AIA Private Health — wording change history

What changed

1. 2026-05-18 · v2025-01-26 → v2025-08-05

   The policy added detailed explanatory sections about excess amounts, premium discounts, and how to change excess selections, while removing or condensing other content. Members now have clearer guidance on excess options, discount structures, and procedures for modifying their excess amount.

   fee changebenefit addedexclusion changewaiting period change +3160 chars · −11287 chars · 20 sections affected

2. 2026-05-18 · v2024-05-14 → v2025-01-26

   The policy added detailed sections explaining the Waiver of Premium Benefit, including definitions of total disability, claim procedures, and conditions for ceasing the benefit. Members can now understand when premiums are waived if they become totally disabled, how to claim this benefit, and when the waiver ends.

   fee changeexclusion changewaiting period changebenefit addedpharmac changemental health changepre existing change +11296 chars · −70461 chars · 95 sections affected

3. 2026-05-18 · v2024-03-10 → v2024-05-14

   The policy document was substantially reorganised and expanded with new introductory sections, clearer structure, and additional explanatory content. Members will find the policy easier to navigate with new introductory sections explaining what the product is and how to contact AIA, though the core coverage terms remain from the same date version.

   exclusion changebenefit addedfee changepharmac changemental health changepre existing changewaiting period change +70461 chars · −7204 chars · 93 sections affected

4. 2026-05-18 · v2023-01-30 → v2024-03-10

   The policy wording was reorganised with new sections added including Built in Benefits, Reproductive Health, and Enhancements to Private Health, while some existing content was removed or consolidated. Members will see clearer categorisation of what is covered under built-in benefits versus optional add-ons, and new detail on reproductive health coverage.

   exclusion changebenefit addedmental health changefee changewaiting period change +7208 chars · −10112 chars · 28 sections affected

5. 2026-05-18 · v2023-01-30 → v2023-01-30

   The policy document added a new Waiver of Premium Benefit section with detailed eligibility criteria and claims procedures for when policyholders become totally disabled. Members can now have their regular premiums waived if they meet the total disability definition, rather than continuing to pay premiums while unable to work.

   fee changebenefit addedexclusion changewaiting period changepharmac changemental health changepre existing change +10138 chars · −67236 chars · 106 sections affected

6. 2026-05-18 · v2023-01-19 → v2023-01-30

   The policy document was restructured with new introductory sections added and content reorganized across 93 sections, resulting in a net increase of 15,570 characters. Members will encounter additional welcome and explanatory content at the start of their policy documents, along with updated contact information for Sovereign Private Health.

   exclusion changebenefit addedfee changepharmac changemental health changepre existing changewaiting period change +15570 chars · −18936 chars · 93 sections affected

7. 2026-05-18 · v2022-01-30 → v2023-01-19

   The policy added new sections covering premium payment terms, cancellation conditions, a pass-back benefit, and a healthcare partnership programme, increasing total wording by approximately 2,700 net characters. Members now have clearer information about when policies can be cancelled, how premiums must be paid, consequences of late payment, and details of a new benefit pass-back feature and partnership programme.

   exclusion changebenefit addedfee changepre existing changepharmac changemental health changewaiting period change +15038 chars · −12294 chars · 89 sections affected

8. 2026-05-18 · v2022-01-29 → v2022-01-30

   The policy document was restructured with new introductory sections added, including welcome information, product definition, and contact details, while maintaining core coverage terms. Members will encounter additional introductory material and clearer contact information when reviewing their policy documents.

   exclusion changebenefit addedfee changepharmac changemental health changewaiting period changepre existing change +67858 chars · −10179 chars · 97 sections affected

9. 2026-05-18 · v2022-01-24 → v2022-01-29

   The policy added detailed sections explaining when premium waivers apply if the policyholder becomes totally disabled, including definitions, claim procedures, and ongoing requirements. Members can now understand the specific conditions under which their premiums will be waived during total disability and what they must do to maintain this benefit.

   fee changeexclusion changewaiting period changebenefit addedpharmac changemental health changepre existing change +9900 chars · −67002 chars · 87 sections affected

10. 2026-05-18 · v2021-01-28 → v2022-01-24

    The policy document was restructured with formatting changes (bold to italics), contact information reorganized, and an Exclusions Table added while removing a separate AIA Private Health Plus section. Members will find exclusions clearly listed in one table rather than distributed across sections, and contact details presented differently in the document layout.

    benefit addedexclusion changepre existing changepharmac changemental health changefee changewaiting period change +12716 chars · −13493 chars · 65 sections affected

11. 2026-05-18 · v2019-09-22 → v2021-01-28

    The policy wording was reorganised with contact details and Vitality discount information added, while foundational sections on policy basics, benefits, cancellation and claims processes were removed or restructured. Members may need to locate claims and cancellation procedures in different sections of the updated document.

    exclusion changefee changepre existing changepharmac changemental health changewaiting period change +19468 chars · −18170 chars · 76 sections affected

12. 2026-05-18 · v2019-09-22 → v2019-09-22

    The policy document was substantially reorganised and expanded with new introductory sections covering product overview, contact details, coverage scope, and exclusions. Members will find clearer upfront information about what the policy covers, how to contact AIA, and their 15-day review period before the policy becomes active.

    exclusion changebenefit addedfee changepharmac changemental health changewaiting period changepre existing change +66415 chars · −6173 chars · 89 sections affected

13. 2026-05-18 · v2019-09-22 → v2019-09-22

    The policy document was substantially restructured, with major content removed and new sections added covering health enhancements, built-in benefits, and diagnostic coverage effective from May 2019. Members may experience changes to their covered benefits, diagnostic limits, and support services depending on which enhancements apply to their specific plan tier.

    benefit addedmental health changeexclusion changefee changepharmac changewaiting period changepre existing change +6213 chars · −65803 chars · 87 sections affected

14. 2026-05-18 · v2019-09-22 → v2019-09-22

    The policy document was substantially reorganised and expanded with new introductory sections covering welcome information, product definition, contact details, and policy overview content. Members will encounter more explanatory material at the start of their policy documents and clearer guidance on contacting Sovereign and understanding their coverage.

    exclusion changebenefit addedfee changepharmac changemental health changewaiting period changepre existing change +66108 chars · −11373 chars · 86 sections affected

15. 2026-05-18 · v2019-09-22 → v2019-09-22

    The policy restructured the Waiver of Premium section by consolidating multiple detailed conditions into a single consolidated section with revised wording. Members will experience clearer presentation of when premium waiver benefits stop, though the underlying eligibility conditions remain substantially similar.

    fee changebenefit addedexclusion changewaiting period change +2842 chars · −1645 chars · 19 sections affected

16. 2026-05-18 · v2026-05-16 → v2019-09-22

    The policy document was substantially restructured with new sections added explaining the Waiver of Premium Benefit, including definitions, claim procedures, and eligibility requirements. Members can now find detailed information about when premium payments are waived if they become totally disabled, how to claim this benefit, and what conditions must be met to maintain it.

    fee changeexclusion changewaiting period changebenefit addedpharmac changemental health changepre existing change +9897 chars · −66117 chars · 90 sections affected

All ingested wording versions