#1
AIA HealthShield Gold Max A + Max VitalHealth Private Rider
~S$980/yr (MediSave + Rider)(S$980)
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AIA HealthShield Gold Max A + Max VitalHealth Private Rider by [AIA Singapore](/entity/aia-singapore) covers Private Hospital (Standard Single Room) admissions up to S$2,000,000/year with a 5% panel co-payment capped at S$3,000/year.
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AIA HealthShield Gold Max A + Max VitalHealth Private Rider by AIA Singapore covers Private Hospital (Standard Single Room) admissions up to S$2,000,000/year with a 5% panel co-payment capped at S$3,000/year.
Key Metrics
Specifications
MOH IP InsurerAIA Singapore
Target Hospital WardPrivate Hospital (Standard Single Room)
Annual Policy LimitS$2,000,000
Rider Co-Pay & Stop-Loss: 5% (S$3,000/yr panel cap)
MediSave AWL UsableUp to S$600/yr (age-tiered S$300–S$900)
Ref
Annual Total (Age35): ~S$980/yr
Pros and Cons
Pros
- Up to S$2,000,000 annual limit when using 500+ AIA Quality Healthcare Partners specialists
- S$3,000 annual co-payment cap (5% MOH floor) with pre-authorisation and 13 months pre/post-hospitalisation cover
Cons
- Non-panel private specialists incur higher co-payment cap and lower annual policy limit unless emergency
- Subject to AIA Singapore Singapore Key Facts Sheet & campaign T&Cs
Eligibility
- Singapore Citizens and Permanent Residents insured under MediShield Life
- base IP payable via CPF MediSave up to Additional Withdrawal Limits (cash required for rider). AIA Vitality up to 15% rider discount + Teladoc global second opinion
Things to Watch Out For
- Non-panel private specialists incur higher co-payment cap and lower annual policy limit unless emergency
- Subject to AIA Singapore Singapore Key Facts Sheet & campaign T&Cs
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