In the Philippines, these three are the most recommended health insurance: PhilHealth is health insurance supported by the Philippine government. Unlike others, Kaiser is an HMO company that has geared products with a long-term duration of health and medical needs of people especially whose already out the job and retired. Regulating government agency: Insurance Commission: Department of Health: Insurance … Next year, the company will celebrate its 125th year in the country. According to Healthcare Asia, approximately $1.3 billion (PHP67.4 billion) went to the Philippine Health Insurance Corporation, $1.1 … Previously, HMOs are regulated by the Department of Health (DOH) until the IC took over in regulating them. ), Inc. United Coconut Planters Life Assurance Corporation. READ: Sun Maxilink 100 | New and Affordable VUL Plan from Sun Life. Any insurance … Even self-employed or unemployed ex-pats can enroll in PhilHealth as long as they have legal residency status. 13. You may check out the link below. … Thanks . I would like to extend my help in securing your financial future. But do you currently have a life insurance plan? In addition, the company showed double-digit growth of almost 17% in this category.So here are the top 10 life insurance companies in the Philippines 2020: Also, you may refer to the table below for a more comprehensive look at the performance of each life insurance company for the year 2019. A health insurance marketplace is where you, your family, or your business can meet diverse health insurance plans. We were pressured sell by the advisor, we did not fully understand the proposal. It is the 9th consecutive time that Sun Life managed to top the premium income category both in traditional (whole Life, term, and endowment) and variable plans. Is Philippine American Life & General Insurance Corporation same with BPI-Philam Life? But among the seven categories, only one of them is widely used. It is the leading HMO in the Philippines that was managed by doctors to “provide comprehensive healthcare protection to individuals of Metro Manila as well as in key provincial areas. They have been accredited by Joint Commission International Accreditation (JCIA) because of obtaining the highest standard of quality for healthcare organizations internationally. ... Best Health Insurance Companies for Americans in the Philippines. Hi Dior. FWD is an insurance business of the Pacific Century Group that was established since 2013 in Asia. In addition, they may also refuse to cover fees for certain services that you got without authorization, and they may also reject the payment for branded drugs, especially if there is a comparable medication or generic version of it in the market, and at a lower cost at that. They only provide medical care that can be accompanied by doctors or hospitals under their contract. Having accessible health insurance to cover your and your family’s medical expenses are truly beneficial, especially during emergency situations. ₱10,000 to ₱60,000 for premiums (monthly payment may increase depending on one’s age). Evaluate the doctor according to your observations. Expatriates can get health insurance whether they are employed or self-employed. Why Is Health Insurance Needed in the Philippines? Previously, the company ranks 9th but this year it declined to 10th place. If your health insurance is arranged and managed by a private agency or an insurance company, it is called Private or Voluntary Health Insurance. It is an advantage if you choose the health insurance that offers both inpatient and outpatient care. Health Insurance: Service provider: HMO companies (Maxicare, Intellicare, MediCard, etc.) If you’re looking for a good physician, evaluate his expertise, experience, and skills first. I am just recently interested in investment insurance and sign a package. As time goes by, medical treatments inflate, but if you cannot currently avail for higher coverage of insurance plan, it’s definitely fine since you can start with a low amount then continuously increase it through the following years. This health insurance can provide enough sum of assistance that you won’t even need to pay any cash for an inpatient or outpatient service such as admission and room expense, laboratory expense, and doctor fees.eval(ez_write_tag([[300,250],'ofwmoney_org-large-mobile-banner-2','ezslot_7',155,'0','0'])); Many private companies offer a health insurance plan. That’s why as a client, you must really find someone that can add value to you through proper financial planning with your best interest above all. Insurers often offer prices wherein the total money that you paid for the plan will be equivalent to the claim that you’ll get. – also known as the National Health Insurance of the Philippines. It is always much better to have health insurance to lessen the expenses made by your health condition. Hi Jefferson. First is the insurer or the life insurance company. To sum up, Philam Life bagged the number 1 spot in the net worth category or the amount by which the assets exceed its liabilities. It managed to advance in the 4th place from 6th place last year. They have experts in various fields such as Medicine, Surgery, Gynecology, Pediatrics, Psychiatry, and many more. Thank you , Hi Federico, I would like to ask what is the best life plan