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AIA HealthShield Gold Information Booklet 1

AIA HEALTHSHIELD GOLD

INFORMATION BOOKLET


AIA HEALTHSHIELD GOLD INFORMATION BOOKLET

Contents

Introduction CPF MediShield Reform AIA HealthShield Gold Frequently Asked Questions Schedule Of Benefits for AIA HealthShield & AIA HealthShield Gold Appendix A Annual Premiums for AIA HealthShield & AIA HealthShield Gold Appendix B Notes: This booklet contains product information provided by AIA. If you have any queries, please contact your AIA Financial Services Consultant for advice. It is important to note that suitable health insurance products will help you to finance your future healthcare needs. A Chinese version of this booklet is available at our website: www.aia.com.sg/healthshieldgold or by calling our AIA HealthShield Gold Hotline at 6248 8228. In case of inconsistency between the English and Chinese version of the booklet, the English version shall prevail. In case of doubt, you should always refer to the English version. This booklet is not a contract of insurance. The precise terms and conditions of the plans described are specified in the policy contract.


Introduction

This booklet explains the recent changes to CPF MediShield, how they affect your current AIA HealthShield plan and the benefits you will enjoy with the new AIA HealthShield Gold. If you have any queries on your current AIA HealthShield plan or AIA HealthShield Gold, please contact your AIA Financial Services Consultant. Alternatively, you can visit us at www.aia.com.sg/healthshieldgold or call our AIA HealthShield Gold Hotline at 6248 8228. For general queries on the CPF MediShield reform, please visit the Ministry of Health’s website at www.moh.gov.sg.

CPF MediShield Reform From 1 July 2005, CPF MediShield has been restructured in the following ways:

1) CPF MediShield will form the basic tier of medical insurance protection at Class B2/C wards.

2) Private insurers, such as AIA, will restructure and enhance their Medisave-approved

medical insurance plans to complement the reformed CPF MediShield.

Private insurers will design their enhanced plans to incorporate the reformed CPF MediShield so that policyholders will only need to be concerned with a single product which already includes both sets of benefits. These enhanced Medisave-approved private medical plans will provide additional benefits to meet your needs for more medical coverage for stays in Class B1 / A wards or private hospitals.

3) For private insurers’ enhanced plans, new minimum deductibles will apply, as set by

the Ministry of Health. For private insurers' Plan A, which caters to Class A wards and private hospitals, the minimum deductible will go up from $2,500 to $3,000. For Plan B, which caters to Class B1 wards, the minimum deductible will be revised from $1,500 to $2,000.

The co-insurance component will be reduced from 15% to 10%.

How The CPF MediShield Reform Affects Current AIA HealthShield Policyholders As an AIA HealthShield policyholder, you will be allowed to use your CPF Medisave* for your current AIA HealthShield plan for a transition period of two years from 1 July 2005 to 30 June 2007. Thereafter, you will be required to pay your premiums in cash rather than using your CPF Medisave. However, the good news is that you can continue to use your CPF Medisave* to pay your premiums if your current AIA HealthShield plan is converted to AIA HealthShield Gold.


Conversion Of AIA HealthShield To AIA HealthShield Gold Your current AIA HealthShield plan will be automatically converted to the new AIA HealthShield Gold. This will take effect from the policy anniversary date after 30 November 2005 of your plan (the "conversion effective date"). By converting your current plan to AIA HealthShield Gold, you will be able to continue using your CPF Medisave* to pay your premiums after 30 June 2007. Your AIA HealthShield plan will be converted as follows: AIA HealthShield Plan A AIA HealthShield Gold Plan A AIA HealthShield Plan A Plus AIA HealthShield Gold Plan A AIA HealthShield Plan B AIA HealthShield Gold Plan B AIA HealthShield Plan B Plus AIA HealthShield Gold Plan B Please refer to Appendices A and B of this booklet for a full comparison of the benefits and premiums between AIA HealthShield and AIA HealthShield Gold. This conversion is guaranteed - no health questions asked, no medical examination needed and no new medical exclusions applied. You will receive a new AIA HealthShield Gold contract before the conversion effective date of your plan, after which you will have a free-look period of two calendar months from the conversion effective date to review your new plan. If you decide to revert to your current AIA HealthShield plan, please notify us within the two-month period. However, if you do not wish to have your plan converted to AIA HealthShield Gold, please notify us by calling our AIA HealthShield Gold Hotline at 6248 8228 at least 30 days before the conversion effective date of your plan. By keeping your current plan, please note that as per the Ministry of Health's new requirements, you will need to pay your premiums in cash (instead of CPF Medisave) after 30 June 2007. You can still convert to AIA HealthShield Gold after 30 June 2007. However, your conversion will be subject to underwriting and, depending on your health status, new medical exclusions may apply.

