AIA · Class B1 ward

HealthShield Gold Max B

Integrated Shield Plan by AIA. Private insurance premium from S$120/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$120	S$200	S$0
21-25	S$128	S$295	S$0
26-30	S$128	S$295	S$0
31-35	S$197	S$503	S$0
36-40	S$197	S$503	S$0
41-45	S$385	S$637	S$0
46-50	S$385	S$637	S$0
51-55	S$539	S$903	S$0
56-60	S$587	S$903	S$0
61-65	S$856	S$1,131	S$256
66-70	S$1,598	S$1,326	S$998
74-75	S$2,389	S$1,816	S$1,489
79-80	S$3,414	S$2,187	S$2,514
84-85	S$3,567	S$2,616	S$2,667

Show the full premium table (24 age rows)

Age band	Private insurance premium /yr	MediShield Life /yr	Est. cash outlay /yr
1-20	S$120	S$200	S$0
21-25	S$128	S$295	S$0
26-30	S$128	S$295	S$0
31-35	S$197	S$503	S$0
36-40	S$197	S$503	S$0
41-45	S$385	S$637	S$0
46-50	S$385	S$637	S$0
51-55	S$539	S$903	S$0
56-60	S$587	S$903	S$0
61-65	S$856	S$1,131	S$256
66-70	S$1,598	S$1,326	S$998
71-73	S$2,210	S$1,643	S$1,310
74-75	S$2,389	S$1,816	S$1,489
76-78	S$3,400	S$2,027	S$2,500
79-80	S$3,414	S$2,187	S$2,514
81-83	S$3,479	S$2,303	S$2,579
84-85	S$3,567	S$2,616	S$2,667
86-88	S$3,686	S$2,785	S$2,786
89-90	S$3,886	S$2,785	S$2,986
91-93	S$4,216	S$2,826	S$3,316
94-95	S$4,551	S$2,826	S$3,651
96-98	S$5,086	S$2,826	S$4,186
99-100	S$5,475	S$2,826	S$4,575
>100	S$5,475	S$2,826	S$4,575

Key benefits

Overview

Ward entitlementPublic hospital A-class ward or lower

Limits

Annual claim limitS$1,000,000 per policy year; S$1,200,000 if hospitalised under AIA preferred-provider condition.

Limits

Lifetime claim limitUnlimited

Pre/Post Hospitalisation

Public-hospital pre/post windowLonger public-hospital pathway up to 12 months referenced in schedule.

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

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 →

AIA HealthShield Gold Max Bfigures 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.