AIA HealthShield Gold Max and Max Essential (for foreigners) Now covering foreigners 1 too! Hospital bills in Singapore are constantly on the rise. As a foreigner 1 working or living here, a large medical bill can create an overwhelming financial strain on you, especially since most corporate medical insurance do not cover medical bills on an as charged basis. In an instance, all your hard-earned money can be wiped out. That s why we ve now made our AIA HealthShield Gold Max A available to you. So you can be assured of the same comprehensive medical benefits 2 at an affordable rate, for a greater peace of mind while you work or live in Singapore. Have a look at the premiums 3 Attained Age Next Birthday AIA HealthShield Gold Max A Annual Premiums inclusive of 7% GST (S$) 4 Insureds who are dependants of Singapore Citizens (SC) / Singapore Permanent Residents (SPR) 5 Insureds who are foreigners Insureds who are non-dependants of SC /SPR 1 20 200 214 21 30 232 243 31-40 341 354 41 50 639 680 51 55 1,025 1,060 56 60 6 1,147 1,200
What s more, you can further upgrade your cover with our AIA HealthShield Gold Max Essential A that covers the deductible and co-insurance portions of your hospital bill so that you are covered from the first dollar! Have a look at the premiums 7 Attained Age Next Birthday AIA HealthShield Gold Max Essential A Annual Premiums inclusive of 7% GST (S$) 4 Insureds who are dependants of Singapore Citizens (SC) / Singapore Permanent Residents (SPR) 5 Insureds who are foreigners Insureds who are non-dependants of SC /SPR 1 20 350 409 21 30 360 409 31-40 400 415 41 50 460 480 51 55 570 600 56 60 6 770 800 Premium rates do not remain level throughout the life of the policy and will increase with age. The premiums quoted are not guaranteed and are expected to be adjusted from time to time in line with our claim experience, medical inflation cost and general cost of treatment, supplies or medical services in Singapore. 1 Refer to foreigners who are dependants (i.e. legal spouse, parents, grandparents and children) of Singapore Citizen (SC) or Singapore Permanent Resident (SPR) with a Valid Pass, as well as foreigners who are non-dependants of SC/SPR and are working, studying or residing in Singapore and have a Valid Pass. Please refer to the Product Summary for the list of accepted Valid Passes. 2 AIA HealthShield Gold Max A is not available as an integrated Medisave-approved medical insurance plan, should the insured be a foreigner. 3 Policy Owners who are SC/SPR may use their Medisave funds to pay for the premium(s) of AIA HealthShield Gold Max A for their dependants (i.e. legal spouse, parents, grandparents and children) who are foreigners, subject to a withdrawal limit per Insured per policy year of S$800 (or S$1,000 if the Insured is aged between 66 and 75, or S$1,200 if the Insured is aged between 76 and 80, or S$1,400 if the Insured is aged 81 and above, based on attained age next birthday). For foreigners who are non-dependants of SC/SPR, AIA HealthShield Gold Max A premium(s) may only be paid via cash. 4 Monthly payment mode is only available to AIA HealthShield Gold Max A and AIA HealthShield Gold Max Essential A issued to Insureds who are foreigners, provided the premiums payable under AIA HealthShield Gold Max A is fully paid by cash and not paid by CPF Medisave. 5 Premium rates for Insureds who are dependants of SC/SPR are applicable only if the Policy Owners are SC/SPR. 6 Maximum entry age is 60 years old next birthday. Premium rates for ages 61 and above next birthday are for renewal only. Please refer to the Product Summary. 7 AIA HealthShield Gold Max Essential A premiums may only be paid by cash. Important Notes: These insurance plans are underwritten by AIA Singapore Private Limited (Reg. No. 201106386R) ( AIA ). All insurance applications are subject to AIA s underwriting and acceptance. This brochure insert is not a contract of insurance. The precise terms and conditions of these plans, including exclusions whereby the benefits under these plans may not be paid out, are specified in the policy contract. You are advised to read the policy contract. This is only product information provided by us. You should seek advice from a qualified adviser if in doubt. Buying health insurance products that are not suitable for you may impact your ability to finance your future healthcare needs. You are discouraged from switching from an existing accident and/or health insurance policy to a new one without considering whether the switch is detrimental, as there may be potential disadvantages with switching. A penalty may be imposed for early policy termination and the new policy may cost more or have fewer benefits at the same cost. Information is correct at the time of printing (1 November 2013). AIA Singapore Private Limited (Reg. No. 201106386R) 1 Robinson Road, AIA Tower, Singapore 048542 Monday - Friday 8.45am - 5.30pm AIA Customer Care Hotline: 1800 248 8000 aia.com.sg SGPD2013006-360-01112013 TM3300098 (06/2013 11/2013)
