Singaporeans have among the longest life expectancy at birth worldwide. During this long life, experiencing unsure situations needing hospitalization are inevitable. Health insurance or medical insurance cover high health care costs throughout 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 healthcare facility. For the hospitalization in a Personal medical facility, or in ward A or B1 in Public healthcare facility, Medi, Guard Life coverage is pegged to B2 or C ward prices and guaranteed is required to pay the remaining bill amount.Medi, Shield Life does not cover overseas medical expenditures and the treatment of severe pre-existing diseases for which one has been receiving treatment throughout the 12 months before the start of the Medi, Shield Life coverage. Medi, Shield Life likewise does not cover treatment of congenital anomalies (medical conditions that are present at birth), cosmetic surgical treatment, pregnancy-related charges and psychological disease. As the Medi, Guard Life benefits are topped for B2 or C ward hospitalization in public health centers, Integrated Shield plans offer coverage for the hospitalization in private medical facilities, or ward A or B1 in public medical facilities. Integrated Guard insurance plans cover big hospitalization expenses for Personal health centers or, ward A or B1.