healthy body tips

It has been quite a long time since, I have written anything on this blog. Let me dedicate this blog post for why one should be having a mediclaim policy. I would like to describe this with a short story as well.

My friend Rohit works as a clerk at a office and earns around 5k rs per month ( approximately 125$). He is the sole earner in a family of three and as you might have guessed no need for me to say he is poor. They stay in a rented apartment with 1500 rs rent. Now just imagine what he must be doing with the remaining 3500 rs. Should he pay the milkman, for food items, for his personal expenses including travelling, for events that are cultural part of Indians, and still there is lot more. It happened that I had explained to him what if some health problem pops up in this tight schedule. But he rightly said what was he supposed to do. He cant bare the existing expenses, so how was he supposed to cope with the mediclaim which does not even has money back facility, if nothing happens.

Unfortunately last friday it happened that his dad met with an accident and lost sense for approximately an hour. He was admited to an hospital and the total expenses were more than 10000 rs. Which my friends is 2 times his monthly salary and he will need atleast one whole year to recover from it, if nothing like this comes up ( I wish nothing comes up ). Yesterday he came up to me and explained that he is facing a hard time and told me how it will take him 1 year to recover financially.

What if he had taken a mediclaim policy of 1000 rs per year which covers mediclaim for parent for 10000 rs. Wudn't he had recovered it in 2 months. This doesn't mean that this policy applies only to poor people. What if you have money in your bank but you can't access your bank account. If you have the cashless mediclaim facility you can avail it without waiting to access the bank account in emergency situations. There are other benefits to mediclaim policy as well. It is exempted in the income tax, it gives you a secure feeling, if you have a policy you can get treatment at a better hospital at expenses which will be much less than what you would be paying at a general hospital. Say for example you have a 5k policy which covers you for 1 lakh rupees. If unfortunately you meet with an accident you can always go to a much better or the best hospital in town and could be treated in 5k rs which you already have paid.

So my dear friends get health insurance as soon as possible.

It is true that the HIV prevalence all over the world has started getting under control but the people who keep on worrying about HIV are not reduced. I was thinking of dedicating a post to the worried people who keep on worrying about their HIV status.

I have seen a couple of forums where people keep on asking the same question again and again after having an HIV exposure. Let me tell you a short story of how one of my friend wasted almost a year of his life thinking he was infected with HIV. Once Ashok( one of my friend) was exposed to the virus and yeah he went paranoid as well. Ashok kept on worrying and even went paranoid to think how many years of life, he will be living from now. All day, all night long he was unable to think anything else than to worry. With HIV in mind, he was not interested in work, neither interested in playing games. His work seniors started to doubt his abilities. Finally he got tested after 6 weeks of exposure and the result turned out to be negative. He was happy, went to Goa (a tourist place in India) and enjoyed a lot. But the fear returned when he started thinking about the 3 month period which is know as window period and most of the doctors suggest testing after 3 months of exposure to HIV virus. Ashok got tested again and this time too the result was negative.

You might think this all ended up here but no there's a lot more to this. When Ashok went to get tested for the second time, he was accompanied by many HIV +ve people who were there for CD4 count ( regular blood checkup once diagnosed with HIV ). Both were made to sit on same chair. Due to Ashok's paranoid nature , he started thinking of all the possible scenarios in which he could get infected from the earliar patient sitting on the same chair. The cycle of 3 months started all over again. Finally he was able to fight to this non sense fear for 3 months and get rid of the HIV fear all together.

What do you think Ashok gained> He gained very less compared to 9 months of life, he wasted due to fear and worry, which he will never get back compared to the HIV knowledge he earned during these months. So I want all you people to try and not worry if you are not sure about your HIV status till your results are out and I beg you people to use protection whenever having ... you know what I mean.

Those who want to read more about HIV can take a look at HIV INFO