Protection AIA HEALTHSHIELD GOLD MAX AIA HEALTHSHIELD GOLD MAX ESSENTIAL Is your Shield plan keeping up with the times? Introducing AIA HealthShield Gold Max, a Medisave-approved medical plan that help you cope with rising healthcare costs. aia.com.sg
72 % of Singaporeans agree that they cannot afford to get sick these days due to the high medical costs* *Source: Singapore s Emigration Conundrum, The Business Times, 6-7 October 2012
AIA HealthShield Gold Max and Max Essential 3 AIA HealthShield Gold Max and AIA HealthShield Gold Max Essential represent the basic components of comprehensive health insurance planning. Medical or hospital expense plans I m concerned about paying for medical expenses if I am hospitalised. Disability income plans I m concerned about loss of income for 3 months or more due to disability through accident or illness. Hospital income, or hospital cash plans I m concerned about loss of income or expenses not covered by my basic medical plan Personal accident plans I m concerned about medical bills and loss of income if I am injured in an accident. Critical illness plans I m concerned about the costs associated with a major illness, like Cancer
As the common saying goes: your health is your wealth. It couldn t be more true Unexpected medical expenses could represent a significant threat to your finances. If you have no protection, or only partial protection, the impact on your savings might be substantial. Wise financial planning involves both saving for the things you want and protecting yourself against the unexpected. Isn t it time to consider a plan that helps with both? AIA HealthShield Gold Max AIA HealthShield Gold Max is a medical expense reimbursement plan that offers protection against medical bills. It reimburses your medical bills up to the amount charged and offers unlimited lifetime claims 1. You pay: You pay: Your medical bill Co-insurance Deductible AIA HealthShield Gold Max + AIA HealthShield Gold Max Essential AIA HealthShield Gold Max Essential is an optional add-on that fills the gaps of your AIA HealthShield Gold Max plan by reimbursing the deductible and coinsurance portions of your hospital bill. This means you enjoy coverage from the first dollar.
AIA HealthShield Gold Max and Max Essential 4 AIA HealthShield Gold Max and AIA HealthShield Gold Max Essential offer affordable lifetime protection against unexpected medical bills. About AIA HealthShield Gold Max AIA HealthShield Gold Max is a Medisave-approved medical expense reimbursement plan designed to meet most of the medical expenses you are likely to incur in public or private hospitals in Singapore, to lessen your financial burden. AIA HealthShield Gold Max offers you a choice of 3 plan types to match your individual needs, allows unlimited lifetime claims 1 and most of the benefits under AIA HealthShield Gold Max A and B are offered on an as charged 2 basis. If you prefer treatment in a lower ward of class in a public hospital, AIA HealthShield Gold Max C will cover most of your hospital bill up to the stipulated benefit limits 2, therefore offering you affordable medical coverage. Enjoy more extensive coverage with these benefits: Covers inpatient stay in Community Hospital Congenital abnormalities benefit for insured (no waiting period) and female insured s biological child 3 Living donor organ transplant benefits for insured and non-insured donor Post-hospitalisation psychiatric treatment Additional claim limits and extended post-hospitalisation treatment for 30 critical illnesses Waive one year s premium upon total and permanent disability Please refer to the Benefit Table for details. GUARANTEED lifetime renewal and unlimited lifetime claims 1 USE YOUR CPF Affordable premium payments using your CPF You can simply use your CPF Medisave funds 4 to pay for AIA HealthShield Gold Max premiums for you and your family members.
