Well as as you say the um is the biggest part of it i think that leo kwa gharama uh bima ya matibabu na miwani na meno na kila kitu ni boom a plus to have that hata mbali kama mshahara wako i think it ' s not out of pocket money and they have a good insurance uh sera
You pay for it all out of your pocket money , sio kwa kawaida na mshahara wako .