* Up to $660 per person per year.


AIA HealthShield Gold

Up To $5,100,000 Medical Coverage Without Paying Cash+ Make Your CPF Medisave Work Harder For You With AIA HealthShield Gold AIA HealthShield Gold is specially designed to enhance the coverage provided by CPF MediShield. You will be covered by AIA HealthShield Gold and CPF MediShield simultaneously and, upon making a claim, you will receive the higher of the benefits computed under both plans. Simply put, you will enjoy better protection as you will be provided with combined coverage from both AIA HealthShield Gold and CPF MediShield. Guaranteed Coverage Once you are covered under AIA HealthShield Gold, you are guaranteed coverage right up to the age of 81, regardless of your health condition and the number of claims you have made, as long as you have not exceeded the lifetime limit of your plan. Added Protection For Cancer With AIA HealthShield Gold, you will enjoy extra coverage for hospitalisation costs incurred as a result of cancer, of up to $100,000 in your lifetime. + Annual premiums will be paid through your CPF Medisave Account, up to $660 per person per year.



Limits of Compensation (in S$)* Benefits

Plan A Plan B Hospitalisation Benefit Daily Room and Board1 830 450 Daily ICU Charges1 1,300 740 Surgical Benefit Surgery Limits Table2: 1 650 500 2 1,300 1,000 3 2,200 1,800 4 2,800 2,500 5 5,000 3,600 6 6,600 4,500 7 8,800 7,000 Surgical Implants/ Approved Medical Consumables3 (per treatment)

4,000 2,500

Gamma Knife (per procedure) 14,000 9,600 Out-Patient Hospital Benefits4 Radiotherapy for cancer (per day) 400 280

Stereotactic Radiotherapy for cancer (per treatment)

2,750 2,000

Chemotherapy for cancer (per month) 1,600 1,200 Immunotherapy for cancer (per month) 1,100 700 Renal Dialysis (per year) 30,000 24,000 Erythropoietin (per year) 6,000 5,000 Cyclosporin (per year) 6,000 5,000 Extra Cancer Benefit Limit5

Per Policy Year Per Lifetime

30,000

100,000

30,000

100,000 Limit


120,000

5,000,000

90,000

600,000 Deductible6 (per policy year) 3,000 2,000 Co-insurance7 10% 10% * Limits are inclusive of GST. 1 Inclusive of meals, prescriptions, professional charges, investigations and other miscellaneous

medical charges. 2 Surgery Limits Table is the latest surgical operation fee listed in the “Table of Surgical

Procedures” under the Medisave Scheme operated by Ministry of Health. 3 For the purpose of this Surgical Benefit, Surgical Implants/Approved Medical Consumables

includes charges incurred per treatment for intravascular electrodes used for


electrophysiological procedures, Percutaneous Transluminal Coronary Angioplasty and inter-aortic balloons (or balloon catheters).

4 Out-Patient Hospital Benefits are not subject to deductible. 5 The Extra Cancer Benefit Limit is provided over and above the Limit Per Policy Year and Limit

Per Lifetime. 6 Deductible is the portion of costs you are liable for before any benefits are payable. 7 Co-insurance is the fixed percentage you are liable for in excess of the deductible.

Pay Premiums Using Your CPF The annual premium will be paid through your CPF Medisave Account - up to $660 per person per year. Any excess premium can be paid in cash.

