hakika mfuko huu ni mkombozi, ukizingatia kuwa maradhi yanaweza kukupata wakati wowote, hvyo unakuwa una uhakika wa kupata tiba tatizo ni utekelezaji wake ni mgumu sana as long as watu wanakosa huduma pa1 na kumiliki bima za afya na pesa zetu wanachukua that is not fair!