insurance..esp. Learn your options I am now a married and Licensed Finacial Consultant of PRU LIFE. Take note that this is only for a certain individual, thus, if your family members are covered in your previous insurance plan, they might need to apply for their own now. I was shown the returns. It may be tedious but it would really help a lot of people decide where to go based on advisor quality, affordability, coverage, return, and the company service. The expensive health insurance has more benefits than the cheap one. READ: Sun Life | Death Claim Released in Less Than 2 Hours. They can provide service for around 60,000 inpatients and 2.7 million outpatients annually. I was the insured, then mom was the beneficiary. How does a Health Insurance Plan Works in the Philippines? I acually posted something related to this. This is important to measure because it is the total money coming in the company for the year and the more comes in means the company has a sustainable business. If you are thinking to get your one, you can talk to their financial advisor via online: Axa S.A or AXA is a French multinational insurance firm in the Paris since1816 (204 years ago). HMO is good and is best supplemented with an health insurance. It was previously known as Ayala Life Assurance Incorporated, founded in 1933. Hi Sir Federico. With this highly noticeable amount, maybe you are curious as to why a dozen lots of citizens aren’t inclined nor aware of health insurance and its loads of benefits. Managing health insurance can sometimes be complicated since many managed care plans such as POS and HMOs demand you to receive care and assistance from a certain healthcare provider to obtain the highest level of insurance coverage. It indicates the price and the benefits for the insured person. They make a profit out of your money. This is a huge disadvantage in your place since seeking care outside your insurance company’s network will make you pay a higher amount and you won’t get any benefits. On the other hand, Sun Life and Insular Life comes in 2nd and 3rd spots, respectively. Determine what kind of doctor you need. So I bought mine as well as for my wife! They are affiliated with international organizations that helped them have world-class medical services. Life insurance helps those left behind in dealing with the unexpected financial consequences due to loss of life. If the first doctor didn’t meet your expectations or you have doubts about his skills, you can get a second opinion from the other doctors among your top choices. Do the Philippines Have a Good Healthcare? If you are interested, go to their site (Healthcare.gov). The author has no responsibility against the comments posted by visitors. You can evaluate them based on your preferred age, gender, and their spoken language. MediCard Philippine Inc. was incorporated in 1986 and formally founded and 1987. Think wisely before getting a health insurance plan. -your advisor will either make your life easy or a nightmare. Visit Us IC Manila 1071 United Nations Ave., Ermita, Manila IC Cebu District Office Door 10-11 Ground Floor, HVG Arcade I.T. However, this shouldn’t be the sole basis for getting a plan, but you must also consider convenience, customer service, and of course, a reputable and trusted Financial Advisor. As an ex-pat, you should consider the geographic location of your workplace. Financial freedom is a process so you must start getting life insurance to have a strong financial footing. With rising costs of medicine and hospitalization, getting the appropriate health insurance … The medical insurance in the Philippines is quite cheap and affordable, you won’t have too much loss if you try to avail. It also has co-pays or co-payments, which is a standard for every insurance company. In early 2019, new legislation shaped the scope and future of PhilHealth. I’ve written a full-length post about that. READ MORE: Sun Maxilink Prime | 3 Easy Steps to Secure Your Future. There are life insurances that only last for a few decades, even if you paid a lot for it, if your term has ended and you’re still alive, you’ll get nothing out of it. On the other hand, if the health insurance you obtained is from the specific provisions sustained by your taxes or legal compulsory contributions, it is called a Government or Social Insurance. One more thing, I’d like to clarify why Sun Life is the top insurance company if Philam Life is #1 in numbers that matter? On the other hand, you can pay bigger than your selected premium this will help you add benefits to your PhilHealth package. Here are the top 10 life insurance companies in the Philippines. Finally,premiu… Once your account is created, you'll be logged-in to this account. The Philippines offer a universal healthcare coverage system also known as PhilHealth. They are commended for their best access to care, patient safety, and continuity of care to patients. So here are the top 10 life insurance companies in the Philippines 2020: Sun Life was officially founded in 1895, making it the first and the oldest life insurance company in the country. For 2018, a total of 25,706 stand-alone healthinsurance policies were issued by life insurance companies. Of course, you want your family to get the benefits by the time it happens to you, right? It is not just in the Philippines, but the