Hospital%20Shield%20Plus

Hospital Shield Plus is a non-participating plan that provides a fixed daily hospitalisation income when Life Assured is hospitalised. This plan does not include, where applicable, any savings or investment elements.

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.