Singaporeans have one of the longest life span at birth worldwide. During this long life, encountering unpredictable scenarios requiring hospitalization are inescapable. Health insurance or medical insurance cover high health care expenses during hospitalization. Medi, Shield Life, is a universal health insurance covering all Singapore People and Permanent Homeowners. Medi, Guard Life covers hospitalization costs for a remain in ward B2 or C in a Public hospital. For the hospitalization in a Personal hospital, or in ward A or B1 in Public hospital, Medi, Shield Life coverage is pegged to B2 or C ward costs and insured is required to pay the remaining bill quantity.Medi, Shield Life does not cover overseas medical expenses and the treatment of major pre-existing illnesses for which one has been receiving treatment during the 12 months prior to the start of the Medi, Shield Life protection. Medi, Shield Life also does not cover treatment of genetic abnormalities (medical conditions that exist at birth), plastic surgery, pregnancy-related charges and psychological health problem. As the Medi, Guard Life advantages are topped for B2 or C ward hospitalization in public health centers, Integrated Shield prepares supply coverage for the hospitalization in personal health centers, or ward A or B1 in public hospitals. Integrated Guard insurance coverage prepares cover large hospitalization bills for Personal healthcare facilities or, ward A or B1.