Benefits of AIA HealthShield Gold Max Limits of Compensation (S$ and inclusive of GST) Plan Type A B C Hospital Ward Entitlement 1. Hospitalisation and Surgical Benefits Daily Room and Board Benefit Daily ICU Benefit Community Hospital Benefit (per day) Surgical Benefit (include Organ Transplant Benefit and Stem Cell Transplant Benefit) Surgical Procedures 5 Surgical Implants and Approved Medical Consumables Stereotactic Radiosurgery 2. Pre-Hospitalisation Benefit (within 100 days before confinement) Standard Room in Private Hospital and below Standard Room in Government/ Restructured Hospital As Charged As Charged Standard Room in Private Hospital and below 450 per day 900 per day 450 per day As Charged in Government/ Restructured Hospital 6 7,000 per treatment 9,600 per procedure 500 per confinement 3. Post-Hospitalisation Benefit Post-Hospitalisation Treatment (within 100 days after confinement) Extended Post-Hospitalisation Treatment for 30 Critical Illnesses (within 100 days following the expiry of Post-Hospitalisation Treatment) 4. Accidental Inpatient Dental Treatment Benefit As Charged Subject to the respective Limits of Compensation applicable to benefits under points (1) to (3) 1,000 per confinement 5. Pregnancy Complications Benefit 7 As Charged NIL 6. Congenital Abnormalities Benefits For female insured s biological child from birth 8 20,000 per lifetime Limit to 5,000 per child 16,000 per lifetime Limit to 4,000 per child NIL For insured Subject to the respective Limits of Compensation applicable to benefits under points (1) to (3) 7. Living Donor Organ Transplant Benefits Insured donating an organ Non-insured donating an organ to the insured 60,000 per transplant 40,000 per transplant 20,000 per transplant 8. Emergency Overseas Medical Treatment Benefit Subject to the respective Limits of Compensation applicable to benefits under point (1)
AIA HealthShield Gold Max and Max Essential 6 Limits of Compensation (S$ and inclusive of GST) Plan Type A B C Hospital Ward Entitlement Standard Room in Private Hospital and below Standard Room in Government/ Restructured Hospital Standard Room in Private Hospital and below 9. Psychiatric Treatment Benefits In-Hospital Psychiatric Treatment Post-Hospitalisation Psychiatric Treatment (within 200 days after confinement) 5,000 per policy year 5,000 per policy year 4,000 per policy year 2,500 per policy year 3,500 per policy year 500 per policy year 10. Outpatient Benefits 9 Private Hospital Type of Hospital and Government/ Restructured Hospital Radiotherapy for cancer Stereotactic Radiotherapy for cancer Chemotherapy for cancer Immunotherapy for cancer As Charged Renal Dialysis Erythropoietin Approved Immunosuppressants prescribed for organ transplant Private Hospital 500 per day 10 4,000 per treatment 10 36,000 per policy year 10 24,000 per policy year 10 36,000 per policy year 10 7,200 per policy year 10 7,200 per policy year 10 Government/ Restructured Hospital As Charged Private Hospital and Government/ Restructured Hospital 280 per day 2,000 per treatment 1,240 per month 700 per month 24,000 per policy year 5,000 per policy year 5,000 per policy year 11. Final Expense Benefit 9 5,000 per policy 3,500 per policy 2,500 per policy 12. Waiver of Premium for 1 year Benefit (upon Total and Permanent 9, 11 Disability) 13. Extra Cover for 30 Critical Illnesses Benefit Maximum Claim Limit Maximum Limit per policy year Maximum Limit per lifetime 100,000 per policy year Unlimited per lifetime 600,000 Unlimited Waive one year s premium 75,000 per policy year Unlimited per lifetime 450,000 Unlimited 30,000 per policy year Unlimited per lifetime 150,000 Unlimited Pro-ration Factor 6 NIL 70% 50% Deductible (per policy year) Below age 82 next birthday 12 C class ward 1,500 B2 class ward 2,000 B1 class ward 2,500 A class ward 3,500 Private Hospital (All ward types, except 3,500 day surgery and short stay ward) Day surgery/short stay ward 2,000 Co-insurance 10% Last Entry Age (next birthday) 75 1,500 2,000 2,500 2,500 2,500 2,000 Maximum Coverage Period Lifetime