AIA HealthShield Gold Age Next Birthday Plan A

(S$) Plan B

(S$) 30 & below 95 57

31 to 40 143 86 41 to 50 285 171 51 to 55 476 285 56 to 60 491 295 61 to 65 812 488 66 to 70 1,167 700 71 to 73 1,673 1,004 74 to 75# 1,964 1,178 76 to 81## 2,730 1,649

Premium rates are inclusive of 5% GST. # Maximum entry age is 75 years (based on age next birthday). ## Ages 76 to 81 are for renewal only. An Example Of How AIA HealthShield Gold Works Suppose you are covered under AIA HealthShield Gold Plan A or Plan B and are hospitalised for 53 days in a Class A ward, including 3 days in ICU, due to cancer and you undergo surgery to remove a tumour.

Actual Amount Billed


Plan A Benefits Claimable


Plan B Benefits Claimable

In-Patient Hospital Benefits Daily Room & Board (max $830 per day)

$32,750 (50 days) $32,750

$22,500

Daily ICU (max $1,300 per day) $2,400 (3 days) $2,400

$2,220

Surgery (Surgery Limits Table 7) $7,300 $7,300 $7000 Surgical Implants / Approved Medical Consumables (max $4,000 per treatment)

$4,000 $4,000 $2,500

Out-Patient Hospital Benefits Chemotherapy (max $1,600 per month) $3,000 (1 month) $1,600

$1,200

Total $49,450 $48,050 $35,420 Total (in-patient bill only) $46,450 $46,450 $34,220


Less Deductible ($3,000) ($2,000) Add Total Claimable Out-Patient Amount $1,600 $1,200

Sub-total $45,050 $33,420 Less Co-insurance (10%) ($4,505) ($3,342) AIA HealthShield Gold Pays $40,545^ $30,078^ Insured Pays $8,905 $19,372 The above claim illustrated that if you are covered under AIA HealthShield Gold Plan A instead of Plan B, you will save $10,467 ($19,372 minus $8,905). ^Effects of the benefits claimable on the Lifetime and Policy Year Limits As this is a cancer-related claim, the $40,545 (AIA HealthShield Gold Plan A) or $30,078 (AIA HealthShield Gold Plan B) will be payable under the Extra Cancer Benefit. However, as the policy year limit for the Extra Cancer Benefit is only $30,000, the difference of $10,545 (for AIA HealthShield Gold Plan A) or $78 (for AIA HealthShield Gold Plan B) will be offset against the normal policy year limit as follows:

Extra Cancer Benefit Limit Payout AIA HealthShield

Gold Plan A Balance Limit

AIA HealthShield Gold Plan B

Balance Limit Per Policy Year $30,000 $0 $0 Per Lifetime $100,000 $30,000 $70,000 $70,000

AIA HealthShield Gold Plan A AIA HealthShield Gold Plan B Overall Limit Limit Payout Balance

Limit Limit Payout Balance

Limit Per Policy Year $120,000 $109,455 90,000 $89,922 Per Lifetime $5,000,000 $10,545 $4,989,455 600,000 $78 $599,922 Option To Enhance Your Coverage In the previous example, out of your total medical bill, you had to pay $8,905 if you are covered under AIA HealthShield Gold Plan A or $19,372 if you are covered under AIA HealthShield Gold Plan B. AIA has other hospital income plans that complement your AIA HealthShield Gold plan, to help you pay these amounts. One such plan is AIA Pink of Health. AIA Pink of Health is designed to complement AIA HealthShield Gold by providing a range of additional benefits such as hospital income benefit, coverage for pre and post hospitalisation expenses and hospital expense reimbursement. Premiums for AIA Pink of Health are payable using cash and cannot be paid using your CPF. Notes: AIA HealthShield Gold is jointly insured by AIA and the CPF Board as the operator of CPF MediShield. Please note that you can only be covered under one Medisave-approved medical insurance scheme at any one time. AIA HealthShield Gold is a guaranteed yearly renewable plan. The premium rates for this plan are not guaranteed. These rates may be adjusted based on future experience.


Frequently Asked Questions Conversion to AIA HealthShield Gold 1. What is the difference between the current AIA HealthShield and the new AIA

HealthShield Gold?

