AIA Max Essential Review

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 also: Integrated Shield Plan: How does it work?

Read also: Integrated Shield Plan: 4 things you should be aware of

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 also: No 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.

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.

Compare across all Integrated Shield Plans and riders!

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?

Get exactly what you need for your MediShield LIFE upgrade by using our Integrated Shield Plans and rider comparison platform. Go on, its 100% free!

Is AIA HealthShield Gold MaxAIA Max Essential suitable for me?

Contact InterestGuru using the form below. Our panel of financial planners will advise accordingly, based on your financial profile and protection needs.

All financial reviews and proposals provided are 100% free of charge. There will be no obligation to take up any proposed financial products or services in any way.

*For a limited time, get attractive incentives when you take up any products that is proposed by our team of financial planners.

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Before you go...

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.

Drop us a message and find out about customised options across multiple insurance companies. You deserve to get the best out of your hard-earned savings!

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