Singaporeans have one of the longest life span at birth worldwide. Throughout this long life, coming across unsure situations requiring hospitalization are inescapable. Medical insurance or medical insurance cover high health care expenses throughout hospitalization. Medi, Guard Life, is a universal health insurance coverage covering all Singapore People and Permanent Locals. Medi, Shield Life covers hospitalization costs for a remain in ward B2 or C in a Public hospital. For the hospitalization in a Private healthcare facility, or in ward A or B1 in Public healthcare facility, Medi, Guard Life coverage is pegged to B2 or C ward prices and insured is required to pay the staying costs amount.Medi, Guard Life does not cover abroad medical expenditures and the treatment of major pre-existing illnesses for which one has been receiving treatment throughout the 12 months prior to the start of the Medi, Shield Life protection. Medi, Shield Life also does not cover treatment of congenital anomalies (medical conditions that exist at birth), cosmetic surgical treatment, pregnancy-related charges and mental disorder. As the Medi, Shield Life advantages are topped for B2 or C ward hospitalization in public hospitals, Integrated Shield plans supply protection for the hospitalization in personal healthcare facilities, or ward A or B1 in public hospitals. Integrated Guard insurance coverage plans cover large hospitalization bills for Personal medical facilities or, ward A or B1.