23 - Two insurances is bullcrap (Eng/Canto/Mando)

Listen and learn to speak casual and informal Cantonese and Mandarin as in the dialogue about having dual insurance coverage: A: Someone said if there are two insurances, with the exception of insurance premiums, you won't need to pay for any other medical expenses. B: That's bullcrap--having two insurances is not necessarily as good as you think it is; when you have another insurance, that secondary insurance benefit is more likely gonna be reduced to avoid paying duplicate charges for the same service. ©2019 Emeline Mann Sanchez soundtrack: “NARC,” by The Passion HiFi, www.thepassionhifi.com