Singaporeans have one of the longest life span at birth in the world. During this long life, coming across unsure circumstances needing hospitalization are inescapable. Medical insurance or medical insurance cover high health care costs during hospitalization. Medi, Guard Life, is a universal health insurance coverage covering all Singapore People and Permanent Citizens. Medi, Guard Life covers hospitalization expenses for a remain in ward B2 or C in a Public healthcare facility. For the hospitalization in a Private healthcare facility, or in ward A or B1 in Public health center, Medi, Shield Life protection is pegged to B2 or C ward prices and guaranteed is required to pay the remaining bill quantity.Medi, Shield Life does not cover overseas medical expenses and the treatment of severe pre-existing illnesses for which one has been receiving treatment during the 12 months prior to the start of the Medi, Guard Life protection. Medi, Guard Life also does not cover treatment of genetic abnormalities (medical conditions that exist at birth), cosmetic surgery, pregnancy-related charges and mental disorder. As the Medi, Shield Life benefits are capped for B2 or C ward hospitalization in public hospitals, Integrated Guard plans supply protection for the hospitalization in private healthcare facilities, or ward A or B1 in public health centers. Integrated Guard insurance coverage plans cover big hospitalization costs for Private healthcare facilities or, ward A or B1.