Singaporeans have one of the longest life span at birth on the planet. During this long life, encountering uncertain circumstances needing hospitalization are unavoidable. Medical insurance or medical insurance coverage cover high health care costs during hospitalization. Medi, Shield Life, is a universal medical insurance covering all Singapore People and Permanent Citizens. Medi, Guard Life covers hospitalization expenses for a stay in ward B2 or C in a Public healthcare facility. For the hospitalization in a Private medical facility, or in ward A or B1 in Public hospital, Medi, Guard Life coverage is pegged to B2 or C ward prices and insured is needed to pay the staying bill amount.Medi, Shield Life does not cover overseas medical costs and the treatment of severe pre-existing health problems for which one has actually been getting treatment throughout the 12 months before the start of the Medi, Guard Life coverage. Medi, Shield Life also does not cover treatment of hereditary 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 health centers, Integrated Shield prepares supply coverage for the hospitalization in personal health centers, or ward A or B1 in public medical facilities. Integrated Shield insurance plans cover big hospitalization bills for Personal hospitals or, ward A or B1.