principles to enhance their financial situation, in order to ensure that their current and future beneficiaries receive their commensurate benefits. 8. For agencies such as PhilHealth, to ensure transparency and accountability in the investigation of issues on fraudulent claims from service providers and connivance with the agency staff. With the UHCL looming, they should guarantee that such issues will not hamper the enjoyment and realization of the universal coverage of Filipinos under the National Health Insurance. 9. For the LGUs, in collaboration with the relevant government agencies such as the NCIP, DOH, among others, to train health personnel in facilities to be sensitive to the culture, needs, and circumstances of the people in the areas they serve. Best practices in communities where exemplary health facilities have been set-up must be studied and replicated in other areas, customized to the cultural practices of each locale. 38