Please refer to Appendix A of this booklet for a full comparison of the benefits between AIA HealthShield and AIA HealthShield Gold. Some of the key changes to the benefits include: i) AIA HealthShield Plan A Compared to AIA HealthShield Gold Plan A

Increase of Lifetime Medical Coverage from $270,000 to $5,000,000 Extra Cancer Benefit with a lifetime coverage of $100,000 Increase in Daily Room and Board from $500 to $830 Increase in Daily ICU from $800 to $1,300 Increase in Surgical Benefit from a maximum of $7,200 to a maximum of $8,800

Please note that under the Ministry of Health’s new requirements, the minimum deductible for stays in Class A wards or private hospitals is $3,000. As such, AIA HealthShield Gold Plan A has a higher deductible of $3,000 compared to $2,500 for AIA HealthShield Plan A. However, the co-insurance is reduced to 10% compared to 15% for AIA HealthShield Plan A.

In addition, AIA HealthShield Gold Plan A does not have a Final Expenses Benefit, whereas AIA HealthShield Plan A has a Final Expenses Benefit of $5,000.

ii) AIA HealthShield Plan B Compared to AIA HealthShield Gold Plan B

Increase of Lifetime Medical Coverage from $195,000 to $600,000 Extra Cancer Benefit with a lifetime coverage of $100,000 Increase in Daily Room and Board from $300 to $450 Increase in Daily ICU from $500 to $740 Increase in Surgical Benefit from a maximum of $6,500 to a maximum of $7,000

Please note that under the Ministry of Health’s new requirements, the minimum deductible for Class B1 wards is $2,000. As such, AIA HealthShield Gold Plan B has a higher deductible of $2,000 compared to $1,500 for AIA HealthShield Plan B. However, the co-insurance is reduced to 10% compared to 15% for AIA HealthShield Plan B.

In addition, AIA HealthShield Gold Plan B does not have a Final Expenses Benefit, whereas AIA HealthShield Plan B has a Final Expenses Benefit of $3,000.

iii) AIA HealthShield Plan A Plus Compared to AIA HealthShield Gold Plan A

Increase of Lifetime Medical Coverage (including Extra Cancer Benefit) from

$1,100,000 to $5,100,000 Increase in Daily Room and Board from $720 to $830 Increase in Daily ICU from $1,150 to $1,300 Increase in Surgical Benefit from a maximum of $8,000 to a maximum of $8,800

Please note that under the Ministry of Health’s new requirements, the minimum deductible for Class A wards or private hospitals is $3,000. As such, AIA HealthShield


Gold Plan A has a higher deductible of $3,000 compared to $2,500 for AIA HealthShield Plan A Plus. However, the co-insurance is reduced to 10% compared to 15% for AIA HealthShield Plan A Plus.

In addition, AIA HealthShield Gold Plan A does not have a Final Expenses Benefit, whereas AIA HealthShield Plan A Plus has a Final Expenses Benefit of $5,000.

iv) AIA HealthShield Plan B Plus Compared to AIA HealthShield Gold Plan B

The benefit limits under AIA HealthShield Gold Plan B and AIA HealthShield B Plus are the same. Please note that under the Ministry of Health’s new requirements, the minimum deductible for stays in Class B1 wards is $2,000. As such, AIA HealthShield Gold Plan B has a higher deductible of $2,000 compared to $1,500 for AIA HealthShield Plan B Plus. However, the co-insurance is reduced to 10% compared to 15% for AIA HealthShield Plan B Plus.

In addition, AIA HealthShield Gold Plan B does not have a Final Expenses Benefit, whereas AIA HealthShield Plan B Plus has a Final Expenses Benefit of $3,000.

2. Are there any additional general exclusions to the benefits for AIA HealthShield

Gold compared to AIA HealthShield?

Yes, there are additional general exclusions to the benefits for AIA HealthShield Gold, as follows:

Treatment for sub-fertility, assisted conception or any contraceptive operation and sex change operations

Nursing home services

Purchase of durable medical equipment such as wheelchairs and hospital beds used

at homes

Transport-related services including emergency evacuation, assistance and repatriation of mortal remains

Normal out-patient’s consultations other than selected outpatient services for

treatment for catastrophic conditions, such as radiotherapy and chemotherapy for cancer, kidney dialysis and immuno-suppressants for organ transplant

3. Can I keep my current AIA HealthShield plan and opt not convert to AIA HealthShield Gold?

Yes. If you would like to keep your current AIA HealthShield plan, please notify us by calling our AIA HealthShield Gold Hotline at 6248 8228 at least 30 days before the conversion effective date of your plan. By keeping your current plan, please note that as per the Ministry of Health's requirements, you will need to pay your premiums in cash (instead of CPF Medisave) after 30 June 2007.


