Patty was admitted to hospital with breathing problems. Singapore’s heavy air pollution can irritate a person’s lungs and make them more susceptible to infection. Patty’s wife, Diana, took him to hospital and he was diagnosed with pneumonia. Patty needed treatment urgently, but the hospital demanded payment before care would be provided. Diana paid the required amount on her credit card and then called her travel insurance provider. They arranged to pay the remainder of the medical costs and reimbursed her for the upfront expense.