Singaporeans have among the longest life span at birth worldwide. During this long life, encountering unsure situations requiring hospitalization are inevitable. Health insurance or medical insurance cover high healthcare expenses throughout hospitalization. Medi, Guard Life, is a universal health insurance coverage covering all Singapore People and Permanent Residents. Medi, Guard Life covers hospitalization costs for a remain 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 hospital, Medi, Guard Life coverage is pegged to B2 or C ward rates and guaranteed is needed to pay the staying expense amount.Medi, Guard Life does not cover overseas medical expenses and the treatment of severe pre-existing illnesses for which one has been getting treatment throughout the 12 months before the start of the Medi, Guard Life coverage. Medi, Guard Life also does not cover treatment of hereditary anomalies (medical conditions that are present at birth), cosmetic surgery, pregnancy-related charges and mental disorder. As the Medi, Shield Life benefits are topped for B2 or C ward hospitalization in public medical facilities, Integrated Guard plans supply coverage for the hospitalization in private hospitals, or ward A or B1 in public healthcare facilities. Integrated Guard insurance coverage plans cover big hospitalization expenses for Personal medical facilities or, ward A or B1.