And with regards to your incapacitation before the age of 60 and whether can you still get the payout from Eldershield would greatly depends on the level of incapacitation (as confirmed by a medical specialist) and if it still fulfils the inability to perfom 3 out of 6 daily activities (subjected to the insurance company’s claim process).

You are right to say “it’s simply not able to perform 3 of the 6 activities, then one get the payout, regardless of age when the conditions met (as long as covered after age 40)” – to be able to start claiming from Eldershield. But still need to highlight that for any valid claims, there’s a need to be verified by a medical specialist and fulfilled the claim process/requirements of the insurance company.

Hope my replies help to clarify. If not, please do feel free to comment further.

From this statement “If I do not die, be permanently incapacitated before the age of 60 or unable to commit to at least 3 out of the daily 6 activities, the total premiums paid by me are down the drain”, does it mean if one is incapacitated before age 60, one does not get the payout from Eldershield? I searched through Eldershield T&Cs but couldn’t locate such a condition. I thought it’s simply not able to perform 3 of the 6 activities, then one get the payout, regardless of age when the conditions met (as long as covered after age 40).

Pls advice.

Thanks.