• AIG Health Insurance

    Overview of AIG Health Insurance

    Our ancestors worked hard on the field and indulged in a variety of activities that involved physical labour. Their active lifestyles helped them to stay healthy and fit. However, we live sedentary lifestyles unlike our ancestors and so we are prone to a wide range of health issues. These health issues can even be life threatening at times and only the best of medical treatment can protect and save us. However, the cost of medical treatment and healthcare services is very high these days and many people find it hard to bear this cost. AIG Health Insurance can help people deal with the rising cost of healthcare in Singapore.

    American International Group (AIG) is one of the largest insurance companies in the world. It has a presence in about 130 countries and serves more than 85 million customers. The company has been active in Singapore since 1953. In Singapore, AIG offers a variety of insurance products including health insurance. AIG Health Insurance is the ideal solution for those who want an all-inclusive insurance policy.

    AIG Health Insurance Policies

    In Singapore, AIG provides the following health insurance policies:

    1. AIG Venus Care –

    It is a health insurance policy that has been designed keeping in mind the needs of women. It provides financial benefits, in the form of a lump sum payment, to women who are diagnosed with female cancers.

    Features and Benefits of Venus Care

    • It offers a lump sum payment of maximum S$80,000 to the policyholder upon the initial diagnosis of a female cancer that is covered by the policy.
    • It reimburses actual medical expenses (in-hospital) up to 10% of the insured sum when the policyholder is diagnosed with a female cancer.
    • It reimburses post-hospitalisation expenses up to an amount of S$1,000 within 3 months of being discharged from the hospital.
    • It offers a maintenance benefit of up to S$1,000 per month if the policyholder is employed and is unable to return to work within a month of being discharged from the hospital (when diagnosed with female cancers).
    • It offers a lump sum amount of maximum S$5,000 if the policyholder dies due to any of the covered female cancers.

    Eligibility

    Women in the age group of 16 – 64 years are eligible for this policy.

    Documentation

    When applying for Venus Care, the following forms are to be submitted:

    • Product Summary
    • KYC form
    • Application form
    • AIG’s Advice and Reasons Why form

    1. GlobalHealth Advantage Plan –

    The GlobalHealth Advantage Plan from AIG offers a variety of policy options and caters to people with all kinds of healthcare related needs. It is the ideal healthcare plan for those who want to get access to premier healthcare services without exhausting their savings.

    Features and Benefits of GlobalHealth Advantage Plans

    The common features and benefits of the GlobalHealth Advantage Plans are as follows:

    • They offer the option of adding dental cover.
    • They provide the policyholder with access to 24/7 emergency assistance service.
    • They offer post-hospitalisation and out-patient surgery benefits.
    • They offer emergency medical repatriation and evacuation service.
    • They offer the freedom of selecting any clinic or hospital in their selected region of coverage.

    Types of GlobalHealth Advantage Plans

    The different types of GlobalHealth Advantage Plans and their features and benefits are listed below.

    1. Advantage 100
      • It offers worldwide coverage.
      • It offers a maximum coverage of S$300,000 for each disability.
      • It offers choices of deductibles starting from S$600 for each disability.
    2. Advantage 200
      • It offers worldwide coverage.
      • It offers a maximum coverage of S$300,000 for each disability.
      • It offers choices of deductibles starting from 0 - S$6,000 per annum.
      • It offers the choice of adding a cover for out-patient treatments.
    3. Advantage 300
      1. It comes with the option of excluding coverage for North America, to reduce premiums.
      2. It offers a maximum coverage of S$3,800,000 per annum.
      3. It offers choices of deductibles starting from 0 - S$6,000 per annum.
      4. It offers full coverage for both out-patient and in-patient treatments along with comprehensive pre- and post-hospitalisation coverage.
    4. Advantage 400
      • It comes with the option of excluding coverage for North America, to reduce premiums.
      • It offers a maximum coverage of S$3,800,000 per annum.
      • It offers choices of deductibles starting from 0 - S$6,000 per annum.
      • It offers full coverage for both out-patient and in-patient treatments.
    5. Advantage 500
      • It offers the option of excluding coverage for North America, to reduce premiums.
      • It offers a maximum coverage of S$ 3,800,000 per annum.
      • It offers choices of deductibles starting from 0 - S$6,000 per annum.
      • It comes with full coverage for both out- and in-patient treatments.
      • It offers maternity coverage of maximum S$12,500 per pregnancy.

    Compare AIG Health Insurance With Other Insurance Companies Offering Health Insurance in Singapore

    FAQs - AIG Health Insurance

    1. What are the Female Cancers covered by Venus Cover?

      The Venus Cover policy covers breast cancer and cancers related to female reproductive organs such as fallopian tube, ovary, vagina, vulva, uterus and cervix.

    2. Will there be any increase in the premiums for my Venus Care policy with age?

      Yes, there will be an increase in your insurance premiums with age and the policy is age banded.

    3. Is there any co-payment for the GlobalHealth Advantage Plans?

      No, there is no co-payment for any of the GlobalHealth Advantage Plans.

    4. I want to opt for the Dental Plan with my GlobalHealth Advantage 100 plan. What is the premium amount that I will have to pay for this plan?

      The Dental Plan comes with a premium amount of S$640 per annum (per person).

    5. At what stage does underwriting takes place for the GlobalHealth Advantage Plans?

      For all the GlobalHealth Advantage Plans, full underwriting takes place at the application stage and not at the claims stage.

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