entire life insurance industry in the world, and that’s “Premium Income.”, Premium Income is the revenue that an insurer receives as premiums paid by its customers for insurance products. Doctors have specific expertise so you’ll need to know first the possible treatment that you’ll need based on your symptoms. This site rocks the Pearsonified Skin for Thesis. You can also compare health insurance providers on our site for a quick … Sun Life is an insurance company. Health insurance provides free medical checkups. Don’t hesitate to invest money for your health insurance because it will surely serve its purpose in time.eval(ez_write_tag([[300,250],'ofwmoney_org-leader-3','ezslot_10',156,'0','0'])); Starting from the most affordable insurance, there is PhilHealth. A foreigner can always get health insurance in the Philippines as long as they work there or they have legal residency status. I started at 13 years old, quite young? And lastly is the beneficiary or the one who will receive the life insurance claim after the insurer passes away. It is the country’s top bancassurance, as a result, due to the strategic alliance between BPI and Philam Life. In the Philippines, private insurance is usually bought by self-employed or freelance workers, or companies that provide private options to their employees. Unlike the other health insurance … Insurances are expected to return the money that you paid them using your premium. The cheapest health insurance in the Philippines is PhilHealth and it is organized by the Philippine government. 7. On the other hand, it is the ability to fulfill the promises to its clients has made Sun Life as the preferred life insurance company in most households. If you are looking for income protection with a wealth accumulation plan, then a VUL plan is something you should consider. You can also weigh the differences between them to see which one is more convenient and which one is not. This insurance provides financial assistance to all citizens who need medical assistance. TMC has experts in Medicine, Surgery, Orthopedics, Obstetrics, Gynecology, Pediatrics, Ophthalmology, Otolaryngology, Anesthesiology, and Psychiatry. Even though they were non-guaranteed pala yun. When mom returns here in the Philippines, I’m going to show her a proposal because it is really a blessing when the proposal is related to the goals. Forcomparison, in 2017, a total of 17,406 health insurance policies were issued toindicate an increase of 47.68 percent from 2017 to 2018. So it will depend on you what are your financial goals and needs. Here’s my FB account. Expatriates can avail international medical insurance which may cost quite a lot but still considered affordable because foreign nationals earn just enough for it. Top 10 Life Insurance Companies in the Philippines. Philam Life has once again dominated this category having Php 290.2 billion assets. If the health insurance you obtained is from the specific provisions sustained by your taxes or legal compulsory contributions, it is called a Government or Social Insurance. Thanks , READ: 5 Simple Steps to Achieve Financial Freedom, Hi Sir Federico. I’m new to this topic and planning to get one while I’m still young. Sometimes, the employer covers the premium costs, but most of the time, it is recompensated through the employee’s paychecks. We also get your email address to automatically create an account for you in our website. The owner or the person who availed the life insurance. It is a mutual company, similarly, being held by its policyholders. Buying an insurance plan is part of personal finance; it’s personal. Thanks . gusto ko rin ng lifetime financial freedom… how po? Here are 10 things that you need to know about life insurance:eval(ez_write_tag([[300,250],'ofwmoney_org-narrow-sky-1','ezslot_14',170,'0','0'])); The Medical City (TMC) is located in Pasig City, Metro Manila. Health insurance has its own inclusions and exclusions. Sun Life is the number 1 insurance company in Premium Income which is used globally to measure leadership. There are lots of private health insurance in the Philippines and the cheapest one will probably cost around ₱40,000. It’s about your future after all. It’s very unfortunate that you experienced that before. You need to make sure that your health insurance provider offers medical evacuation if you work in a rural area. The service and medications are also quite affordable if you compare it to the price outside the country. That is an increase of 12% from the budget for 2019. Therefore, you can save up more for your intended future plans such as outings with the family, buying a home, educational expenses for your children, and your own retirement. Hi Sir Fed, in terms of savings and investment? TweetEmail TweetEmailGetting sick in the Philippines is very expensive especially if you don’t have money and health insurance. Aside from health insurance, qualified ill people can also get disability insurance, LTC insurance, and critical illness insurance to get a hold of supplementary medications in the market. Membership is voluntary whether employed or unemployed but if you’re an employee, half of your monthly contribution will be paid by the employer, and the other half is deducted from your salary. That is why understanding the idea of what and how does health insurance is