Someone asked me for help. She bought a private Shield plan a few years ago. She was recently hospitalised and spent more than $10,000 for an operation. The claim was rejected due to some "exclusion" which was not clear to her or to a lay person. This is the danger of private Shield. The consumer thought that she would be covered for A class ward. She spent a lot more in premium to get the peace of mind, and ended up in a nightmare! A few consumers had asked for my help in similar situations. This is why I advised consumers to avoid private Shield. Read this FAQ. Even if the insurance company rejects the claim under private Shield, they have the duty to make a claim under the Medishield portion, which should be covered. Read the FAQ on "rejected" in www.tankinlian.com/ask.aspx. You will find other people ......