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    • AIA Healthshield Support

    CLAIM-BASED PRICING (CBP)

    Encouraging more prudent use of healthcare services

    GIVING YOU CONTROL OVER YOUR PREMIUMS

    Claim-based pricing (CBP) is a fairer pricing
    approach where your premiums are
    adjusted
    based on the claims that you make.

    UP TO 25% DISCOUNT

    off your Standard Level premium if no claims are made under your AIA Max VitalCare – highest discount in the market!

    NO INCREASE

    in premium level if you choose to seek treatment at a public / restructured hospital.

    keeping healthcare costs affordable

    Medical claims have been growing quickly which has led to rapid increase in premiums. The introduction of claim-based pricing aims to address this by encouraging more prudent use of healthcare services.

    STABILISE CLAIMS

    for continued access to affordable
    and quality healthcare.

    REWARD CUSTOMERS

    who are prudent in their use of
    healthcare services.

    who does this apply to?

    only for AIA MAX vitalcare customers

    All existing AIA Max Essential A policies will be converted to AIA Max VitalCare from policy anniversary on / after 1 April 2021.

    AIA Max VitalCare is a rider attached to AIA HealthShield Gold Max A that helps to keep out-of-pocket expenses to the minimum, while giving you control over your premiums.

    AIA MAX VITALCARE

    Medical Protection

    HOW DOES CLAIM-BASED PRICING work?

    With claim-based pricing, premiums at each policy anniversary may increase or decrease depending on the source of claim and the amount of claim paid under AIA Max VitalCare during each policy year.

    Source of Claim Claim Amount Movement of Premium Level
    No claims $0

    Down 1 Level

    (Limit at Standard Level)
    Public / Restructured Hospital Any amount

    Down 1 Level

    (Limit at Standard Level)
    Private Hospital $1,000 and below Remains same level
    Above $1,000 and up to $5,000

    Up 2 Levels

    (Limit at Level 4)
    $5,000 & above

    Up 4 Levels

    (Limit at Level 4)

    There are 5 premium levels – starting with Standard Level (the lowest premium level), followed by Level 1 to Level 4 (the highest premium level). Your premium level will determine how much your premium will be multiplied by.

    • AGE TILL 54
    • AGE 55 & ABOVE

    (based on age next birthday)

    The longer you stay in standard level, the more you save on your premium!

    No claims made for... Discount
    1 policy year 10%
    2 consecutive policy years 10%
    3 consecutive policy years 15%
    4 consecutive policy years 15%
    5 or more consecutive policy years 25%

    The longer you stay in standard level, the more you save on your premium!

    No claims made for... Discount
    1 policy year 10%
    2 consecutive policy years 10%
    3 consecutive policy years 15%
    4 consecutive policy years 15%
    5 or more consecutive policy years 25%

    For the purposes of determining premium level and no claim discount rate, policy year refers to the 12-month period immediately prior to the 2 calendar months before your next policy renewal.

    (based on age next birthday)

    The longer you stay in standard level, the more you save on your premium!

    No claims made for... Discount
    1 policy year 10%
    2 consecutive policy years 10%
    3 consecutive policy years 15%
    4 consecutive policy years 15%
    5 or more consecutive policy years 25%

    The longer you stay in standard level, the more you save on your premium!

    No claims made for... Discount
    1 policy year 10%
    2 consecutive policy years 10%
    3 consecutive policy years 15%
    4 consecutive policy years 15%
    5 or more consecutive policy years 25%

    For the purposes of determining premium level and no claim discount rate, policy year refers to the 12-month period immediately prior to the 2 calendar months before your next policy renewal.

    Here's an Example

    John, 31 years old, pays a Standard Level Premium for his AIA Max VitalCare policy at his policy issue date, 1 May 2021.

    1 May 2021

    John pays a Standard Level Premium

    1 May 2022

    No claim was made in the past policy year

    Down 1 Level*

    1 May 2023

    Claimed for a $6,000 bill from a public / restructured hospital

    Down 1 Level*

    1 May 2024

    Claimed for a $5,100 bill from a private hospital

    Up 4 Levels

    1 May 2025

    No claims made in the past policy year

    Down 1 Level

    *The lowest premium level is Standard Level. Therefore John’s premium level remains at Standard Level.

    HAVE A QUESTION about claim-based pricing?

    HAVE A QUESTION about claim-based pricing?

    You may find the answer in our Frequently-Asked Questions (FAQs).

    CONTACT AIA

    1800 248 8000

    1 Finlayson Green
    Singapore 049246
    View Details
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    AIA.COM

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    Go To
    CONTACT AIA

    1800 248 8000
     

    1 Finlayson Green
    Singapore 049246

    View Details
    GO TO

    AIA.COM

    Visit our corporate site to learn more about AIA.
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