About AIA HealthShield Gold Max Essential AIA HealthShield Gold Max Essential is an optional add-on that complements your AIA HealthShield Gold Max plan to cover any deductible or co-insurance portions of your hospital bill. Additional valuable benefits include: Daily hospital incentive Immediate family member accommodation Post-hospitalisation alternative medicine (for cancer and stroke) Post-hospitalisation home nursing Emergency outpatient treatment due to an accident Are you already adequately protected? While CPF Medisave, CPF MediShield, and employer-provided health benefits offer some level of protection for most people, these measures do not add up to a comprehensive lifetime solution: CPF Medisave A serious accident or illness could wipe out your entire account balance. CPF MediShield May cover a portion of the medical cost. Coverage ends when you reach 90 years old. For more information, please visit www.cpf.gov.sg. Employee health benefits Coverage typically ends when you leave the company or retire.
AIA HealthShield Gold Max and Max Essential 8 Benefits of AIA HealthShield Gold Max Essential Limits of Compensation (S$ and inclusive of GST) Plan Type A B C Hospital Ward Entitlement Standard Room in Private Hospital and below Standard Room in Government/ Restructured Hospital Standard Room in Private Hospital and below Deductible and Co-insurance Covered Daily Hospital Incentive Benefit 13 250 per day (Admission in Government/ Restructured Hospital B1/B2/C class ward) 150 per day (Admission in Government/ Restructured Hospital A class ward) 150 per day (Admission in Government/ Restructured Hospital B2/C class ward) 100 per day (Admission in Government/ Restructured Hospital B1 class ward) 50 per day (Admission in Government/Restructured Hospital C class ward) Immediate Family Member Accommodation Benefit 14 (upon physician s or specialist s advice in writing for period of confinement) Standard charges for an additional bed Standard charges for an additional bed Up to 70 per day Standard charges for an additional bed Up to 50 per day Post-Hospitalisation Alternative Medicine Benefit 14 for cancer and stroke (within 100 days after confinement) Post-Hospitalisation Home Nursing Benefit 14 (within 26 weeks after confinement) Emergency Outpatient Treatment due to Accident Benefit 5,000 per policy year 3,000 per policy year 1,000 per policy year 500 per day 5,000 per policy year 300 per day 3,000 per policy year 100 per day 1,000 per policy year 2,000 per policy year 1,000 per policy year 500 per policy year
Annual Premiums (S$ and inclusive of GST) Age Next Birthday AIA HealthShield Gold Max A B C 1-20 200 143 110 21-30 232 165 136 31-40 341 258 207 41-50 639 518 345 51-55 1,025 763 500 56-60 1,147 800 533 61-65 1,667 1,119 723 66-70 2,250 1,827 925 71-73 2,831 2,339 1,219 74-75 15 3,162 2,570 1,414 Age Next Birthday AIA HealthShield Gold Max Essential A B C 1-20 330 215 140 21-30 350 235 160 31-40 390 260 190 41-50 430 370 295 51-55 530 480 435 56-60 730 695 525 61-65 1,120 1,005 825 66-70 1,730 1,660 1,125 71-73 2,220 2,170 1,345 74-75 15 2,260 2,205 1,565 Premium rates do not remain level throughout the life of the policy and will increase with age. The premiums quoted are not guaranteed and are expected to be adjusted from time to time in line with our claim experience, medical inflation cost and general cost of treatment, supplies or medical services in Singapore.
