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.

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.

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.

Compatible riders

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

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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.