Singaporeans have one of the longest life span at birth on the planet. During this long life, coming across unsure situations needing hospitalization are inescapable. Medical insurance or medical insurance cover high healthcare expenses during hospitalization. Medi, Shield Life, is a universal medical insurance covering all Singapore People and Permanent Homeowners. Medi, Shield Life covers hospitalization expenses for a stay in ward B2 or C in a Public health center. For the hospitalization in a Personal health center, or in ward A or B1 in Public health center, Medi, Guard Life coverage is pegged to B2 or C ward costs and guaranteed is needed to pay the staying costs quantity.Medi, Guard Life does not cover abroad medical expenses and the treatment of severe pre-existing diseases for which one has been receiving treatment during the 12 months prior to the start of the Medi, Shield Life coverage. Medi, Shield Life likewise does not cover treatment of hereditary abnormalities (medical conditions that are present at birth), plastic surgery, pregnancy-related charges and mental disorder. As the Medi, Guard Life advantages are topped for B2 or C ward hospitalization in public health centers, Integrated Guard plans supply coverage for the hospitalization in private health centers, or ward A or B1 in public hospitals. Integrated Shield insurance prepares cover big hospitalization expenses for Personal healthcare facilities or, ward A or B1.