I accept your comments kimmi thank you. In my personal circumstances this is not about me not understanding, being naive. i have a degree in international economics and so im pretty clued up regrading the way of he world. Please do not insult my intelligence. Health insurance in your country is a way of life in the philippines. Why dont u look around. Major international and global companies have established health insurance markets. When i visted mainila you have state of the art hospitals, you have a public health system and you have the choices that individual family members make. Thats all i am saying. Of all the choices you make you do one best for yourself and your family. Of all the respones i read to my first post i actually found yours very insulting 2 me. It was almost saying dont bother us. Dont even try telling people what the system is, what the alternatives are ?

gudnite and god bless - nigel