AIA Max Essential Review

The complete Pros and Cons on AIA Max Essential

NOTE: AIA Max Essential has been discontinued. For further information and details about this plan, fill up the form below and let us advise you accordingly.

AIA Max Essential product details

  • Non-participating policy – Integrated Shield Plan Rider
  • An add-on to your AIA HealthShield Gold Max plan
  • Offers complete coverage from the first dollar up by taking care of the Deductible and Co-insurance portions of your hospital bill
  • Receive a hospital cash incentive of up to S$250 for each day that you are admitted to a lower class ward than the one you are entitled to

Read alsoIntegrated Shield Plan: How does it work?

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Features of AIA Max Essential at a glance

Based on the option with the highest coverage, AIA Max Essential A

Inpatient hospital treatment

  • Emergency overseas treatment: As charged, limited to costs of Singapore private hospitals
  • Planned overseas treatment: N.A.
  • Pre-hospitalisation treatment: Within 13 months from discharge
  • Post-hospitalisation treatment: Within 13 months from discharge
  • Accident & Emergency Ambulance fee: S$250 per injury or illness
  • Daily Hospital Incentive: S$250/day if admitted to any standard ward in a Public hospital

Outpatient hospital treatment

  • Chemotherapy for cancer: As charged
  • Immunotherapy for cancer: As charged
  • Renal dialysis: As charged

Unique Benefits

  • N.A.

*IMPORTANT* AIA Max Essential is an add-on to AIA HealthShield Gold Max (Integrated Shield Plan). The rider cannot be purchased without the basic Integrated Shield Plan.

Read alsoNo budget for financial planning?

Read also: 3 Best Integrated Shield Plans and Riders in Singapore for Hospitalisation Coverages (2023 Edition)

AIA Max Essential may be suitable if you are looking for

AIA Max Essential may potentially be a good fit if the following matters to you:

  • Hospitalisation and medical insurance coverage
  • Integrated Shield Plan or Integrated Shield Plan riders
  • Reducing hospitalisation and medical expenses
  • Paying premium using MediSave Funds
  • Daily hospitalisation income with an Integrated Shield Plan rider

AIA Max Essential may not be suitable if you are looking for

AIA Max Essential may potentially be a bad fit if the following matters to you:

  • Surrender value, Integrated Shield Plan and/or Integrated Shield Plan riders have no cash value

What is the annual premium for AIA Integrated Shield Plan and rider based on my age?

Refer to the drop down below for premium table for AIA HealthShield Gold Max A and AIA Max Essential A.

The table below shows the annual premiums for AIA HealthShield Gold Max A and AIA Max Essential A.

This allows 100% claims for the first dollar up, for hospitalisation and medical treatment in private hospital.

