So it finally happened! I wasn’t expecting an increase in premium due to AIA being profitable but to move with the times and match AXA Shield’s 365-days Post-hospitalisation benefit, AIA had to increase premium for HealthShield Gold Max A to enhance the benefits.
The Max A plan isn’t the only changes AIA made. Find out more here!
My Thinking Out Loud! 
Hi Eric
Currently my dad has Max C plan, I wonder if it is advisable to switch to B lite?
My agent said it is not advisable as Max C can stay in A ward and B lite can only stay in B1.
Appreciate your reply.
Thanks
CX
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Hey CX, this is a great question.
It’s a matter of expectation really. Does your dad want to stay at a single-bedded room? If yes, stick to Max C.
* Note that both Max C & B-Lite have a Pro-ration factor of 50% for hospital charges at Private Hospital. And Max B-Lite has Pro-ration factor of 80% for Public hospital A-ward.
Max C will also stay cashless with premium coming out from MediSave after age 80. With Max B-Lite, you’d have to fork out cash at age 74 next birthday.
So what are the advantages of going B-Lite? Well, you’re future-proofing if you want to move your dad to B-Lite. There are caps for Room & Board/ICU and surgical implants for Max C while Max B-Lite is “as charged”.
I had a client who have to implant a pacemaker when she was 70+. That pacemaker cost $18,000. The Max C limit for surgical implant is $7000, so she had to come out $9,000 cash for it. The $700 Room & Board limit may be high compared to NUH $420+ now, but how about 10-20 years later?
If your dad don’t mind a 4-bedded and you’re financially prepared to pay the extra premium in cash, upgrade to B-Lite while your dad is still healthy.
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Thanks for sharing, Eric.
I was not aware of the cash portion part. When I ask my agent, he said the premium for the essential part is the same and I wasn’t able to find the cost beyond age 75(not in brochure). Is it available online?
It would be great if you could share the comparison and cost between Max C and B lite.
CX
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Hi CX, you can ask your agent for the product summary which has the breakdown up to age 100. I will update the article eventually but no one has asked about it so I have not done a comparison in premium.
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