Singaporeans have among the longest life span at birth worldwide. During this long life, coming across unsure circumstances needing hospitalization are unavoidable. Health insurance coverage or medical insurance coverage cover high healthcare costs throughout hospitalization. Medi, Shield Life, is a universal health insurance covering all Singapore People and Permanent Citizens. Medi, Guard Life covers hospitalization costs for a remain 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, Shield Life protection is pegged to B2 or C ward prices and insured is needed to pay the remaining expense amount.Medi, Shield Life does not cover overseas medical expenditures and the treatment of serious pre-existing health problems for which one has been receiving treatment during the 12 months before the start of the Medi, Shield Life protection. Medi, Shield Life likewise does not cover treatment of congenital abnormalities (medical conditions that exist at birth), plastic surgery, pregnancy-related charges and mental disorder. As the Medi, Guard Life advantages are capped for B2 or C ward hospitalization in public medical facilities, Integrated Shield plans provide coverage for the hospitalization in private health centers, or ward A or B1 in public healthcare facilities. Integrated Guard insurance coverage prepares cover large hospitalization bills for Personal hospitals or, ward A or B1.