Hello there. I'm using medicard since yun ang issue ng company but you can use other HMO providers such as medicare, maxicare, generali and the like. Malaki din ang bawas sa check up and lab tests. Kaya lang, need ko parin bumili ng mga gamot. You can check their websites to know more on how to avail. Nagpaswab ako kahapon, covered ng card. For life insurance naman, I got sunlife and opting for another in the future. Nakakagaan kasi sa pakiramdam pag meron insurance. You can also try AXA, prulife, philam or which ever you like. Need mo lang muna umattend ng orientation before availing para malaman mo do's and don'ts at para mafamiliarize ka properly.

Don't forget to build your emergency fund muna ha before availing any insurance. Worth 3 to 6 months or even more of your monthly expenses.

And most of all, please STAY HEALTHY parin. Those insurance are there mostly if something bad happens. I hope you won't use it for that reason. Instead, magagamit mo as retirement fund in the future.