4. Can I revert to my current AIA HealthShield plan after it has been converted to AIA HealthShield Gold?

Yes. You will receive a new AIA HealthShield Gold contract before the conversion effective date of your plan, after which you will have a free-look period of two calendar months from the conversion effective date to review your new plan. If you decide to revert to your current AIA HealthShield plan, please send a written request to our Policy Services Department – AIA HealthShield Section, 1 Robinson Road, AIA Tower, #09-00, Singapore 048542 within the two-month period. By reverting to your current plan, please note that as per the Ministry of Health's requirements, you will need to pay your premiums in cash (instead of CPF Medisave) after 30 June 2007.

Premiums 5. Will My Premiums Increase Upon Conversion to AIA HealthShield Gold? i) Conversion from AIA HealthShield Plan A to AIA HealthShield Gold Plan A

Yes, your premiums will increase and the amount of increase will depend on your age. Please refer to Appendix B, Table 1 of this booklet for a comparison of annual premiums between AIA HealthShield Plan A and AIA HealthShield Gold Plan A.

ii) Conversion from AIA HealthShield Plan B to AIA HealthShield Gold Plan B

Yes, your premiums will increase and the amount of increase will depend on your age. Please refer to Appendix B, Table 2 of this booklet for a comparison of annual premiums between AIA HealthShield Plan B and AIA HealthShield Gold Plan B.

iii) Conversion from AIA HealthShield Plan A Plus to AIA HealthShield Gold Plan A

In order to be consistent with CPF MediShield, AIA HealthShield Gold premiums are based on your age next birthday, rather than your age last birthday, as is the case for your current AIA HealthShield plan. As a result, your premium will increase if you are changing to the next age group at your next policy anniversary. For example, if you are aged 40 at your next policy anniversary (i.e. in the 31 to 40 age group for calculation of premiums), when you convert to AIA HealthShield Gold you will be considered age 41 on an age next birthday basis. As a result, you will pay the higher premium for age 41 (i.e. in the 41 to 50 age group for calculation of premiums) instead of age 40. Please refer to Appendix B, Table 1 of this booklet for a comparison of annual premiums between AIA HealthShield Plan A Plus and AIA HealthShield Gold Plan A.


iv) Conversion from AIA HealthShield Plan B Plus to AIA HealthShield Gold Plan B. In order to be consistent with CPF MediShield, AIA HealthShield Gold premiums are based on your age next birthday, rather than your age last birthday, as is the case for your current AIA HealthShield plan. As a result, your premium will increase if you are changing to the next age group at your next policy anniversary. For example, if you are aged 55 at your next policy anniversary (i.e. in the 51 to 55 age group for calculation of premiums), when you convert to AIA HealthShield Gold you will be considered age 56 on an age next birthday basis. As a result, you will pay the higher premium for age 56 (i.e. in the 56 to 60 age group for calculation of premiums) instead of age 55. Please refer to Appendix B, Table 2 of this booklet for a comparison of annual premiums between AIA HealthShield Plan B Plus and AIA HealthShield Gold Plan B.

6. How do I pay the premiums for AIA HealthShield Gold?

The annual premium, as illustrated in the tables in Appendix B of this booklet, will be paid through your CPF Medisave Account - up to $660 per person per year. Any excess premium can be paid in cash.

Please note that the premium rates for AIA HealthShield and AIA HealthShield Gold are

not guaranteed and may be adjusted based on future experience.

