Singaporeans have one of the longest life span at birth worldwide. Throughout this long life, experiencing uncertain scenarios needing hospitalization are inescapable. Medical insurance or medical insurance coverage cover high health care expenses during hospitalization. Medi, Guard Life, is a universal health insurance covering all Singapore Citizens and Permanent Residents. Medi, Shield Life covers hospitalization costs for a remain in ward B2 or C in a Public hospital. For the hospitalization in a Personal hospital, or in ward A or B1 in Public health center, Medi, Shield Life coverage is pegged to B2 or C ward prices and insured is needed to pay the remaining expense quantity.Medi, Shield Life does not cover abroad medical expenditures and the treatment of serious pre-existing diseases for which one has actually been getting treatment throughout the 12 months prior to the start of the Medi, Guard Life coverage. Medi, Guard Life also does not cover treatment of genetic abnormalities (medical conditions that are present at birth), plastic surgery, pregnancy-related charges and mental disorder. As the Medi, Shield Life advantages are topped for B2 or C ward hospitalization in public medical facilities, Integrated Shield prepares offer protection for the hospitalization in personal health centers, or ward A or B1 in public healthcare facilities. Integrated Shield insurance prepares cover large hospitalization expenses for Personal medical facilities or, ward A or B1.