Singaporeans have one of the longest life span at birth on the planet. Throughout this long life, coming across uncertain situations requiring hospitalization are unavoidable. Health insurance or medical insurance coverage cover high healthcare expenses throughout hospitalization. Medi, Guard Life, is a universal medical insurance covering all Singapore People and Permanent Locals. Medi, Guard Life covers hospitalization expenses for a stay in ward B2 or C in a Public medical facility. For the hospitalization in a Personal hospital, 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 needed to pay the staying costs quantity.Medi, Guard Life does not cover overseas medical expenses and the treatment of serious pre-existing illnesses for which one has actually been receiving treatment during the 12 months prior to the start of the Medi, Shield Life protection. Medi, Guard Life also does not cover treatment of genetic anomalies (medical conditions that exist at birth), cosmetic surgery, pregnancy-related charges and mental illness. As the Medi, Shield Life benefits are topped for B2 or C ward hospitalization in public healthcare facilities, Integrated Shield prepares offer coverage for the hospitalization in private medical facilities, or ward A or B1 in public health centers. Integrated Shield insurance coverage prepares cover large hospitalization bills for Personal health centers or, ward A or B1.