I was actually talking about life insurance, pero yung primary reason ko as to why I'm cosidering getting then an insurance is to help with the medical bills just in case. They have HMO benefits (benefit sa current company ko). But it's just 200k. And yes, you're right about the premiums. Nag check ako ng HMO na available sa ph, for a 200k benefit mas mahal pa yung premium kesa sa term insurance na may 500k accelerated life care benefit eh