Singaporeans have among the longest life expectancy at birth in the world. During this long life, encountering unsure scenarios requiring hospitalization are unavoidable. Health insurance or medical insurance coverage cover high health care expenses during hospitalization. Medi, Guard Life, is a universal health insurance coverage covering all Singapore People and Permanent Locals. Medi, Guard Life covers hospitalization costs for a remain in ward B2 or C in a Public health center. For the hospitalization in a Personal healthcare facility, or in ward A or B1 in Public medical facility, Medi, Guard Life coverage is pegged to B2 or C ward rates and insured is required to pay the staying bill amount.Medi, Guard Life does not cover abroad medical costs and the treatment of serious pre-existing diseases for which one has been receiving treatment throughout the 12 months prior to the start of the Medi, Guard Life protection. Medi, Guard Life also does not cover treatment of hereditary abnormalities (medical conditions that exist at birth), cosmetic surgery, pregnancy-related charges and psychological health problem. As the Medi, Guard Life benefits are capped for B2 or C ward hospitalization in public healthcare facilities, Integrated Shield plans supply protection for the hospitalization in personal medical facilities, or ward A or B1 in public health centers. Integrated Shield insurance coverage plans cover large hospitalization bills for Personal hospitals or, ward A or B1.