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The valuation of the market is still reasonable , with corporate earnings expected to grow at least 15 % over the next 3-5 years , says Nimesh Kampani , chairman of JM Morgan Stanley , one of the biggest investment banks in the country . Both cover an array of medical , surgical , and hospital expenses . " We cried every day and missed our parents and our village in China terribly , " they wrote in the letter to Michael Chong , a member of the ruling National Front coalition , who runs a well-known help center for ordinary people trampled and abused by the state and its bureaucracy . Since late September , appeals have resounded to address the malpractices in the education sector and in HIV / AIDS-stricken Henan province , both of which are usually considered the dominions of Jiang Zemin , who also had been head of state and was well known as head of the Shanghai Clique , comprised of his colleagues and proteges from the east coast near Shanghai and Shandong province . A. No. Although you can select a plan or buy a policy that should cover most medical , hospital , surgical , and pharmaceutical bills , no single policy covers everything . Assets are things you own , such as checking and savings accounts , certificates of deposit , cash value of life insurance , stocks and bonds .