Eligibility for an Eldershield claim

Disability shall mean the inability of the Policyholder to perform at least 3 of the following Activities of Daily Living, even with the aid of special equipment, and always to require the physical assistance of another person throughout the entire activity.

Washing : The ability to wash in the bath or shower (including getting into and out of the bath or shower) or wash by other means.

Dressing : The ability to put on, take off, secure and unfasten all garments and, as appropriate, any braces, artificial limbs or other surgical or medical appliances.

Feeding : The ability to feed oneself food after it has been prepared and made available.

Toileting : The ability to use the lavatory or manage bowel and bladder function through the use of protective undergarments or surgical appliances if appropriate.

Mobility : The ability to move indoors from room to room on level surfaces.

Transferring : The ability to move from a bed to an upright chair or wheelchair, and vice versa.

Definition of Pre-existing Disability

Pre-existing Disability are excluded, i.e. suffering from the Disability as defined above before your ElderShield Policy's commencement date. For persons who are auto-covered, disability caused solely by accidents that occur during the 90-day opt-out period shall not be regarded as Pre-existing Disability.