AIA HealthShield Gold Max

AIA HealthShield Gold Max is a health insurance plan from AIA Singapore, available to residents of Singapore. Sum insured ranges from varies, eligible ages 18 to 65, and the policy is annual. Below is our take on how it compares to other health plans in our database — what it does well, where it lags, and the kind of policyholder it actually fits.

Annual premium starts at S$300, against a category median of S$850 across the 9 comparable health plans we track in this country. That places AIA HealthShield Gold Max in the lower-mid range on price, and the middle of the pack on coverage ceiling (maximum sum insured N/A versus a peer median of N/A). On the value spectrum it reads as priced near the category median.

Coverage is on the leaner side compared to category peers: 0 core inclusions, 3 highlighted features, and 0 optional riders. Notable features called out by AIA Singapore include MediShield Life Top-Up, Private Hospital Cover, and As-Charged.

Where AIA HealthShield Gold Max explicitly will not pay: Pre-existing conditions exclusions apply. These are not unusual exclusions for a health plan, but they are the boundary of the contract — anything outside that list is in scope, anything inside is not. Read the full exclusions list before signing; every plan we have ever audited has at least one exclusion the buyer did not realise was there.

Best fit for: buyers prioritising lowest annual outlay. As with any insurance decision, get a quote from AIA Singapore directly to confirm the rate that actually applies to your profile — listed prices are illustrative.