to fork out some cash outlay ($34) going forward.

NEW: Premium increment of 25% for Vitalhealth and 10-19% for Essential A and 27% for Essential A Saver

Below is the newest premium for VitalHealth rider.

This will be the ONLY rider if you are looking for a new purchase of plan today. Source

Next, the premium for Essential And Essential A Saver plan for existing customers.

I've advocated the Essential A Saver quite a bit to private clients but premiums are rising fast also for it.

Quick notes on comparison.

1) You'd realise that Essential A plan can really costly.

2) Essential A Saver is still 40-60% cheaper than Essential A

3) Vitalhealth A "without emergency booster" is about 15% cheaper than Essential A Saver.

If you want to find out how to plan your coverage differently, contact me below or email to josh.tan@promiseland.com.sg.

Click on WhatsApp button above or reach me on this page for comprehensive insurance planning 

NEW: 85% pro-ration for NON pre-authorised claims

Book an appointment before seeing a non-emergency medical complain because this 85% pro-ration is really a big disincentive! If you are going A&E then it's ok.

In any case, if you choose NON preferred AQHP provider, it means you'd also miss out on the 13 months pre/post hospitalisation (becomes 100days) and the $2m max limit (becomes $1m) if you are on HSG Max A.

In addition, the max you'd co-pay on a vitalhealth rider is only $3,000 when you are on preferred AQHP provider. Hence, always go AQHP and get pre-authorised. Link AQHP here.

AIA HSG Has HIGHEST pregnancy complication coverage 

​These enhancements affect both A and B plans.

Pregnancy Complication now covers 19 more conditions from the original 7.

More conditions are always welcomed.

​There is a 10 month waiting period for pregnancy complications, so if you are pregnant or suspect to be pregnant now​.

Do not switch out your exisiting plans for this benefit, you will not be covered.

No fret, as Medishield Life has undergone changes to include these conditions (24 conditions) as well, so you are covered at that basic level.

​​We also ​know its a matter of time that other insurers to include this.

​If you are looking to boost your coverage for pregnancy complications, it is beneficial to explore maternity plans as they include more comprehensive coverage for your child​ compared to your own shield plans​​​.

Click on either plans to find out more.

Previous update: Benefits for non-panel providers under Max VitalHealth A

AIA Max VitalHealth A reimburses the Co-insurance as incurred under AIA HealthShield Gold Max up to $5,000 per policy year for private non-panel providers.

It is still subject to 5% co-payment per claim

Previously, when this is not covered at all, admission or treatment by non-panel will have to pay co-insurance as if there is no riders.

Note: VitalHealth series is the current riders available for application together with AIA HSG plans.

This is a minor change, but still crucial and important.

It seems to be one of the rare instances where there is some form of extra coverage for non-panel treatments.

​We are hoping other insurers take up this as well for their private hospital plans.

It's also good to know that the rider premiums remain the same. This is also a rare occurrence these days that it can be considered a unique selling point in their features. 

Previous update: Early detection benefit with Max VitalHealth A

These are 2 key screening benefits provided now which I feel is medically very useful. Do note there are VitalHealth A, Essential A and Essential A Saver.

  1. Colonoscopy for age 50 and above (once every 10 years)
  2. Mammogram for women age 40 – 69 (once every 2 years)

Note: 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.

HSG Max B Policy Annual Limit is now $1M and possibly highest in market now!

We will cover the revisions on the other plans. But this further enhancement is really too good an enhancement not to mention ahead of the others

Policy Year Limit increase from $450k to $1M!!!

Pre & Post Hospitalisation benefit is now extended from 100 days to 180 days.

This is also a good enhancement to HSG Max B but it pales in comparison to the increase in policy annual limits.

This is one of the strongest features, it slings AIA to the top of the charts for it's policy limit of $1M.

If you thought $1m is unnecessary, there is this story of a $1,018,469.29 bill for medical care after a battle with cancer.


We love that AIA shield plan has more benefits now. If you'd like to see the brochure click here.

Even when it is widely considered one of the best shield providers for its many "highest in the industry" features and high premiums is not one of them. 

Healthshield goldmax A covers up to private hospitals and B covers to government A wards.

In addition, AIA Healthshield Gold Max covers newborns with no waiting period for congenital conditions.

Above is a story of how a family has massively benefited from this benefit. Their child is still an insured under AIA HSG and claims made is in excess of $700k already, massively helping the family.

If you want to find out how to plan your coverage differently, contact me below or email to josh.tan@promiseland.com.sg.

Click on WhatsApp button above or reach me on this page for comprehensive insurance planning 

Last updated on September 15th, 2020 at 02:28 pm

The Astute Parent

A parent who has a sharp acumen on sieving through 'alien' financial jargon to dish out bite size financial tips from a parent's perspective.

2 responses to “Newest Update to AIA HealthShield Gold Max and Riders 2020!”

    • Hi Kelvin, Max A Saver has more restrictions to be panel specialist. Frills like “downgrade ward for hospital cash” is also lesser. Usually I advocate on Max A Saver to private clients. Hope it helps

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