Medical and Underwriting

7. Do I automatically qualify for conversion to AIA HealthShield Gold, without the need for underwriting?

Yes. Conversion on or before 30 June 2007 from:

i) AIA HealthShield Plan A/A Plus to AIA HealthShield Gold Plan A; or ii) AIA HealthShield Plan B/B Plus to AIA HealthShield Gold Plan B

is guaranteed - no health questions asked, no medical examination needed and no new medical exclusions applied. However, after 30 June 2007, conversion is subject to underwriting and, depending on your health status, new medical exclusions may apply.

Upgrade from AIA HealthShield Plan B/B Plus to AIA HealthShield Gold Plan A 8. Is underwriting required if I want to upgrade my plan from AIA HealthShield Plan

B/B Plus to AIA HealthShield Gold Plan A?

Yes, underwriting will be required if you want to upgrade your plan.


9. Do I need to pay additional premium if I upgrade my plan from AIA HealthShield

Plan B/B Plus to AIA HealthShield Gold Plan A? When will the upgrade of my plan be effected?

Yes, you need to pay additional premium for AIA HealthShield Gold Plan A as the benefit limits for AIA HealthShield Gold Plan A are higher. Upgrading of AIA HealthShield Plan B/B Plus to AIA HealthShield Plan A can only be effected from the next policy anniversary date of your plan. You can submit your upgrade application, with the help of your AIA Financial Services Consultant, any time before the 15th of the month before your next policy anniversary date. For example, if the next policy anniversary is 1 November 2005, your application for upgrade (effective 1 November 2005) needs to be received by AIA before 15 October 2005. If it is received later than 15 October 2005, the upgrade will be effected 1 November 2006. Please note that you will be covered under your current AIA HealthShield Plan B/B Plus before the effective date of the upgrade.

Deductible and Co-insurance

10. How do the deductible and co-insurance work? The deductible is the portion of costs you are liable for before any benefits are payable and is applied to the claimable amount, not the total bill amount. The claimable amount is calculated based on the schedule of benefit limits for AIA HealthShield Gold Plan A and Plan B. The deductible applies on a policy year basis. Once the total claimable amount for claims arising within the same policy year exceeds the deductible, the deductible will not apply to further claims arising within the same policy year. No deductible is applied for out-patient claims. Co-insurance is the fixed percentage you are liable for in excess of the deductible and is applied to both in-patient and out-patient claims. For AIA HealthShield Gold Plan A and Plan B, the co-insurance is 10%.

Carrying Forward of Claims from Current AIA HealthShield Plan to AIA HealthShield

Gold

11. I have made claims before under my existing AIA HealthShield plan. Will the claims affect the Limit Per Lifetime and Limit Per Policy Year upon my automatic conversion to AIA HealthShield Gold?

Yes. All claims previously paid under your existing AIA HealthShield plan will be accumulated for the purposes of assessing the Limit Per Policy Year (for the relevant policy year) and the Limit Per Lifetime under your new AIA HealthShield Gold plan.


Claims Under AIA HealthShield Gold 12. If I am hospitalised 3 times in a year and each time the bill is less than the

deductible but collectively, it is above the deductible, can I make claims under AIA HealthShield Gold?

Yes, you can claim in this circumstance. As the deductible is applied on a policy year

basis, the hospital bills can be accumulated within the same policy year until they are above the deductible.

13. How do I make a claim? If you are admitted to hospital, you will be required to fill up a claim form. Upon your

discharge, the hospital will send your completed claim form to AIA for assessment. The hospital will also provide details of the bill to AIA through the Central Claims Processing System. After we have completed the assessment of your claim, we will notify the hospital of the claim amount payable under AIA HealthShield Gold. The hospital will then send you a copy of the final hospital bill stating the payment details.

We will administer all payouts to our AIA HealthShield Gold policyholders, including any payouts due under the reformed MediShield. You can call your AIA Financial Services Consultant or our AIA Customer Care Hotline at 1800 248 8000 for assistance in the event of a claim.

AIA Pink of Health

14. How do I find out more details on AIA Pink of Health? You can call your AIA Financial Services Consultant or our AIA Customer Care Hotline at

1800 248 8000 for more details on AIA Pink of Health. 15. Can premiums for AIA Pink of Health be paid using CPF? No. Premiums are payable by cash, cheque or through GIRO payment, and cannot be

paid using CPF.


