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Pre-existing Illness means disabilities which existed prior to the Issue Date, Alteration Effective Date or Reinstatement Date of this Policy whichever is the latest and that the Life Assured has reasonably knowledge of. A Life Assured may be considered to have reasonably knowledge of a pre-existing condition where the condition is one for which:

1. the Life Assured had received or is receiving treatment;

2. medical advice, diagnosis, care or treatment has been recommended;

3. clear and distinct symptoms are or were evident; or

4. its existence would have been apparent to a reasonable person in the circumstances

Yes, there are circumstances when a claim will be denied. For example, if the individual was diagnosed with specified illnesses such as hypertension during the Waiting Period (the first 120 days after the policy takes effect), the Hospitalisation Daily Income Benefit claim would not be admissible. For a detailed list of exclusions, please refer to the Product Disclosure Sheet and Policy Wordings.

Hospital Shield Plus covers as shown in the table below:  

At the end of the 10th policy year, this plan will automatically be renewed for another 10 years term without underwriting. This plan could be renewed up to 2 times, subject to the last renewal age of 65 years old. The renewal premium is determined based on the attained age of the Life Assured at the prevailing rates on the date of renewal. The premium rates will increase as you get older. The prevailing rates will be determined by the Company from time to time. You are required to notify Hong Leong Assurance Berhad at least 30 days prior to the expiry of this plan if you do not want to renew the plan for another 10 years.

Yes, you may surrender this plan at any time. This policy may not have a guaranteed minimum cash value on termination until after you have paid premium for number of years which varies according to the age of life assured.

The premium is non-guaranteed but level throughout the policy term. If you choose to renew the policy, the Basic Sum Assured will remain the same; however, the renewal premium will be based on your attained age of the Life Assured at the prevailing rates on the date of renewal. The premium rates will increase as you get older. The prevailing rates will be determined by the Company from time to time.

Yes, you are permitted to change the frequency of your premium payments.