Thoughts about disease and death are awfully frightening; talking about it is even worse.
But that was precisely what the insurance consultant sitting in front of us was doing – telling us about the two most imposing reflections that our mind chooses to sidestep, while we merrily dig into the meatball of life. We behave as if the two big D’s were things that could happen only to someone else, even as our core instinct prompts us about the possibility of the former and the certainty of the latter in our lives.
“I am sorry, but I have to be a little raw about this,” he announced, giving his audience a grating presentiment of what was to follow. We felt our stomachs tighten as he spoke of all the things that we had to know about ‘possibilities’ and ‘eventualities’, but had chosen to ignore for obvious reasons. The session wasn’t as innocuous as it had been when we had taken our Life Insurance policy many years ago from the ubiquitous LIC agent back in India. It is strange that the phrase ‘in the event of death’ did not sound so sinister then as it did now.
With a health insurance card from the company that takes care of medical expenses here, there was little else that weighed on our mind until we cruised into the mid-forties and the shades of grey started showing up. We realised that old age (albeit, still some distance away) was not just ‘a natural occurrence that we could handle when we came to it.’ Instances of critical illnesses among old people (and some younger) we knew and the utterly prohibitive cost of quality health care and treatment that we heard about forced us to do some serious reality check. It wasn’t an easy exercise, but who said life beyond the glam years was so easy?
The literature that we were handed out blew the living day lights out of me. It gave us a heads up on the worst possible ways to die. I felt as if I was being asked to choose my most (in)convenient way to do it, and then I was being given not a clever way to buck it, but a fair chance to beat it. There were, of course, no guarantees on coming out alive and well, but we all have the right and responsibility to put up a fight, and to do that, it is now not enough to have guts and gumption. We need lump sum cash in our pockets.
My grandpas and grandmas ended their run on this earth so peacefully that not even the seasons noticed their passing. The paper in my hand suggested that things might not be so peaceful. Along with new inventions for better living, there are now newer, mysterious and often unpleasant ways of quitting this world. Blame it on life style shifts, natural inequities or plain irreverence to the cosmic law; we may, for all you know, get the short end of the stick, and we had better make ample provisions for it.
It is certainly not a jolly thought to dwell in, especially when life is riding the crest and things are gung ho, but it helps to swallow the bitter bill and be prepared. Not all of us can boast of chunky bank balances to support our future medical needs. We often scrimp and save for our children’s future, our retirement, a world tour, but very seldom for that prospect of falling grievously ill.
It will be tough to convince the irrational mind that taking an insurance cover against such a contingency doesn’t mean that we are going to contract something critical. Far from it. It is only like carrying an umbrella in our bag even when the skies are clear, for, as Forrest Gump’s mama often said, “Life is a box of chocolates, you never know what you’re gonna get.”
didn’t want a sample of fame that you grudgingly showered on me for only fifteen minutes, nor did I want to be famous just in my neighbourhood. I had wanted to be genuinely well known — the kind that people recognised from far and mobbed, the kind that stared out of glossy magazine covers, the kind that had a ready retinue in attendance; in short, the sort that the world saluted, cheered and drooled over.
Applied within an organisation, these very aspects can help a corporate head establish an enviable rapport with his workers. In a domestic set up, this is what keeps the family intact and in good faith. Every team needs a leader who strikes a chord with his people and promises that even the worst scenario would pass and that there is hope for us if only we take the strides together.
Those long lost ones from school and college.
Do I really have a dream to fulfill? I don’t know, but they believe so, and they have led me to a path that they think will take me to my destination, whatever and wherever it is. I didn’t believe that they could let me go so easily to be in a strange new place where the food was more like fodder, the rules were unbending and the lady called the matron was less of a human and more of an ogress. Did they really want to push me into such hell just because they thought I had a dream to pursue? It made me think that they merely wanted me out of their life; it made me hate them for imposing on me what they thought was ‘for my good.’ What good could there be for me outside of home?