Age Band AIA HealthShield Gold Max A
(Actual Premium/ Nett premium payable after using MediSAVE)
AIA Max Essential A
(Premium for rider must be fully paid by cash)
1 S$155/ S$0 S$499
2 S$155/ S$0 S$499
3 S$155/ S$0 S$499
4 S$155/ S$0 S$499
5 S$155/ S$0 S$499
6 S$155/ S$0 S$499
7 S$155/ S$0 S$499
8 S$155/ S$0 S$499
9 S$155/ S$0 S$499
10 S$155/ S$0 S$499
11 S$155/ S$0 S$499
12 S$155/ S$0 S$499
13 S$155/ S$0 S$499
14 S$155/ S$0 S$499
15 S$155/ S$0 S$499
16 S$155/ S$0 S$499
17 S$155/ S$0 S$499
18 S$155/ S$0 S$499
19 S$155/ S$0 S$499
20 S$155/ S$0 S$499
21 S$166/ S$0 S$499
22 S$166/ S$0 S$499
23 S$166/ S$0 S$499
24 S$166/ S$0 S$499
25 S$166/ S$0 S$499
26 S$196/ S$0 S$499
27 S$196/ S$0 S$499
28 S$196/ S$0 S$499
29 S$196/ S$0 S$499
30 S$196/ S$0 S$499
31 S$260/ S$0 S$602
32 S$260/ S$0 S$602
33 S$260/ S$0 S$602
34 S$260/ S$0 S$602
35 S$260/ S$0 S$602
36 S$271/ S$0 S$602
37 S$271/ S$0 S$602
38 S$271/ S$0 S$602
39 S$271/ S$0 S$602
40 S$271/ S$0 S$602
41 S$570/ S$0 S$894
42 S$570/ S$0 S$894
43 S$570/ S$0 S$894
44 S$570/ S$0 S$894
45 S$570/ S$0 S$894
46 S$570/ S$0 S$894
47 S$570/ S$0 S$894
48 S$570/ S$0 S$894
49 S$570/ S$0 S$894
50 S$570/ S$0 S$894
51 S$884/ S$284 S$1,101
52 S$884/ S$284 S$1,101
53 S$884/ S$284 S$1,101
54 S$884/ S$284 S$1,101
55 S$884/ S$284 S$1,101
56 S$1,043/ S$443 S$1,516
57 S$1,043/ S$443 S$1,516
58 S$1,043/ S$443 S$1,516
59 S$1,043/ S$443 S$1,516
60 S$1,043/ S$443 S$1,516
61 S$1,515/ S$915 S$2,291
62 S$1,515/ S$915 S$2,291
63 S$1,515/ S$915 S$2,291
64 S$1,515/ S$915 S$2,291
65 S$1,515/ S$915 S$2,291
66 S$2,138/ S$1,538 S$3,119
67 S$2,138/ S$1,538 S$3,119
68 S$2,138/ S$1,538 S$3,119
69 S$2,138/ S$1,538 S$3,119
70 S$2,138/ S$1,538 S$3,119
71 S$2,839/ S$1,939 S$3,572
72 S$2,839/ S$1,939 S$3,572
73 S$2,839/ S$1,939 S$3,572
74 S$3,145/ S$2,245 S$3,772
75 S$3,145/ S$2,245 S$3,772
New application or switching of Integrated Shield Plan/ rider is not allowed after age 75.
76 S$4,299/ S$3,399 S$3,991
77 S$4,299/ S$3,399 S$3,991
78 S$4,299/ S$3,399 S$3,991
79 S$4,793/ S$3,893 S$4,211
80 S$4,793/ S$3,893 S$4,211
81 S$5,035/ S$4,135 S$4,430
82 S$5,035/ S$4,135 S$4,430
83 S$5,035/ S$4,135 S$4,430
84 S$5,508/ S$4,608 S$4,649
85 S$5,508/ S$4,608 S$4,649
86 S$5,938/ S$5,038 S$4,870
87 S$5,938/ S$5,038 S$4,870
88 S$5,938/ S$5,038 S$4,870
89 S$6,240/ S$5,340 S$5,088
90 S$6,240/ S$5,340 S$5,088
91 S$6,800/ S$5,900 S$5,308
92 S$6,800/ S$5,900 S$5,308
93 S$6,800/ S$5,900 S$5,308
94 S$7,170/ S$6,270 S$5,528
95 S$7,170/ S$6,270 S$5,528
96 S$7,650/ S$6,750 S$5,746
97 S$7,650/ S$6,750 S$5,746
98 S$7,650/ S$6,750 S$5,746
99 S$7,730/ S$6,830 S$5,966
100 S$7,730/ S$6,830 S$5,966

AIA HealthShield Gold Max A and AIA Max Essential A annual premium table

Refer to our FAQs On Integrated Shield Plan And Riders for everything you need to know about upgrading your MediShield hospitalisation and medical treatment coverages.

Further considerations on AIA Max Essential

  • How much will AIA or AIA Max Essential premium increase as I age?
  • How does AIA Max Essential compare with Integrated Shield Plan and/ or Integrated Shield Plan riders from other insurance companies?
  • Can AIA Max Essential fulfil my financial insurance, health and protection needs?

The above information may not fully highlight all the product details and features on AIA Max Essential. Talk to us or seek advice from a financial adviser before making any decision about AealthShield Gold MaxAIA Max Essential.

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Compare before you commit so you don’t have to regret later on. Depending on your medical and hospitalisation needs, the premium payable differs across insurers. Why pay more for what you do not need or short-charge on features and benefits by paying a little more?

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Is AIA HealthShield Gold MaxAIA Max Essential suitable for me?

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    Integrated Shield Plan/ Rider selector

    Just 5 simple questions to get you the most suitable Integrated Shield Plan/ Rider, based on your required medical and hospitalisation requirements.

    In the event of hospitalistion/ illness, where would you like to seek treatment?

    Would you prefer your hospitalisation and medical bills fully covered?

    (Additional premium via cash will be required.)

    Do you need a daily income during the period of hospitalisation?

    (Additional premium via cash will be required.)

    Would you wish to look into additional features and benefits?

    (Additional premium via cash will be required.)

    My current Integrated Shield Plan and rider (if any) is with:

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    AIA Max Essential may be a good fit towards your current financial goals. However, there could be way more plans out there with features and/ or benefits that could be more relevant to you at a lower cost.
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