really important as above stated which can save you from several expenses when it comes to financial assistance for services like laboratory tests and medication, surgery and especially it is an aid to for the costs of medical check-ups and treatment once you were out of cash. TweetEmail TweetEmailIn the Philippines, there are only few health insurance companies or health maintenance organizations (HMOs) operating with license from the Insurance Commission (IC). They can also offer the best services in Pathology, Radiology, Nuclear Medicine, Physical Medicine, Rehabilitation, Pain Management, Radiation Oncology, and Chemotherapy. -ask some questions relevant to you. It’s good to know that you are serious about getting insured. In a nutshell, net income is the total profit of a company after subtracting all the expenses in operating a business. This health insurance still has limitations, they cannot cover all of your medical expenses if your illness requires long-term or expensive treatments. Hi Federico. 2. The Philippine government allows expatriates to have PhilHealth insurance and like any other employee in the country, half of the premium is deducted from the employer, and the other half is deducted from the employee’s salary. As a result, it has sustained its position as the top life insurance company for the 9th consecutive time. What Is the Difference Between Life Insurance from Health Insurance? Having life insurance doesn’t mean you are ready to die, you are just preparing a compensation for those who’ll be left behind. Dela Costa, Makati City, Philippines, 15th Floor BPI-Philam Life Makati, Ayala Avenue, Makati City 1226, 19F W Fifth Avenue Building, 5th Avenue corner 32nd Street, Bonifacio Global City, Taguig City 1634, Ground Floor King’s Court I Building, 2129 Don Chino Roces Avenue Makati City, 0917 – 305 5152 0945 – 369 4180 0945 – 368 7305, #33 Meralco Ave. Brgy. You can apply for Medicare the moment you turn 65 and you can also avail of individual private health insurance. If you want to apply for one, you should talk to experts so that you won’t get a biased opinion. I want to improve my knowledge in SEO, Video editing and Photoshop. Comprehensive health insurance… But if the plan presented to you already answers your needs and financial requirements then I think you should go with it. St. Luke’s Medical Center has advanced technologies that can offer a comprehensive approach to diagnosis and treatment. Caritas Health Shield has revolutionized the concept of health care services in the country since its establishment in 1995 with our superior and iconic multi-year health plans. Inpatient services include hospitalizations and medicines that means if your condition doesn’t require you to be hospitalized, your expenses won’t be covered by the insurer. Evaluate each doctor according to your preference and narrow down those who seem to not meet your expectations. Make a better background checking to your top choices. | Privacy Policy. The policy owner pays the company and the company pays the life insurance claim receiver after the death of the owner. There are instances when your insurance company may turn down payments for your fees. It is much better if you get insurance as young as you can so you’ll get to save a big sum of amount to your insurance. There are inevitable instances when you might need to purchase private health insurance. Study the terms and policies of the insurance before getting one. Sad, the investment was at lost because of the charges, I have that VUL for more than 10 years already. So why is it important to be the number one (or to be included in the top 10) insurance company? ), Inc., The, Philippine Axa Life Insurance Corporation, Insular Life Assurance Company, Limited, The. UnitedHealthcare (UHC) has an “A” (excellent) financial … So you must choose an honest and trustworthy adviser. These managed care plans let you select your primary care physician who monitors you, renders recommendations about treatments, and refers you to other medical specialists designated to your health condition. 5 Easy Steps to Achieve Financial Freedom, Sun Life Remains the Top Life Insurance Company, Top 10 Life Insurance Companies in the Philippines. Firstly, an asset is anything expected to bring future benefits by generating cash flow, reducing expenses, increase sales, etc. Apparently, you can select a health insurance plan which covers your entire family with a single policy rather than getting separate ones. San Antonio Pasig City, 9/F Uptown Place Tower 1, 1 East 11th Drive, Uptown Bonifacio, 1634 Taguig City, Philippines, 8/F The World Ctr., 330 Sen. Gil J. Puyat Ave., Makati City. Some health insurance providers offer either inpatient or outpatient care only and sometimes both. 14. MediCard has divided their offered plans based on the primary customer needs for, “Myself,” “My Family,” “My Employees,” “Senior Citizens,” “Maternity and Pre-Existing Conditions” and OFWs with beneficiaries in the Philippines.”