Review of AIA Max VitalHealth B Benefits

The complete Pros and Cons on AIA Max AIA Max VitalHealth B

AIA Max VitalHealth B offers coverage of co-insurance and deductibles by offering a 5% co-payment scheme to cap your yearly medical expenses to just under S$3,000 per policy year.

Read on to find out more.

AIA Max VitalHealth B product details

  • Non-participating policy – Integrated Shield Plan Rider
  • An add-on to your AIA HealthShield Gold Max plan
  • Offers coverage of co-insurance and deductibles with a 5% co-payment per claim, keeping your yearly medical expenses at a cap of S$3,000 per policy year

Read alsoIntegrated Shield Plan: How does it work?

Read alsoIntegrated Shield Plan: 4 things you should be aware of

Features of AIA Max VitalHealth B at a glance

Based on the option with the second highest coverage, AIA Max VitalHealth B

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$150 per injury or illness
  • Immediate family member accommodation: up to S$70 per day
  • Post-hospitalisation alternative medicine benefits: up to S$3,000 per policy year
  • Post-hospitalisation home nursing benefit: S$300 per day
  • Emergency Outpatient Treatment due to Accident Benefit: S$1,000 per policy year

Outpatient hospital treatment

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

Unique Benefits

  • N.A.

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

For further information and details, refer to AIA website. Alternatively, fill-up the form below and let us advise accordingly.

Read alsoNo budget for financial planning?

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

AIA Max VitalHealth B may be suitable if you are looking for

AIA Max VitalHealth B 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

AIA Max VitalHealth B may not be suitable if you are looking for

AIA Max VitalHealth B 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  table below for the premium table for AIA HealthShield Gold Max B and AIA Max VitalHealth B.

Age BandAIA HealthShield Gold Max B
(Actual Premium/ Nett premium payable after using MediSAVE)
AIA Max VitalHealth B
(Premium for rider must be fully paid by cash)
1S$102/ S$0S$194
6S$102/ S$0S$194
11S$102/ S$0S$194
16S$102/ S$0S$194
21S$109/ S$0S$212
26S$109/ S$0S$212
31S$168/ S$0S$234
36S$168/ S$0S$234
41S$328/ S$0S$333
46S$328/ S$0S$333
51S$460/ S$0S$432
56S$501/ S$0S$626
61S$730/ S$130S$905
66S$1,364/ S$764S$1,494
71S$1,886/ S$986S$1,953
New application or switching of Integrated Shield Plan/ rider is not allowed after age 75.
76S$2,902/ S$2,002S$2,030
81S$2,969/ S$2,069S$2,358
86S$3,146/ S$2,246S$2,718
91S$3,598/ S$2,698S$2,979
96S$4,341/ S$3,441S$3,492

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 VitalHealth B

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

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

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?

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Is AIA Max VitalHealth B 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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    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:

    (This allows us to know if there are potential benefits from making any changes.)

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    Before you go...
    AIA Max VitalHealth B 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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