Singaporeans have among the longest life span at birth on the planet. During this long life, experiencing unpredictable circumstances needing hospitalization are inescapable. Medical insurance or medical insurance coverage cover high health care costs during hospitalization. Medi, Guard Life, is a universal health insurance covering all Singapore Citizens and Permanent Locals. Medi, Shield Life covers hospitalization costs for a remain in ward B2 or C in a Public health center. For the hospitalization in a Personal hospital, or in ward A or B1 in Public hospital, Medi, Shield Life protection is pegged to B2 or C ward rates and guaranteed is needed to pay the staying bill quantity.Medi, Guard Life does not cover overseas medical costs and the treatment of major pre-existing diseases for which one has actually been getting treatment during the 12 months prior to the start of the Medi, Shield Life protection. Medi, Guard Life also does not cover treatment of congenital abnormalities (medical conditions that are present at birth), plastic surgery, pregnancy-related charges and mental disorder. As the Medi, Guard Life benefits are capped for B2 or C ward hospitalization in public hospitals, Integrated Guard prepares provide coverage for the hospitalization in personal hospitals, or ward A or B1 in public hospitals. Integrated Guard insurance plans cover big hospitalization costs for Personal healthcare facilities or, ward A or B1.