Singaporeans have one of the longest life span at birth in the world. During this long life, coming across unpredictable scenarios requiring hospitalization are inescapable. Health insurance or medical insurance coverage cover high health care expenses throughout hospitalization. Medi, Guard Life, is a universal health insurance covering all Singapore People and Permanent Citizens. Medi, Shield Life covers hospitalization costs for a remain in ward B2 or C in a Public hospital. For the hospitalization in a Private hospital, or in ward A or B1 in Public medical facility, Medi, Guard Life protection is pegged to B2 or C ward costs and guaranteed is needed to pay the remaining bill amount.Medi, Shield Life does not cover abroad medical costs and the treatment of major pre-existing health problems for which one has been receiving treatment throughout the 12 months before the start of the Medi, Shield Life protection. Medi, Guard Life also does not cover treatment of congenital anomalies (medical conditions that exist at birth), plastic surgery, pregnancy-related charges and mental disorder. As the Medi, Shield Life benefits are topped for B2 or C ward hospitalization in public health centers, Integrated Guard plans supply coverage for the hospitalization in private medical facilities, or ward A or B1 in public medical facilities. Integrated Guard insurance prepares cover large hospitalization expenses for Private health centers or, ward A or B1.