Hi is there a 90 days waiting period for shield or hospitalisation plan before i can claim for hospital bill?

I know CI plans have such rule. Better go check with your agent for confirmation since different companies do have slightly different sets of regulations.

Generally for an integrated shield plan, the insurer doesn't impose a 90 days waiting period for most conditions. However, waiting period does apply for certain conditions, e.g. pregnancy complications. With this in mind, I would encourage you to check the product summary for more details, or to speak to your insurance agent to learn more.