1. If you don't suffer from one of the 40 diseases, what should you do if you are hospitalized with a common disease?
2. Accumulating bonus is an uncertain thing. Can be more or less, dispensable. What if there are few?
Personally, considering the disease protection, at your mother's age, if you are an urban hukou, choose urban residents' medical insurance, and if you are a farmer, choose cooperative medical care.