住院保障is more important then住院現金保障, because 住院現金保障just for income and it is not enough for cover the expenses you pay when you enter the private hospital, so it is more expensive then the cost you pay of 住院現金保障. 住院保障is more important especially for baby as you can stay behind to takecare baby in hospital.
(i cannot type chinese words as i am here in canada for my holiday - no such chinese words can type)
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