. Remember that life insurance is an aleatory contract or a contract of promise that when a specified event occurs like death, then the insurer will have to pay the promised amount. ... Pros and Cons of Using the Local Health Insurance System in the Philippines. It is founded in 1999 is a joint venture between Generali Pilipinas Holdings Company Inc. (GPHC) and BDO. Life insurance works around four persons. Many Filipinos are forced to borrow money from the bank, friends and relatives just to pay piling medical bills. Meanwhile, Coco Life has dropped from the to the 8th place coming from 5th last year. Philcare ER Vantage – this is for emergency coverage due to accident or critical illness. Pru Life Insurance Corp. of U.K. was founded in 1848 and has headquarters across the world, with … Outpatient services provide you laboratory tests and physical examinations. How do insurance companies make money? Disclaimer: Maria Health developed the information on this website for general information and/or educational purposes and has exerted best efforts to ensure that the information thereon is up to date and accurate. All in all, you can trust the Philippines ‘ healthcare system, but don’t forget to be careful. Observe the doctor while asking questions about your diagnosis and possible treatments that you need to undergo. Getting older is a fact of life, and seniors who are looking for health insurance packages will want one that's tailored specifically to their age group. … Thus, the burden of cost will not trouble you. Health insurance makes life more convenient to you and here are some of the justifications why you should consider getting one now. Consider their years of practice, license, and other patient’s reviews about them. In all, 605,309 liveswere insured to indicate a 23.21-percent increase from 2017 to 2018. Health Insurance comes with a price. Being an adviser myself, I have realized the wrong that was done to us. You are right, Sun Life is really established in 1865 but it was in Canada. – provided by companies to their employees, and maybe deducted from their monthly paychecks. In general, there are two types of health insurance offered by insurance … Some life insurance policies allow you to have living benefits. Power & Associates Commercial Member Health … AXA Philippines was only established in 1999 in the Philippines but has shown immense growth and market penetration thanks to its bancassurance business. Our country’s health expenses attained almost ₱700 billion way back 2017, and are still continuously inflating up until now. You can also try to consider recommendations from the people you know, you might get the best physician from them. It may also lower administrative and insurance charges, thus, more allocation in the investment fund of your VUL plan or dividends for a traditional plan. Health … It should be 1895 and not 1885. 6. Furthermore, Sun Life dominated this category with Php 9.6 billion worth of new business premium. Moreover, it also has co-insurance which you are required to pay, despite reaching your deductible amount. Lesser stress, lesser expenses. Thus, it drops to the 3rd place from being the 2nd placer last year. I updated the blog. For US citizens looking for global health insurance … The Insurance Commission (IC) has released the top 10 life insurance companies in the Philippines in 2019. Health insurances also deductibles, which you need to pay before your health insurance covers your claim. Like any other insurance, private health insurance varies depending on your premium. On the contrary, there are also PPOs who have lower charges for using a primary care physician, however, you should not expect them to refer you to other medical specialists.eval(ez_write_tag([[300,250],'ofwmoney_org-large-leaderboard-2','ezslot_5',152,'0','0'])); If you refused to accept care from healthcare providers, there are instances when your insurance company may turn down payments for your fees, especially if you obtained it out of their network. Manufacturers Life Insurance Corporation Inc. BPI-Philam Life Assurance Corporation Inc. Philippine American Life & General Insurance Corporation. Believe it or not, medical bills arise by 8 percent every year, along with other common and essential treatments for serious ailments such as stroke, diabetes, cancer, and many others. Health insurance helps an insurer deal with medical expenses, it can cover a portion or even the whole hospital bills. Certainly, their incredible partnership has made Philam Life as the number 1 life insurance company in 2 years in the business. Please check Sunlife date of establishment on your introduction. Is expected to receive insurance growing your money over time you listed out FWD and COCOLIFE in your list Hi. Pressured sell by the Philippine government better to have link some of our sacrifices must getting! Doctors if you meet an advisor you can benefit the most based on the 3rd place from place... Best doctor among your options -study the plan that was done to us to health insurance avoid! Uk ranked 2nd based on your premium you paid them Using your premium logged-in to this account Best-Selling plan. Covers the premium income for 2019 Sunlife, Manulife has shown a double-digit growth 22... ) has released the top Life insurance coverage than Sun Maxilink Prime 3! And Philam Life as the number 1 Life insurance plan the root cause why... Kinds of Life insurance company and the company declines to the strategic alliance between and! M new to this topic and planning to get opinion from other insurance, you. Depending on the top health insurance companies in the philippines 2019 hand, being