Appendix A

SCHEDULE OF BENEFITS

Table 1

Limits of Compensation* Benefits

AIA HealthShield

Plan A (S$)

AIA HealthShield Plan A Plus

(S$)


Plan A [NEW] (S$)

Hospitalisation Benefits Daily Room and Board1 500 720 830 Daily ICU Charges1 800 1,150 1,300 Surgical Benefits Surgery Limits Table2: 1 480 600 650 2 960 1,200 1,300 3 1,700 2,000 2,200 4 2,400 2,600 2,800 5 3,600 4,500 5,000 6 4,800 6,000 6,600 7 7,200 8,000 8,800 Surgical Implants/ Approved Medical Consumables3

3,500 (per year)

3,500 (per year)

4,000 (per treatment)

Gamma Knife (per procedure) 12,600 12,600 14,000 Out-Patient Hospital Benefits4 Radiotherapy for cancer (per day) 200 330 400 Stereotactic Radiotherapy for cancer (per treatment)

NA 2,500 2,750

Chemotherapy for cancer (per month) 1,000 1,500 1,600 Immunotherapy for cancer (per month)

800 1,000 1,100

Renal Dialysis (per year) 24,000 30,000 30,000 Erythropoietin (per year) 6,000 6,000 6,000 Cyclosporin (per year) 6,000 6,000 6,000 Extra Cancer Benefit Limit5


NA NA

30,000

100,000

30,000

100,000 Final Expenses Benefit 5,000 5,000 Nil Overall Limit


90,000

270,000

120,000

1,000,000

120,000

5,000,000 Deductible6 (per policy year) 2,500 2,500 3,000 Co-insurance7 15% 15% 10%

* Limits are inclusive of GST. 1 Inclusive of meals, prescriptions, professional charges, investigations and other miscellaneous medical

charges. 2 Surgery Limits Table is the latest surgical operation fee listed in the “Table of Surgical Procedures” under

the Medisave Scheme operated by Ministry of Health. 3 For the purpose of this Surgical Benefit, Surgical Implants/Approved Medical Consumables includes

charges incurred per treatment for intravascular electrodes used for electrophysiological procedures, Percutaneous Transluminal Coronary Angioplasty and inter-aortic balloons (or balloon catheters).

4 Out-Patient Hospital Benefits are not subject to deductible. 5 The Extra Cancer Benefit Limit is provided over and above the Limit Per Policy Year and Limit Per

Lifetime. 6 Deductible is the portion of costs you are liable for before any benefits are payable. 7 Co-insurance is the fixed percentage you are liable for in excess of the deductible.


Table 2

Limits of Compensation* Benefits

AIA HealthShield

Plan B (S$)

AIA HealthShield Plan B Plus

(S$)


Plan B [NEW] (S$)

Hospitalisation Benefits Daily Room and Board1 300 450 450 Daily ICU Charges1 500 740 740 Surgical Benefits Surgery Limits Table2: 1 390 500 500 2 780 1000 1,000 3 1,450 1,800 1,800 4 1,950 2,500 2,500 5 2,850 3,600 3,600 6 4,000 4,500 4,500 7 6,500 7,000 7,000 Surgical Implants/ Approved Medical Consumables3

2,500 (per year)

2,500 (per year)

2,500 (per treatment)

Gamma Knife (per procedure) 9,600 9,600 9,600 Out-Patient Hospital Benefits4 Radiotherapy for cancer (per day) 160 280 280 Stereotactic Radiotherapy for cancer (per treatment)

NA 2,000 2,000

Chemotherapy for cancer (per month)

800 1,200 1,200

Immunotherapy for cancer (per month)

600 700 700

Renal Dialysis (per year) 19,200 24,000 24,000 Erythropoietin (per year) 4,800 5,000 5,000 Cyclosporin (per year) 4,800 5,000 5,000 Extra Cancer Benefit Limit5


NA NA

30,000

100,000

30,000

100,000

Final Expenses Benefit 3,000 3,000 Nil Overall Limit


65,000

195,000

90,000

600,000

90,000

600,000

Deductible6 (per policy year) 1,500 1,500 2,000 Co-insurance7 15% 15% 10% * Limits are inclusive of GST. 1 Inclusive of meals, prescriptions, professional charges, investigations and other miscellaneous medical

charges. 2 Surgery Limits Table is the latest surgical operation fee listed in the “Table of Surgical Procedures” under

the Medisave Scheme operated by Ministry of Health. 3 For the purpose of this Surgical Benefit, Surgical Implants/ Approved Medical Consumables includes

charges incurred per treatment for intravascular electrodes used for electrophysiological procedures, Percutaneous Transluminal Coronary Angioplasty and inter-aortic balloons (or balloon catheters).

