The days are numbered for PRs and non-citizens to enjoy subsidy at the government hospital. Because of the this, it has an impact on hospitalization insurance policies which assumed a certain level of subsidy from the ward which the patient stays. For example, Aviva Myshield Plan 3 is for those staying B1 ward and below. But because of the reduction of subsidy for non Sinagporeans, with effect from 1 September 2007 applications, only Singapore citizens are permitted to buy Aviva Myshield Plan 3. I had always advice non Singaporeans clients to sign up for policies that do not assume any subsidy from Singapore. I am glad they took my advice.