Some people just don't get it, you are trying to put down RAL's health insurance that has more coverage than the current PARC policy, a policy that has a deductible that RAL's coverage does not have. I am stating a fact with relation to our Health coverage, not your Personal Accident and Injury policy, do you know the difference?
My recent surgery was 100% covered including taxi fare with NO deductible.
There is no need to misinform people, it's public knowledge.