Singaporeans have among the longest life span at birth on the planet. During this long life, coming across uncertain scenarios requiring hospitalization are inevitable. Medical insurance or medical insurance coverage cover high healthcare expenses during hospitalization. Medi, Shield Life, is a universal medical insurance covering all Singapore People and Permanent Homeowners. 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 health center, or in ward A or B1 in Public medical facility, Medi, Guard Life coverage is pegged to B2 or C ward prices and insured is required to pay the remaining bill amount.Medi, Shield Life does not cover abroad medical expenditures and the treatment of severe pre-existing diseases for which one has been getting treatment during the 12 months prior to the start of the Medi, Shield Life protection. Medi, Guard Life also does not cover treatment of hereditary anomalies (medical conditions that exist at birth), plastic surgery, pregnancy-related charges and psychological illness. As the Medi, Shield Life benefits are topped for B2 or C ward hospitalization in public health centers, Integrated Guard plans provide protection for the hospitalization in personal medical facilities, or ward A or B1 in public healthcare facilities. Integrated Shield insurance plans cover big hospitalization costs for Personal medical facilities or, ward A or B1.