kung ako ang tatanungin tungkol sa insurance its more of a burden than a necessity kasi sure pag naaksidente o naospital ka kahit na papaano macocover ang expenses mo pero here's the thing thats only a 3rd of what you paid for the damn thing in the 1st place ikaw pa rin ang nagbayad ng pinangospital mo at the pretense na insurance yun garapal kasi health insurance dito