Many thanks to reader Ruby for suggesting this topic. I think about my hospitalization plan (H&S) very simply. Previously, without Medishield Life, it was only Medishield. And the suggestion previously was just get any Shield plan by any private insurer. Cos the old Medishield coverage just wasn't sufficient. The coverage by private insurers at that time were about the same, but the premium prices were quite different. But they weren't particularly exorbitant. So any private Shield plan would be better than the old Medishield. The options used to be something like... 1) Only Medishield - Insufficient coverage 2) Private shield public hospitals - Good enough coverage 3) Private hospitals - For those who want to enjoy their stay The decision previously was always either option 2 or option 3. I will comment about deductibles and co-insurance later. Now, with Medishield Life, the decision is somewhat simpler... Medishield Life now has pretty much taken over Option 2... So the decision come down to... 1) Medishield Life ......