no need u to speak to each of this insurance company. u will get crazy because its not what company tht is matter most, it is ur need is matter most..then u will now what cmpany will provide the best plan, actually is THE BEST SERVICE not PLAN nowadays. because nowadays after service important, ex: our insurance transaction with hospital, sometimes insurance company that not stable enough will hve dfficulties to get approval (gl) or claim. .. basically, u hve to know what kind of insurance do u need.. medical card that pays ur hospital bills?, for retirement or for other puprposes.?.. n next decide ur company, make some research with friends, n lastly, pick ur AGENT.. because this person will serve u when u are having diffculties... ok.. its good u realise the important of insurance..