The advantages of medical insurance coverage weigh in opposition to the pathological compulsions of VFM
In his timeless basic, Three Men in a Boat, Jerome Okay Jerome in one of many pleasant diversions for which his books are famous, recounts how when feeling indisposed he went to a library and seemed up a medical encyclopaedia.
He found that not solely did he have all of the signs of hay fever, however idly leafing by way of the pages, below T he discovered that he had the signs of typhoid as nicely. Under S he discovered he suffered from St Vitus’s Dance. To decide the total extent of his pathology, he determined to go about it alphabetically.
Sure sufficient, below A he got here to know he suffered from ague, below B he had Bright’s Disease, adopted in C by cholera, D by diphtheria, G by gout, all the way in which to Z by zymosis.
The solely ailment he did not have was Housemaid’s Knee, a singular omission that he felt miffed about. Why this invidious exception? Why didn’t he have Housemaid’s Knee?
I’m feeling a bit like Jerome proper now. It’s not that I’ve instantly been assailed by an assault of hypochondria, imagining that I’m affected by all method of complaints. It’s that I’ve simply renewed my medical insurance coverage coverage, an train that’s left a complete vacuum within the area as soon as occupied by my checking account. Health insurance coverage ought to carry a statutory warning: This insurance coverage is injurious to your wealth.
What’s acquired me fearful is what number of illnesses and bouts of unwell well being I’ll must endure with a view to get VFM – Value For Money, or paisa vasool – on my premium.
On a twin-sharing foundation, a Gurgaon hospital room prices 3,500 a day. Add docs’ charges, medicine, and disposables, and a single day’s hospitalisation can include a price ticket of 20,000 or extra.
Like Jerome, I start to mentally checklist the assorted diseases I’ll must contract to get my insurance coverage cash’s price.
That’s the issue of medical insurance coverage. You can’t afford to not have it in the event you do fall unwell. But in the event you do have it, you’ll be able to’t afford not to fall unwell.
Disclaimer
This article is meant to carry a smile to your face. Any connection to occasions and characters in actual life is coincidental.
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