AIA HealthShield Gold Max and Max Essential 10 Example Mr Khor, a 32-year-old sales engineer is covered under the AIA HealthShield Gold Max A with AIA HealthShield Gold Max Essential A plan. After experiencing an unexplained weight loss and blood in his stool, he visited a specialist for a colonoscopy examination, which revealed a stage 3 colon cancer. He was hospitalised in a Government Hospital A class ward for 30 days and underwent surgery. After being discharged from the hospital, Mr Khor went for chemotherapy treatments for a year. His condition has now stabilised. The following table illustrates the list of benefits and claims payable by AIA: Medical Expenses Amount Payable (S$) Pre-Hospitalisation Benefit (specialist consultation and colonoscopy) 549 Hospitalisation and Surgical Benefits Daily Room and Board (30 days in Government Hospital A ward) Surgery Outpatient Benefit Chemotherapy for cancer Total medical expenses subject to Deductible and Co-insurance 27,243 10,590 31,458 69,840 (X) Less Deductible (not applicable to Outpatient Benefit) 3,500 (Y) Balance less Deductible 66,340 Less 10% Co-insurance (10% x S$66,340) AIA HealthShield Gold Max A pays AIA HealthShield Gold Max Essential A pays: Deductible and Co-insurance Daily hospital incentive (S$150 x 30 days) 6,634 (Z) 59,706 (X Y Z) 10,134 (Y+Z) 4,500 Mr Khor pays 0
Frequently Asked Questions It is always our intention to write in plain English, and to be as transparent as possible when describing our products. The questions and answers below reflect the most common concerns raised by our customers. If you have any other questions not addressed here, please ask your AIA Financial Services Consultant for more information. Alternatively, you may visit our website at aia.com.sg or contact our AIA Customer Care Hotline at 1800 248 8000. Q1. Am I eligible to apply for AIA HealthShield Gold Max for myself and my family members? You can apply for AIA HealthShield Gold Max for yourself and your family members (grandparents, parents, spouse or children) if you and your family members are Singaporeans or Singapore Permanent Residents aged 75 years or below on your/their next birthday. Q2. How can I pay premiums for myself and my family members? AIA HealthShield Gold Max premiums can be paid from your CPF Medisave account, subject to the CPF Medisave withdrawal limit 4. If you have insufficient funds in your CPF Medisave account, or if your premium exceeds the CPF Medisave withdrawal limit 4, the balance of the premium payment must be made by cash. AIA HealthShield Gold Max Essential premiums can only be paid by cash. Q3. Will my premium change when I renew my policy? Your premium will change as you move into the next age group. Q4. Are these plans guaranteed renewable? Yes, they are guaranteed yearly renewable on your policy anniversary date by payment of the annual premium in advance before the end of the grace period. Q5. Do I have to take a medical examination? Subject to underwriting, you may be required to take a medical examination. Q6. What are deductible and co-insurance? The deductible is a fixed amount of up to a stipulated amount on a policy year basis that you have to pay first before the benefits are paid. The co-insurance is a fixed percentage of the medical bill that you have to pay after deducting the deductible amount. Q7. What conditions are excluded under these plans? Exclusions common to many medical expense reimbursement plans apply to AIA HealthShield Gold Max and AIA HealthShield Gold Max Essential, including: Pre-existing conditions, which means any illness or condition that occurred before the date your policy began or the date your policy was last reinstated, whichever is later (unless a declaration has been made by the Insured at the time of application or reinstatement of the policy and we have specifically accepted the application). Treatment for infertility, sub-fertility, assisted conception or any contraceptive operation and sex change operations. Treatment arising from injuries sustained during wars (whether war be declared or not), civil commotion, riots, revolutions, strikes, nuclear reaction or any war-like operations.
