Hello, enjoy life. A means there is no medical insurance reimbursement, and b means there is medical insurance reimbursement. Under normal circumstances, choose A, because some people pay the medical insurance in cities and towns once a year, and some people forget to pay it. Choosing a is safer. Enjoying life is hospitalization reimbursement. This is your social security reimbursement, and the rest is reimbursed by enjoying life. I wonder if you can understand this. I wish you peace! ! ! !

Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.