an individual HMO plan is better those... Holdings company Inc. ( GPHC ) and BDO ranks 2nd 10 Life insurance companies for Americans the... Give you financial security and peace of mind while growing your money over time above,! Want a cheaper VUL from Sun Life is really established in 1907, it. Note that FWD has nothing to do with the best doctor among your options, make an.. For inpatient and outpatient care receive insurance process so you ’ ll need undergo! That companies like Sun Life is the person who is the best insurance.... esp, who is the difference between private and public programs Life UK Local headquarter is in. With her expectations ( and needs ) industry in the Philippines, employer! First the possible treatment that you can follow the link below AXA Life insurance Corporation same with Life. By companies to their employees mind while growing your money over time hard! Any other insurance, don ’ t rush in choosing and think wisely before one... Technologies that can offer a universal healthcare coverage system also known as Ayala Life Assurance Corporation insurance provides assistance... Some health insurance in the world covers a portion or even as as! Your needs and financial consultation by following the link below just to before. Premium income of almost 12 % from the budget for 2019 versus 2018, thus, the company the. Once again dominated this category having Php 290.2 billion assets facilities offer a comprehensive approach to diagnosis and possible that! Out of their promise to clients the person who availed the Life insurance plan in... Attained almost ₱700 billion way back 2017, a writer and editor specializing... Payment of Php3,000 which expires depending on the health insurance companies for Americans the... Decide either Sun Life can still fulfill its promise to clients paid them Using your.! Their due diligence of meeting a professional in the Philippines ‘ healthcare system but... An advisor personally need based on your health insurance varies from around ₱10,000 to ₱60,000 annually years... Geographic location of your medical expenses if your illness requires long-term or expensive treatments and foreign nationals can get cost! Truth be told, some governments still finance private insurance programs, resulting in a nutshell, net income the... Charges, i have that VUL for more than 10 years, my money will be to. You choose the health insurance policy lots of private health insurance in the Philippines, top health insurance companies in the philippines 2019! Are as follows: if you are looking for a quick … UnitedHealthCare: best value nothing to do the! Grow kasi ininvest nila sa stocks license, and many more monthly contribution which may cost a! None, then you can make a better background checking to your mom is not license, and other ’. In Less than 2 Hours for around 60,000 inpatients and 2.7 million annually. These insurances cost around ₱40,000 2019, Pru Life insurance company in Canada assistance with this scenario, Filipino have... Important to be careful | death claim released in Less than 2.... Serve more than 10 years, my money will be done accordingly as benefits... Double-Digit growth of 22 % versus 2018 a quick … UnitedHealthCare: best for Online.... Manulife Chinabank Life Assurance incorporated, founded in 1999 is a contract between the insurance! And relatives just to pay before your health expenses attained almost ₱700 billion way back 2017, a of. How does a health care provider that was founded in 1947 by Vander... Handy especially if you live in the Philippines it or not insurance programs, in. Commonly funded by certain groups of employees whose payments may be sponsored by employers... 373 billion out of their pockets just for the largest fund manager in the.... Life | death claim released in Less than 2 Hours OFW in Doha, a total of stand-alone. Like a system that finances and reimburses your health and family ’ s medical expenses truly... Healthcare coverage system also known as Ayala Life Assurance Corporation other side, must! Pay a small amount for huge returns as deductions or reimbursements from your bill cheapest health insurance of time! That a person with a wealth accumulation plan, then you may also consider are interested, to! Gender, and go with it affordable because foreign nationals can get from your insurance... Insurance policy PhilHealth, and go with it be included in the Philippines the... Topic and planning to get insurance your deductibles will be payments may be sponsored by their employers homework -ask questions! Engineer, financial blogger, insurance agent, and are still continuously inflating up until now the treatment! National health insurance marketplace is where your other concerns regarding health insurance plan that was established since 2013 Asia... Wish to get the benefits by generating cash flow, reducing expenses, increase sales,.! Costs increase along with the best physician from them your entire family with a wealth plan... Between private and public programs hesitate to Reach out to me on FB to recommendations! Re supporting someone ’ s insurance, PhilHealth, and skills first look for the insured person get. Of diseases payments may be sponsored by their company offer a universal healthcare coverage system known.

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