AIA HealthShield Gold Max and Max Essential 12 There are other conditions whereby the benefits under these plans will not be payable. You are advised to read the policy contracts for the full list of exclusions. Q8. Is there a waiting period before I am eligible for certain benefits? There are waiting periods applicable to some benefits under these plans. Such benefits shall not be payable if the condition relating to or covered by the benefits is diagnosed during the waiting period. These waiting periods start from the date your respective plan began, the last reinstatement date of your respective plan (if any) or effective date of plan upgrade (if any), whichever is latest. (i) For pregnancy complications benefit, a waiting period of 10 months applies. (ii) For congenital abnormalities of insured s biological child from birth, a waiting period of 10 months applies. (iii) For insured (as living donor) donating an organ, a waiting period of 24 months applies. The date the recipient of the organ is first diagnosed with organ failure must be after the 24 months waiting period. Q9. Can I buy AIA HealthShield Gold Max Essential after my AIA HealthShield Gold Max plan is incepted? Yes you can. However, the waiting periods applicable to benefits under AIA HealthShield Gold Max Essential will start from the inception date or the last reinstatement date of the rider, whichever is later. Please refer to the policy contract for more information. Q10. How will I receive my claim payout? Most benefits payable under the plans are paid on a reimbursement basis (except for Waiver of Premium Benefit (upon Total and Permanent Disability) under AIA HealthShield Gold Max and Daily Hospital Incentive Benefit under AIA HealthShield Gold Max Essential), which means that any claim needs to be supported by original hospital or medical bills. Q11. Can I change my mind and cancel the policy after I ve purchased? Yes you can. You may cancel AIA HealthShield Gold Max by writing to us within 2 calendar months from the date you receive your AIA HealthShield Gold Max policy document (free-look period). You may cancel AIA HealthShield Gold Max Essential by writing to us within 14 days from the date you receive your AIA HealthShield Gold Max Essential policy document (free-look period) or within the free-look period of your AIA HealthShield Gold Max (whichever is later).
1 Subject to policy year limit and any overall benefit limits. 2 We shall pay the Eligible Expenses incurred, subject to any applicable Pro-ration Factor, Deductible and/or Coinsurance and any other benefit limits as stated in the Benefit Table and subject to the terms and conditions of the policy contract. 3 This benefit is not applicable to AIA HealthShield Gold Max C plan. 4 From 1 Nov 2013, the Medisave withdrawal limit per Insured per policy year is: S$800 for age 65 and below next birthday S$1,000 for age 66 to 75 next birthday S$1,200 for age 76 to 80 next birthday S$1,400 for age 81 and above next birthday 5 Surgical Procedures refer to the types of surgical operations listed in the Table of Surgical Procedures under the Medisave Scheme operated by the Ministry of Health excluding all surgical operations stated in the General Exclusions and any other surgical operations that are not specified in the Table of Surgical Procedures. The costs of any surgical implants, Approved Medical Consumables and/or Stereotactic Radiosurgery procedure are not included in this portion of the benefit. 6 For AIA HealthShield Gold Max B, all Eligible Expenses incurred (except for any Eligible Expenses incurred under the Outpatient Benefit stated in footnote 10) are subject to the Pro-ration Factor, if such expenses are incurred in a private hospital/private medical institution or any hospital outside of Singapore. For AIA HealthShield Gold Max C, only Eligible Expenses incurred for Surgical Procedures under Surgical Benefit is subject to the Pro-ration Factor if such expenses are incurred in a private hospital/private medical institution or any hospital outside of Singapore. 7 Pregnancy complications covered are Ectopic pregnancy, Pre-eclampsia or eclampsia, Disseminated Intravascular Coagulation (DIC), Miscarriage (after 21 weeks of pregnancy), Acute Fatty Liver Pregnancy and Choriocarcinoma and Hydatidiform Mole. 8 Reimburse Eligible Expenses incurred during the first 24 months from date of birth of the child. 