ArtsAutosBooksBusinessEducationEntertainmentFamilyFashionFoodGamesGenderHealthHolidaysHomeHubPagesPersonal FinancePetsPoliticsReligionSportsTechnologyTravel

Health Insurance and the Indian Dracula:

Updated on December 30, 2009

Ills Of Health Insurance In India

I don't know when it started but I came to know the ills of health insurance when I took my nine months pregnant wife for a final checkup a couple of years back.  The doctor ordered for a blood test and ultrasound scan.  The laboratory apparently belonged to the same small hospital (known as nursing home in India).  We met the doctor with the results the same day evening.  After knowing that we have health insurance cover provided by the company where I work, the doctor citing inadequate liquor recommended admission for a cesarean section well fifteen days before the due date.  As my wife had two ultrasound scans previously which were completely normal, we went back to the gynecologist who cared for my wife’s pregnancy.  She recommended another ultrasound scan from a different laboratory and the report confirmed a normal nine months pregnancy.  Ten days after that my wife delivered a healthy child in a different hospital through normal vaginal delivery.

A couple of months back, my cousin met with an accident which resulted in a ligament tear.  The orthopedist offered surgical treatment which would cost about one lac rupees.  No need to tell that my cousin had a health insurance card.  The cost of the MRI which he referred was 6000 rupees which is otherwise 3000 rupees in the same laboratory.  Apparently, 3000 rupees goes to the doctor’s pocket.  My cousin went for second opinion and got the ligament tear treated non-surgically which healed in two months and is undergoing physiotherapy now.

Four days back my nephew got anal fissure surgically treated.  The cost was 10,000 rupees but when he flashed his health insurance card it immediately jumped to 20,000 rupees.  I don't know where this trend is going towards and how insurance companies and patients are going to deal with this in future.  I and my friends have decided to deal with these Draculas by going for a second opinion whenever the doctor suggests multiple examinations or surgery.

The most ridiculous thing happened this November.  One of my uncles went to a cardiologist with heel pain and got admitted into hospital and underwent multiple examinations including echocardiogram and eye examinations for cataract (my uncles has a good eye sight). He was there in the hospital for a couple of days.  The total cost for the insurance company was 15,000 rupees.  At this rate, every one of India’s one billion people would have undergone some kind of surgery by 2015 and Health Insurance Companies would become extinct.  


    0 of 8192 characters used
    Post Comment

    No comments yet.


    This website uses cookies

    As a user in the EEA, your approval is needed on a few things. To provide a better website experience, uses cookies (and other similar technologies) and may collect, process, and share personal data. Please choose which areas of our service you consent to our doing so.

    For more information on managing or withdrawing consents and how we handle data, visit our Privacy Policy at:

    Show Details
    HubPages Device IDThis is used to identify particular browsers or devices when the access the service, and is used for security reasons.
    LoginThis is necessary to sign in to the HubPages Service.
    Google RecaptchaThis is used to prevent bots and spam. (Privacy Policy)
    AkismetThis is used to detect comment spam. (Privacy Policy)
    HubPages Google AnalyticsThis is used to provide data on traffic to our website, all personally identifyable data is anonymized. (Privacy Policy)
    HubPages Traffic PixelThis is used to collect data on traffic to articles and other pages on our site. Unless you are signed in to a HubPages account, all personally identifiable information is anonymized.
    Amazon Web ServicesThis is a cloud services platform that we used to host our service. (Privacy Policy)
    CloudflareThis is a cloud CDN service that we use to efficiently deliver files required for our service to operate such as javascript, cascading style sheets, images, and videos. (Privacy Policy)
    Google Hosted LibrariesJavascript software libraries such as jQuery are loaded at endpoints on the or domains, for performance and efficiency reasons. (Privacy Policy)
    Google Custom SearchThis is feature allows you to search the site. (Privacy Policy)
    Google MapsSome articles have Google Maps embedded in them. (Privacy Policy)
    Google ChartsThis is used to display charts and graphs on articles and the author center. (Privacy Policy)
    Google AdSense Host APIThis service allows you to sign up for or associate a Google AdSense account with HubPages, so that you can earn money from ads on your articles. No data is shared unless you engage with this feature. (Privacy Policy)
    Google YouTubeSome articles have YouTube videos embedded in them. (Privacy Policy)
    VimeoSome articles have Vimeo videos embedded in them. (Privacy Policy)
    PaypalThis is used for a registered author who enrolls in the HubPages Earnings program and requests to be paid via PayPal. No data is shared with Paypal unless you engage with this feature. (Privacy Policy)
    Facebook LoginYou can use this to streamline signing up for, or signing in to your Hubpages account. No data is shared with Facebook unless you engage with this feature. (Privacy Policy)
    MavenThis supports the Maven widget and search functionality. (Privacy Policy)
    Google AdSenseThis is an ad network. (Privacy Policy)
    Google DoubleClickGoogle provides ad serving technology and runs an ad network. (Privacy Policy)
    Index ExchangeThis is an ad network. (Privacy Policy)
    SovrnThis is an ad network. (Privacy Policy)
    Facebook AdsThis is an ad network. (Privacy Policy)
    Amazon Unified Ad MarketplaceThis is an ad network. (Privacy Policy)
    AppNexusThis is an ad network. (Privacy Policy)
    OpenxThis is an ad network. (Privacy Policy)
    Rubicon ProjectThis is an ad network. (Privacy Policy)
    TripleLiftThis is an ad network. (Privacy Policy)
    Say MediaWe partner with Say Media to deliver ad campaigns on our sites. (Privacy Policy)
    Remarketing PixelsWe may use remarketing pixels from advertising networks such as Google AdWords, Bing Ads, and Facebook in order to advertise the HubPages Service to people that have visited our sites.
    Conversion Tracking PixelsWe may use conversion tracking pixels from advertising networks such as Google AdWords, Bing Ads, and Facebook in order to identify when an advertisement has successfully resulted in the desired action, such as signing up for the HubPages Service or publishing an article on the HubPages Service.
    Author Google AnalyticsThis is used to provide traffic data and reports to the authors of articles on the HubPages Service. (Privacy Policy)
    ComscoreComScore is a media measurement and analytics company providing marketing data and analytics to enterprises, media and advertising agencies, and publishers. Non-consent will result in ComScore only processing obfuscated personal data. (Privacy Policy)
    Amazon Tracking PixelSome articles display amazon products as part of the Amazon Affiliate program, this pixel provides traffic statistics for those products (Privacy Policy)