Singaporeans have one of the longest life span at birth worldwide. Throughout this long life, experiencing unpredictable circumstances requiring hospitalization are inevitable. Medical insurance or medical insurance coverage cover high health care costs during hospitalization. Medi, Guard Life, is a universal health insurance covering all Singapore People and Permanent Homeowners. Medi, Shield Life covers hospitalization expenses for a stay in ward B2 or C in a Public hospital. For the hospitalization in a Private medical facility, or in ward A or B1 in Public health center, Medi, Shield Life coverage is pegged to B2 or C ward costs and guaranteed is required 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 receiving treatment during the 12 months before the start of the Medi, Shield Life coverage. Medi, Shield Life also does not cover treatment of congenital abnormalities (medical conditions that are present at birth), cosmetic surgical treatment, pregnancy-related charges and mental health problem. As the Medi, Shield Life advantages are capped for B2 or C ward hospitalization in public health centers, Integrated Guard plans provide protection for the hospitalization in personal health centers, or ward A or B1 in public hospitals. Integrated Shield insurance plans cover large hospitalization costs for Personal health centers or, ward A or B1.