AIA · Class B1 ward

HealthShield Gold Max B Lite

Integrated Shield Plan by AIA. Private insurance premium from S$69/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.

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Premiums by age

Age	Private insurance premium /yr	MediShield Life /yr	Est. cash outlay /yr
1-20	S$69	S$200	S$0
21-25	S$71	S$295	S$0
26-30	S$71	S$295	S$0
31-35	S$104	S$503	S$0
36-40	S$104	S$503	S$0
41-45	S$165	S$637	S$0
46-50	S$203	S$637	S$0
51-55	S$219	S$903	S$0
56-60	S$242	S$903	S$0
61-65	S$367	S$1,131	S$0
66-70	S$591	S$1,326	S$0
74-75	S$1,029	S$1,816	S$129
79-80	S$1,395	S$2,187	S$495
84-85	S$1,494	S$2,616	S$594

Show the full premium table (24 age rows)

Age band	Private insurance premium /yr	MediShield Life /yr	Est. cash outlay /yr
1-20	S$69	S$200	S$0
21-25	S$71	S$295	S$0
26-30	S$71	S$295	S$0
31-35	S$104	S$503	S$0
36-40	S$104	S$503	S$0
41-45	S$165	S$637	S$0
46-50	S$203	S$637	S$0
51-55	S$219	S$903	S$0
56-60	S$242	S$903	S$0
61-65	S$367	S$1,131	S$0
66-70	S$591	S$1,326	S$0
71-73	S$876	S$1,643	S$0
74-75	S$1,029	S$1,816	S$129
76-78	S$1,395	S$2,027	S$495
79-80	S$1,395	S$2,187	S$495
81-83	S$1,445	S$2,303	S$545
84-85	S$1,494	S$2,616	S$594
86-88	S$1,660	S$2,785	S$760
89-90	S$1,930	S$2,785	S$1,030
91-93	S$2,110	S$2,826	S$1,210
94-95	S$2,297	S$2,826	S$1,397
96-98	S$2,598	S$2,826	S$1,698
99-100	S$2,814	S$2,826	S$1,914
>100	S$2,814	S$2,826	S$1,914

Key benefits

Overview

Ward entitlementPublic hospital B1-class ward or lower

Limits

Annual claim limitS$300,000 per policy year

Limits

Lifetime claim limitUnlimited

Pre/Post Hospitalisation

Pre/post windowStandard shorter window applies.

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 treatmentNot covered.

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 Emergency Care ProAIA Cancer Care ProAIA Max VitalHealth Pro B LiteAIA 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.

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AIA HealthShield Gold Max B Litefigures 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.