As the MediShield Life benefits are capped for B2 or C ward hospitalization in public hospitals, Integrated Shield plans provide coverage for the hospitalization in private hospitals, or ward A or B1 in public hospitals. Integrated Shield insurance plans cover large hospitalization bills for Private hospitals or, ward A or B1. However, insured is still required to pay a portion of the bill amount. This is in accordance with Singapore's healthcare philosophy which promotes personal responsibility with getting individuals to share the cost of healthcare. With this philosophy, deductible, co-insurance and proration are applied on most of the Health Insurance plans in Singapore. Such health insurance plans provide an option to purchase a health insurance rider to cover these charges.