9 Eligible Expenses incurred under the Outpatient Benefit are not subject to the Deductible but are subject to Coinsurance. The Final Expense Benefit and Waiver of Premium for 1 Year Benefit (upon TPD) are not subject to either the Deductible or Co-insurance. Eligible Expenses incurred under all other benefits are subject to the Deductible and Co-insurance. 10 For AIA HealthShield Gold Max B, if the insured incurs the Eligible Expenses in a private hospital/any other private medical institution above the benefit limits for each outpatient treatment, the excess amounts will be subject to the Pro-ration Factor. 11 The benefit expires on the policy anniversary occurring on or immediately following the insured s 70 th birthday. Please refer to the policy contract for the exact definitions of Total Permanent Disability. 12 For ages 82 and above next birthday, please refer to the product summary. 13 Exclude day surgery, short stay ward in an emergency department of a hospital, hospitalisation in a community hospital, hospitalisation overseas due to emergency and hospitalisation due to psychiatric condition. 14 These benefits are not payable if the insured is diagnosed and confined in a hospital due to a psychiatric condition. 15 Maximum entry age is 75 years old next birthday. Premium rates for ages 76 and above next birthday are for renewal only. Please refer to the product summary. Important Notes: These insurance plans are underwritten by AIA Singapore Private Limited (Reg. No. 201106386R)( AIA ). All insurance applications are subject to AIA s underwriting and acceptance. This brochure is not a contract of insurance. The precise terms and conditions of these plans, including exclusions whereby the benefits under these plans may not be paid out, are specified in the relevant policy contracts. You are advised to read the policy contracts. This is only product information provided by us. You should seek advice from a qualified adviser if in doubt. Buying health insurance products that are not suitable for you may impact your ability to finance your future healthcare needs. You are discouraged from switching from an existing accident and/or health insurance policy to a new one without considering whether the switch is detrimental, as there may be potential disadvantages with switching. A penalty may be imposed for early policy termination and the new policy may cost more or have fewer benefits at the same cost. AIA HealthShield Gold Max is issued under a joint insurance arrangement with the Central Provident Fund (CPF) Board to enhance the coverage provided by MediShield. Please note that you can use your CPF Medisave account to purchase only one Medisave-approved medical insurance scheme per Insured at any one time. The information is correct at the time of printing (13 January 2014).
About AIA Group AIA HealthShield Gold Max and Max Essential 14 AIA Group Limited and its subsidiaries (collectively AIA or the Group ) comprise the largest independent publicly listed pan-asian life insurance group. It has operations in 17 markets in Asia Pacific wholly-owned branches and subsidiaries in Hong Kong, Thailand, Singapore, Malaysia, China, Korea, the Philippines, Australia, Indonesia, Taiwan, Vietnam, New Zealand, Macau, Brunei, a 97 per cent subsidiary in Sri Lanka, a 26 per cent joint venture in India and a representative office in Myanmar. The business that is now AIA was first established in Shanghai over 90 years ago. It is a market leader in the Asia Pacific region (ex-japan) based on life insurance premiums and holds leading positions across the majority of its markets. It had total assets of US$147 billion as of 31 May 2013. AIA meets the savings and protection needs of individuals by offering a range of products and services including retirement savings plans, life insurance and accident and health insurance. The Group also provides employee benefits, credit life and pension services to corporate clients. Through an extensive network of agents and employees across Asia Pacific, AIA serves the holders of more than 27 million individual policies and over 16 million participating members of group insurance schemes. AIA Group Limited is listed on the Main Board of The Stock Exchange of Hong Kong Limited under the stock code 1299 with American Depositary Receipts (Level 1) traded on the over-the-counter market (ticker symbol: AAGIY ).
AIA Singapore Private Limited (Reg. No. 201106386R) 1 Robinson Road, AIA Tower, Singapore 048542 Monday - Friday 8.45am - 5.30pm AIA Customer Care Hotline: 1800 248 8000 aia.com.sg SGPD2013001-387-13012014