Singaporeans have one of the longest life expectancy at birth on the planet. Throughout this long life, coming across uncertain scenarios requiring hospitalization are inescapable. Health insurance coverage or medical insurance cover high health care costs during hospitalization. Medi, Shield Life, is a universal medical insurance covering all Singapore Citizens and Permanent Locals. Medi, Guard Life covers hospitalization costs for a stay in ward B2 or C in a Public health center. For the hospitalization in a Private hospital, or in ward A or B1 in Public health center, Medi, Guard Life coverage is pegged to B2 or C ward rates and guaranteed is needed to pay the remaining expense amount.Medi, Shield Life does not cover overseas medical expenses and the treatment of serious pre-existing diseases for which one has been getting treatment during the 12 months before the start of the Medi, Shield Life coverage. Medi, Shield Life also does not cover treatment of genetic anomalies (medical conditions that exist at birth), plastic surgery, pregnancy-related charges and mental disease. As the Medi, Shield Life advantages are topped for B2 or C ward hospitalization in public healthcare facilities, Integrated Shield plans supply protection for the hospitalization in private healthcare facilities, or ward A or B1 in public hospitals. Integrated Guard insurance coverage prepares cover big hospitalization costs for Personal healthcare facilities or, ward A or B1.