AIA · Class A ward

HealthShield Gold Max A

Integrated Shield Plan by AIA. Private insurance premium from S$310/yr, across 24 premium data points by age band. Figures are from verified official premium tables.

By MoneyAtlas Research · Verified 12 Jul 2026 · How we verify & rank

Last verified 12 Jul 2026 · 8 official sources · v21

Last verified12 Jul 2026

Data versionv21-rider-status-cleanup

Verified sources8 of 8

Figures are normalised from official insurer and government sources. Confirm against the latest illustration before any product discussion.

Spotted a figure that looks wrong or out of date? Report a data error— we’ll check it and correct it openly.

Premiums by age

Age	Private insurance premium /yr	MediShield Life /yr	Est. cash outlay /yr
1-20	S$310	S$200	S$10
21-25	S$310	S$295	S$10
26-30	S$399	S$295	S$99
31-35	S$484	S$503	S$184
36-40	S$539	S$503	S$239
41-45	S$1,216	S$637	S$616
46-50	S$1,319	S$637	S$719
51-55	S$1,879	S$903	S$1,279
56-60	S$2,387	S$903	S$1,787
61-65	S$3,225	S$1,131	S$2,625
66-70	S$4,739	S$1,326	S$4,139
74-75	S$6,972	S$1,816	S$6,072
79-80	S$9,721	S$2,187	S$8,821
84-85	S$10,437	S$2,616	S$9,537

Show the full premium table (24 age rows)

Age band	Private insurance premium /yr	MediShield Life /yr	Est. cash outlay /yr
1-20	S$310	S$200	S$10
21-25	S$310	S$295	S$10
26-30	S$399	S$295	S$99
31-35	S$484	S$503	S$184
36-40	S$539	S$503	S$239
41-45	S$1,216	S$637	S$616
46-50	S$1,319	S$637	S$719
51-55	S$1,879	S$903	S$1,279
56-60	S$2,387	S$903	S$1,787
61-65	S$3,225	S$1,131	S$2,625
66-70	S$4,739	S$1,326	S$4,139
71-73	S$6,295	S$1,643	S$5,395
74-75	S$6,972	S$1,816	S$6,072
76-78	S$8,718	S$2,027	S$7,818
79-80	S$9,721	S$2,187	S$8,821
81-83	S$10,333	S$2,303	S$9,433
84-85	S$10,437	S$2,616	S$9,537
86-88	S$10,541	S$2,785	S$9,641
89-90	S$10,647	S$2,785	S$9,747
91-93	S$11,180	S$2,826	S$10,280
94-95	S$11,740	S$2,826	S$10,840
96-98	S$12,559	S$2,826	S$11,659
99-100	S$12,687	S$2,826	S$11,787
>100	S$12,687	S$2,826	S$11,787

Key benefits

Overview

Ward entitlementPrivate hospital standard room or lower

Limits

Annual claim limitS$1,000,000 per policy year; S$2,000,000 if hospitalised under AIA preferred-provider condition.

Limits

Lifetime claim limitUnlimited

Pre/Post Hospitalisation

Preferred-provider pre/post windowUp to 13 months before/after hospitalisation under AIA preferred-provider conditions.

Pre/Post Hospitalisation

Pre-hospitalisationAs charged; generally 100 days before admission. Longer window may apply under AIA preferred provider/public-hospital pathways.

Pre/Post Hospitalisation

Post-hospitalisationAs charged; generally 100 days after discharge. Longer window may apply under AIA preferred provider/public-hospital pathways. Includes extended post-hospital treatment for 30 critical illnesses after ordinary window.

Overseas

Planned overseas treatmentCovered, benchmarked to Singapore equivalent charges.

Overseas

Emergency overseas treatmentCovered, benchmarked to reasonable and customary Singapore-equivalent charges.

Cost Sharing

Co-insuranceInpatient/day surgery: 10% of first S$5,000, 5% of next S$5,000, 3% above S$10,000. Outpatient treatments: 10%.

Deductible

Deductible gridClass-based deductible applies. Younger age examples include S$3,500 for private/A-class inpatient, S$2,500 for B1, S$2,000 for B2, S$1,500 for C; higher after age 81/82.

Renewal

Renewal ruleGuaranteed renewable each year if policy in force and renewal premium is paid within grace period; premiums may change with at least 31 days notice.

Eligibility

Eligibility / replacementOne Integrated Shield Plan only; underwriting applies; switching/upgrading may affect existing condition coverage.

Exclusions

Key exclusions / waiting periodsPre-existing conditions unless accepted; experimental treatment, ordinary pregnancy/childbirth except stated cover, infertility, self-inflicted/drug/alcohol-related injury, obesity/weight management, cosmetic, routine dental/screening, certain overseas treatment, non-medically-necessary services, non-CDL cancer drugs/high-cost drugs outside schedule. Waiting periods include 10 months for pregnancy/congenital child complications and 24 months for insured-as-donor organ donation.

Compatible riders

AIA Max VitalHealth Pro AAIA Emergency Care ProAIA Cancer Care ProAIA Emergency Care Pro (Non-dependant)AIA Cancer Care Pro (Non-dependant)

Insurer service standards (MOH)

Claims processing

Same day for a typical claim1 day or less for 3 in 4 claims (1 Jan – 31 Mar 2026); includes time to obtain medical records

Pre-authorisation

Offered — via app, website or phoneTypical turnaround Same day (target 3 days)

Service figures are published by the Ministry of Health for AIA as an insurer (all its IP plans), not for this plan specifically. See MOH’s comparison page.

Community reviews

No reviews yet. Been on this plan? Be the first to share your experience.

Reviews are individual opinions submitted by the public and may be biased or not reflect your experience. They are moderated for spam and abuse, not fact-checked, and are separate from our source-backed data and the balanced take above.

Speak to an adviser about this plan

An adviser can help you:

Model this plan against your age, budget and hospital-bill scenarios
Weigh rider co-payment, MediSave usage and the lifetime premium trajectory
Compare it side by side with alternatives before you switch or buy

Speak to an adviser →

Are you an adviser? This is the simple public version. Join AdvisorOS for the advanced calculators, AI-assisted client reviews and the full workspace behind these tools.

AIA HealthShield Gold Max Afigures are indicative, for comparison and education only, based on the insurer’s published premium table. Actual premiums, eligibility, MediSave-payable portion and benefits depend on your age, citizenship/residency, underwriting and the current policy contract. This page does not rank plans or recommend a product. Confirm with AIA or a licensed financial adviser before any decision.