Singaporeans have among the longest life span at birth worldwide. During this long life, encountering unsure scenarios requiring hospitalization are inevitable. Health insurance or medical insurance coverage cover high healthcare expenses during hospitalization. Medi, Shield Life, is a universal health insurance coverage covering all Singapore Citizens and Permanent Homeowners. Medi, Shield Life covers hospitalization costs for a stay in ward B2 or C in a Public medical facility. For the hospitalization in a Personal healthcare facility, or in ward A or B1 in Public health center, Medi, Guard Life protection is pegged to B2 or C ward prices and insured is required to pay the remaining costs quantity.Medi, Shield Life does not cover overseas medical expenditures and the treatment of major pre-existing illnesses for which one has actually been receiving treatment during the 12 months prior to the start of the Medi, Guard Life coverage. Medi, Guard Life likewise does not cover treatment of congenital anomalies (medical conditions that exist at birth), plastic surgery, pregnancy-related charges and psychological disease. As the Medi, Guard Life benefits are capped for B2 or C ward hospitalization in public medical facilities, Integrated Shield prepares offer protection for the hospitalization in personal medical facilities, or ward A or B1 in public hospitals. Integrated Shield insurance coverage plans cover large hospitalization costs for Personal health centers or, ward A or B1.