4 Out-Patient Hospital Benefits are not subject to deductible. 5 The Extra Cancer Benefit Limit is provided over and above the Limit Per Policy Year and Limit Per

Lifetime. 6 Deductible is the portion of costs you are liable for before any benefits are payable. 7 Co-insurance is the fixed percentage you are liable for in excess of the deductible.


Appendix B

Annual Premiums

Table 1

Age Next Birthday AIA HealthShield

Plan A (S$)

AIA HealthShield Plan A Plus

(S$)


Plan A [NEW] (S$)

30 & below 92 95 95 31 92 95 143 32 138 143 143 33 138 143 143 34 138 143 143 35 138 143 143 36 138 143 143 37 138 143 143 38 138 143 143 39 138 143 143 40 138 143 143 41 138 143 285 42 275 285 285 43 275 285 285 44 275 285 285 45 275 285 285 46 275 285 285 47 275 285 285 48 275 285 285 49 275 285 285 50 275 285 285 51 275 285 476 52 457 476 476 53 457 476 476 54 457 476 476 55 457 476 476 56 457 476 491 57 457 491 491 58 457 491 491 59 457 491 491 60 457 491 491 61 457 491 812 62 731 812 812 63 731 812 812 64 731 812 812 65 731 812 812 66 731 812 1,167 67 1,004 1,167 1,167 68 1,004 1,167 1,167 69 1,004 1,167 1,167 70 1,004 1,167 1,167 71 1,004 1,167 1,673 72 1,338 1,673 1,673 73 1,338 1,673 1,673 74 1,338 1,673 1,964 75 1,571 1,964 1,964 76 1,571 1,964 2,730 77 2,184 2,730 2,730 78 2,184 2,730 2,730 79 2,184 2,730 2,730 80 2,184 2,730 2,730 81 2,184 2,730 2,730

Note: The premium rates for AIA HealthShield and AIA HealthShield Gold are not guaranteed and may be adjusted based on future experience.


Table 2

Age Next Birthday AIA HealthShield

Plan B (S$)

AIA HealthShield Plan B Plus

(S$)


Plan B [NEW] (S$)

30 & below 55 57 57 31 55 57 86 32 83 86 86 33 83 86 86 34 83 86 86 35 83 86 86 36 83 86 86 37 83 86 86 38 83 86 86 39 83 86 86 40 83 86 86 41 83 86 171 42 165 171 171 43 165 171 171 44 165 171 171 45 165 171 171 46 165 171 171 47 165 171 171 48 165 171 171 49 165 171 171 50 165 171 171 51 165 171 285 52 274 285 285 53 274 285 285 54 274 285 285 55 274 285 285 56 274 285 295 57 274 295 295 58 274 295 295 59 274 295 295 60 274 295 295 61 274 295 488 62 439 488 488 63 439 488 488 64 439 488 488 65 439 488 488 66 439 488 700 67 602 700 700 68 602 700 700 69 602 700 700 70 602 700 700 71 602 700 1,004 72 803 1,004 1,004 73 803 1,004 1,004 74 803 1,004 1,178 75 942 1,178 1,178 76 942 1,178 1,649 77 1,319 1,649 1,649 78 1,319 1,649 1,649 79 1,319 1,649 1,649 80 1,319 1,649 1,649 81 1,319 1,649 1,649

Note: The premium rates for AIA HealthShield and AIA HealthShield Gold are not guaranteed and may be adjusted based on future experience.

hs gold booklet en

Documents

medical examination needed

final expenses benefit

aia healthshield gold

medisave scheme operated

additional general exclusions

miscellaneous medical charges

aia healthshield

aia healthshield plan