AIA Real Health — wording change history

What changed

1. 2026-05-18 · v2023-01-30 → v2024-03-10

   The policy added six new benefit sections covering hospital medical care, travel accommodation, parent accommodation, congenital conditions, and surgical allowances for breast reduction and bariatric procedures. Members now have access to additional covered benefits including non-surgical hospital treatment, accommodation costs for treatment-related travel, and specific allowances for certain surgical procedures that were not previously listed.

   benefit addedexclusion changepharmac changefee changemental health change +6211 chars · −1478 chars · 30 sections affected

2. 2026-05-18 · v2022-01-29 → v2023-01-30

   An "IMPORTANT" section was added and the policy document structure was reorganized, with minor clarifications made to existing benefit terms and exclusions. Members will see a new prominent notice section at the start of their policy documents alongside restructured benefit information.

   exclusion changepharmac changemental health change +540 chars · −1906 chars · 7 sections affected

3. 2026-05-18 · v2019-09-22 → v2022-01-29

   The policy added a new optional loyalty benefits section for specialists and tests, removed an "Important" section, and made minor punctuation corrections throughout the document. Members can now access additional loyalty benefits for specialist visits and tests if they choose to add this optional feature to their cover.

   benefit addedexclusion changepharmac changemental health change +2099 chars · −538 chars · 15 sections affected

4. 2026-05-18 · v2018-01-21 → v2019-09-22

   The policy document was substantially expanded with new introductory sections covering welcome information, policy purpose, free look period, truthfulness responsibilities, prior approval requirements, and defined terms. Members will receive more detailed upfront information about their policy terms, conditions, and administrative processes before coverage begins.

   exclusion changebenefit addedfee changepharmac changemental health change +49486 chars · −488 chars · 120 sections affected

5. 2026-05-18 · v2017-08-30 → v2018-01-21

   The policy wording was restructured with sections removed in English and new sections added in Chinese, resulting in a net reduction of content. Members may find policy information presented differently, with Chinese language sections now included alongside or replacing some English explanations.

   pharmac changefee changeexclusion change +480 chars · −9800 chars · 58 sections affected

6. 2026-05-18 · v2017-04-06 → v2017-08-30

   The policy wording was reformatted, removing a section on Australian cover and changing bullet point styles from dashes to asterisks while removing some divider lines. Members in Australia will no longer see coverage details for that jurisdiction, and the policy document layout has been standardized.

   pharmac changefee changeexclusion change +437 chars · −690 chars · 20 sections affected

7. 2026-05-18 · v2017-04-06 → v2017-04-06

   The policy document was reformatted with added section headers and bold text emphasis on key terms, while a case study example was replaced with a shorter explanatory section. Members will find key benefit names and features more visually distinct, though the actual coverage terms and amounts remain unchanged.

   pharmac changefee change +840 chars · −756 chars · 13 sections affected

8. 2026-05-18 · v2017-04-06 → v2017-04-06

   The policy document was restructured with new introductory sections explaining the product and its benefits, while maintaining the same version date. Members will encounter clearer upfront explanations of what the policy covers and why, before detailed terms and conditions.

   benefit addedpharmac changefee changeexclusion change +9969 chars · −5519 chars · 72 sections affected

9. 2026-05-18 · v2016-01-21 → v2017-04-06

   The policy document was restructured with new sections added for claim submission guidance and personal details collection, while overall content decreased by approximately 3,900 characters net. Members will need to complete additional personal information fields and review prior approval requirements when submitting claims under the new format.

   pharmac changefee changeexclusion change +5519 chars · −9445 chars · 68 sections affected

All ingested wording versions