Singaporeans have one of the longest life span at birth on the planet. Throughout this long life, encountering uncertain situations needing hospitalization are inescapable. Health insurance or medical insurance coverage cover high health care expenses throughout hospitalization. Medi, Shield Life, is a universal health insurance covering all Singapore Citizens and Permanent Residents. Medi, Shield Life covers hospitalization costs for a stay in ward B2 or C in a Public health center. For the hospitalization in a Personal health center, or in ward A or B1 in Public medical facility, Medi, Shield Life protection is pegged to B2 or C ward rates and guaranteed is needed to pay the remaining expense quantity.Medi, Guard Life does not cover abroad medical expenses and the treatment of serious pre-existing health problems for which one has been getting treatment during the 12 months prior to the start of the Medi, Guard Life protection. Medi, Shield Life also does not cover treatment of genetic anomalies (medical conditions that exist at birth), plastic surgery, pregnancy-related charges and psychological illness. As the Medi, Guard Life advantages are capped for B2 or C ward hospitalization in public hospitals, Integrated Guard plans supply coverage for the hospitalization in private hospitals, or ward A or B1 in public medical facilities. Integrated Shield insurance coverage plans cover large hospitalization bills for Private hospitals or, ward A or B1.