As the medical landscape continues to evolve, we remain committed to providing you access to quality healthcare. With this in mind, we are revising the AIA HealthShield Gold (HSG) Max policy benefits with effect from 1 October 2026, upon policy purchase or renewal.
Summary of updates
We will be making the following changes to AIA HealthShield Gold Max (AIA HSG Max) plans and riders with effect from 1 October 2026 (new purchase and upon policy renewal):
| Revisions | AIA HSG Max A1 | AIA HSG Max B1 | AIA HSG Max B Lite |
|---|---|---|---|
| Extended coverage for cataract procedures to include more intraocular lenses for AIA preferred provider REVISED | ✓ | ✓ | ✓ |
| Limit per policy year REVISED | ✓ | ✓ | No change |
| High-cost drug treatments benefit NEW | ✓ | ✓ | ✓ |
| Stereotactic radiosurgery (for cancer) benefit NEW | ✓ | ✓ | ✓ |
| Pro-ration for all outpatient benefits REVISED | No change | ✓ | No change |
| Premium revisions | ✓
Also applies to riders
(see below) |
No change
|
No change |
| Revisions | AIA Max VitalHealth Pro A, AIA Max VitalHealth A / A Value & AIA Max VitalCare riders
|
AIA Max VitalHealth Pro B & AIA Max VitalHealth B riders
|
AIA Max VitalHealth Pro B Lite & AIA Max VitalHealth B Lite riders |
| Extended post-hospitalisation treatment for AIA Partner Facility benefit NEW | ✓ Only applies to AIA Max VitalHealth Pro A, AIA Max VitalHealth A & AIA Max VitalCare |
- | - |
| Premium revisions | ✓
Only applies to AIA Max A Cancer Care Booster, AIA Max VitalHealth A / A Value and AIA Max VitalCare
|
No change
|
No change |
1Also applies to AIA HSG Max Special A & B.
(1) Extended coverage for cataract procedures to include more intraocular lenses for AIA preferred provider*
We will cover the surgical implant fees for the following under medically necessary cataract procedures:
- Monofocal non-toric standard lenses for all claims; or
- Monofocal toric, multifocal (toric or non-toric) lenses or Extended Depth of Focus (EDOF) lenses if it is administered by an AIA preferred provider NEW
We will not cover all other types of lenses for cataract procedures.
This will apply to AIA HSG Max C and Plan 1 (FR) plans as well.
*AIA preferred provider refers to any public hospital and any private medical service providers listed on our website (we may change our list of medical service providers at any time).
(2) Enhanced benefits with the launch of new AIA Partner Facility
AIA Partner Facility^ is a group of trusted healthcare partners committed to providing high-quality, cost-efficient medical care for our AIA HealthShield Gold Max customers. We work closely with our partners to keep healthcare accessible and affordable for our customers, while ensuring high standards of care and service are delivered.
Extended Partner Facility^ is a group of healthcare partners that work with AIA but do not meet the same level of cost-efficiency as AIA Partner Facilities. While they continue to provide quality care, their charges may be higher. This gives customers access to a broader network of healthcare providers while maintaining confidence in the quality of care received.
You will enjoy higher coverage if you choose to use an AIA Partner Facility:
Under AIA HSG Max A with selected riders:
(a) Higher maximum claim limit for treatments (including outpatient treatments) under an AIA Partner Facility^ within the policy year.
| Limit per policy year | Before 1 Oct 2026 | From 1 Oct 2026 |
|---|---|---|
| S$2,000,000 | AIA preferred provider* | AIA Partner Facility^ |
| S$1,350,000 | - | Extended Partner Facility^ |
| S$1,000,000 | Non-AIA preferred provider | Other hospitals or medical facilities |
(b) A 60-days extension for post-hospitalisation coverage on top of the "Post-hospitalisation benefits" under your AIA HSG Max A plan, if you were hospitalised in an AIA Partner Facility^. This applies to AIA HSG Max A with AIA Max VitalHealth Pro A, AIA Max VitalHealth A or AIA Max VitalCare riders.
