Answer:
What are the drop down options?
I think the correct answer would be second opinions. Insurance companies would recommend their members to go for second opinions so as to make sure the operation is worth it for them to spend less and wisely. Hope this answers the question.
Answer:
If you are asking for the translation of the phrase, it means "an example", or someone/something that is a good example.
Ex:
"Dapat mong tularan ang ate mo."
This means, you should follow the steps of your older sister.
It means occurring an amount of times.