Singaporeans have among the longest life expectancy at birth worldwide. Throughout this long life, encountering uncertain situations requiring hospitalization are inevitable. Health insurance coverage or medical insurance cover high healthcare expenses during hospitalization. Medi, Guard Life, is a universal medical insurance covering all Singapore Citizens and Permanent Citizens. Medi, Shield Life covers hospitalization expenses for a remain in ward B2 or C in a Public medical facility. For the hospitalization in a Private healthcare facility, or in ward A or B1 in Public hospital, Medi, Guard Life protection is pegged to B2 or C ward prices and guaranteed is required to pay the staying bill quantity.Medi, Guard Life does not cover overseas medical costs and the treatment of major pre-existing health problems for which one has actually been getting treatment throughout the 12 months prior to the start of the Medi, Guard Life protection. Medi, Guard Life also does not cover treatment of genetic anomalies (medical conditions that exist at birth), plastic 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 Shield prepares offer protection for the hospitalization in personal hospitals, or ward A or B1 in public health centers. Integrated Shield insurance prepares cover big hospitalization costs for Private medical facilities or, ward A or B1.