This may increase your post-hospitalisation coverage to 15 months# if the treatment is under an AIA preferred provider* and the hospitalisation is in an AIA Partner Facility^.
#Assuming there are 30 days in a calendar month and your hospitalisation treatment is under an AIA preferred provider*.
Under AIA HSG Max B:
(a) Higher maximum claim limit for treatments (including outpatient treatments) under an AIA Partner Facility^ within the policy year:
(a) Higher maximum claim limit for treatments (including outpatient treatments) under an AIA Partner Facility^ within the policy year:
| Limit per policy year | Before 1 Oct 2026 | From 1 Oct 2026 |
|---|---|---|
| S$1,200,000 | AIA preferred provider* | AIA Partner Facility^ |
| S$1,000,000 | Non-AIA preferred provider | Extended Partner Facility^ or other hospitals or medical facilities |
*AIA preferred provider refers to any public hospital and any private medical service providers listed on our website (we may change our list of medical service providers at any time).
^The full list of hospitals and medical facilities is available on our website and may be updated from time to time.
(3) Changes to your AIA HSG Max to align with MediShield Life's (MSHL) changes
To align with MSHL changes which the Ministry of Health of Singapore (MOH) has introduced, we will be making the following changes to your AIA HSG Max (A/B/B Lite) policy:
(a) Stereotactic radiosurgery (for cancer) benefit NEW
Your policy will now cover stereotactic radiosurgery (for cancer) performed in an outpatient setting, giving you better access to treatments beyond traditional hospital setting.
All stereotactic radiosurgery (for cancer) treatments performed in an inpatient or day surgery setting will be covered under this benefit as well.
For outpatient setting, the insured does not need to be hospitalised for this benefit to apply.
(b) High-cost drug treatments benefit NEW
Your AIA HSG Max policy will only cover high-cost drug treatments used for the clinical criteria specified on the MSHL's benefit schedule, which are assessed to be clinically- and cost-effective by MOH up to the limits of compensation as shown below:
| High-cost drug treatments benefit | Limits of compensation |
|---|---|
| Drug Treatment and Prophylaxis for Haemophilia A | S$2,800 per calendar month |
| Drug Treatment and Prophylaxis for Haemophilia B | S$9,600 per calendar month |
| Drug Treatment for Immune Thrombocytopenia and Refractory Severe Aplastic Anaemia | S$3,600 per calendar month |
| Drug Treatment of Thalassaemia | S$1,600 per calendar month |
| Drug Treatment of Children with Short Stature due to Conditions Associated with Growth Failure | S$1,600 per calendar month |
| Drug Treatment for Spinal Muscular Atrophy | S$14,800 per calendar month |
| Drug Treatment for Fabry Disease | S$8,800 per calendar month |
| Drug Treatment for X-Linked Hypophosphataemia | S$13,600 per calendar month |
This new benefit will apply to AIA HSG Max C and Plan 1 (FR) plans as well.
(4) Pro-ration will apply to all outpatient benefits for private hospital or medical institution under AIA HSG Max B policy
A pro‑ration factor of 70% will be applied to the total claim amount for all outpatient treatments received at any private hospital or private medical institution. This means that 70% of the eligible claim will be payable under your revised outpatient benefits, subject to co-insurance.
(5) Premium revision to AIA HSG Max A and its riders
We will be revising the premium rates from 1 October 2026 to the following plans and riders:
- AIA HSG Max A (or Special A)
- AIA Max VitalHealth A / A Value
- AIA Max VitalCare
- AIA Max A Cancer Care Booster
The revised premium rates reflect the rising healthcare costs and increasing claims driven by medical advancements and medical inflation.
For existing customers, the revised premium rates will apply on the policy anniversary from 1 October 2026.
There will be no change in premiums for the other plans and riders.
Please refer to the FAQ for more information.
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