AIA Max VitalHealth Pro B Review [2026]

Last updated: 21 May 2026

AIA Max VitalHealth Pro B is the new ISP rider for AIA HealthShield Gold Max B, launched from 1 April 2026 in compliance with MOH’s new rider requirements. It replaces the old AIA Max VitalHealth B rider and covers co-insurance payable by you when hospitalised in a public hospital Class A ward, with a 5% co-payment capped at $6,000 per policy year. A standout benefit is the Home Palliative Care Benefit, up to $10,000 per month with a lifetime limit of $30,000 for terminally ill patients who prefer to receive care at home.

Note: InterestGuru does not represent AIA. We can help you compare similar ISP riders from our panel of insurers at no cost.

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AIA Max VitalHealth Pro B Product Details

• Supplementary rider for AIA HealthShield Gold Max B (public hospital Class A ward coverage)
• New from 1 April 2026: replaces old AIA Max VitalHealth B rider, complies with MOH’s new ISP rider requirements
• Co-Insurance Coverage: 5% co-payment of covered bills
• Co-payment Cap: $6,000 per policy year
• Minimum IP Deductible: $1,500 to $2,000 for public hospital must be paid out of pocket (not covered by this rider)
• Home Palliative Care Benefit: up to $10,000 per month with a lifetime limit of $30,000 for terminally ill patients receiving care at home
• Home Nursing Care Benefit: covers home nursing care after hospitalisation
• Post-Hospitalisation Alternative Medicine: covers Traditional Chinese Medicine (TCM) for cancer and stroke recovery
• Accommodation Benefit: covers accommodation expenses for an immediate family member during hospitalisation
• AIA Vitality Coin Boost: earn Vitality coins with a valid AIA Vitality membership
• Switching rules from April 2026
  
  • Switch to Pro A, underwriting required
  • Switch to Pro B Lite, no underwriting required
• Cash outlay only, rider premiums cannot be paid by MediSave

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Features of AIA Max VitalHealth Pro B at a Glance

Co-Insurance and Deductible Coverage

• Minimum IP Deductible: Not covered, you pay $1,500 to $2,000 out of pocket
• Co-payment: 5% of covered bills
• Annual co-payment cap: $6,000 per policy year

Additional Benefits

• Home Palliative Care Benefit: Up to $10,000 per month, lifetime limit $30,000
• Home Nursing Care Benefit: Covered after hospitalisation
• Post-hospitalisation TCM for cancer and stroke: Covered
• Accommodation benefit for immediate family member: Covered during hospitalisation
• AIA Vitality Coin Boost: Available with valid AIA Vitality membership

Comparison: Old Max VitalHealth B vs New Max VitalHealth Pro B

Note: If you purchased the old AIA Max VitalHealth B rider before 27 November 2025, your existing rider continues under current terms and will be updated no later than your first policy renewal from 1 April 2028. You are not required to switch immediately.

For further information and details, refer to the AIA Singapore website. As InterestGuru does not represent AIA, fill up the form below and we can advise on similar riders from our panel of insurers.

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AIA Max VitalHealth Pro B May Be Suitable If You Are Looking For

AIA Max VitalHealth Pro B may potentially be a good fit if the following matters to you:

• You are covered under AIA HealthShield Gold Max B and want to reduce your co-insurance share when hospitalised in a public hospital Class A ward
• A co-payment of 5% capped at $6,000 per policy year for predictable out-of-pocket costs
• Home Palliative Care Benefit, up to $10,000 per month with a $30,000 lifetime limit for terminally ill patients receiving care at home
• Home nursing care coverage after hospitalisation
• Post-hospitalisation TCM coverage for cancer and stroke recovery
• Accommodation benefit for an immediate family member during your hospitalisation
• AIA Vitality Coin Boost rewards with a valid AIA Vitality membership

AIA Max VitalHealth Pro B May Not Be Suitable If You Are Looking For

AIA Max VitalHealth Pro B may potentially be a bad fit if the following matters to you:

• Near-zero out-of-pocket hospitalisation costs, the minimum IP deductible of $1,500 to $2,000 for public hospital stays must still be paid out of pocket
• Private hospital coverage, consider AIA Max VitalHealth Pro A instead (underwriting required to switch)
• Those who do not hold AIA HealthShield Gold Max B plan, this rider is only for Gold Max B policyholders
• Paying rider premiums using MediSave, rider premiums are cash outlay only
• As InterestGuru does not represent AIA, we are unable to facilitate applications for this rider directly

Further Considerations on AIA Max VitalHealth Pro B

• Should I switch from the old AIA Max VitalHealth B to the new Max VitalHealth Pro B?
• Should I upgrade from Pro B to Pro A for private hospital coverage? (underwriting required)
• How does the Home Palliative Care Benefit work in practice?
• How much will my out-of-pocket costs be with AIA HealthShield Gold Max B and Max VitalHealth Pro B?
• How does AIA Max VitalHealth Pro B compare with riders from other insurers?

The above information may not fully highlight all the product details and features of AIA Max VitalHealth Pro B. Talk to us or seek advice from a MAS-licensed financial adviser before making any decision about AIA Max VitalHealth Pro B. As InterestGuru does not represent AIA, we can help you compare similar riders from our panel of insurers at no cost.

Is AIA Max VitalHealth Pro B Suitable for Me?

As InterestGuru does not represent AIA, we are unable to facilitate applications for AIA Max VitalHealth Pro B directly. However, we can help you compare similar ISP riders from our panel of insurers at no cost.

Read our Best Integrated Shield Plans Singapore 2026 guide or WhatsApp us for a free personalised ISP review, no obligation, no cost.