We were still in Negros when Ate Zeny called me that their hospital and doctor’s bill was almost half a million. ” Oh my!”, I almost shouted! We never thought the bill surged that high since we only estimated it to be between P 200 – P 250 Thousand. God worked in miraculous way , He used the employer of Ate Zeny to lend them a considerable amount. Now, Elder Toto is out from the hospital and is recuperating fast from the Brain surgery. Sickness is inevitable.. thus my hubby and I decided to look for a cheap health insurance agency and get the whole family covered with a policy. Indeed to be sick is very expensive!