Singaporeans have among the longest life span at birth in the world. Throughout this long life, coming across unsure situations requiring hospitalization are inevitable. Health insurance or medical insurance coverage cover high healthcare costs during 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 hospital. For the hospitalization in a Private health center, or in ward A or B1 in Public healthcare facility, Medi, Shield Life protection is pegged to B2 or C ward prices and insured is needed to pay the staying bill amount.Medi, Guard Life does not cover overseas medical expenditures and the treatment of severe pre-existing illnesses for which one has actually been getting treatment throughout the 12 months before the start of the Medi, Shield Life protection. Medi, Guard Life also does not cover treatment of genetic anomalies (medical conditions that exist at birth), cosmetic surgical treatment, pregnancy-related charges and mental disorder. As the Medi, Guard Life advantages are capped for B2 or C ward hospitalization in public health centers, Integrated Shield prepares supply protection for the hospitalization in private healthcare facilities, or ward A or B1 in public hospitals. Integrated Shield insurance coverage plans cover large hospitalization costs for Private medical facilities or, ward A or B1.