Insurance

[zheer]

Which part of your body would you insure, haw much would you pay and why.

[pianobabe_56]

You realize that you are talking to a forum FULL of piano nerds? As well as males between the ages of 15 and 30. So that gives you two likely answers. 

[zheer]

Yeah i know i was just waiting for someone to say it. Sad isnt it.

[pianistimo]

how often do people really break their fingers, though?  i mean, it's more likely, as in my case to break a leg.  i would insure my legs.  well, they are insured, as well as the rest of my body with health insurance.  insurance is good to have when you need it.  especially at 22, 000 + dollars for one stupid broken leg.  i had cat scans, x-rays.  just don't understand why they need more right before surgery when i just had some the day before.   if you are under general anesthesia , you can't say what you want or don't want

but, if you are not insured - or insured at a lesser price - think about everything they try to give you and determine if you want it or not.  it all adds up. 

guess what i found out.  say you were not able to get a doctors care and needed a sort of cast.  you can use a boot.  yes.  a regular soft lined boot.  after the top half of my cast came off,  i went out and bought some of those body contour leggings and they feel really good (two pairs).  in fact, i turned the leg of one inside out and it provides double the support.  pretty ingenious, huh.

how much for my legs?  at least 22, 000 per leg.  that's the going rate.  i joked with the anesthesiologist about needing a hollywood doctor to make sure that my leg would be straight (i said they were my best asset).  surprisingly, the doctor performed a closed reduction (just pushing the bones into place) and it worked!  prayer helps, too!  now, i am trying to get lots of sunlight.  sun gives bones most of the vitamin D they need to regrow.  if you can't get sun - you can use infra-red lights like NASA astronauts do (to maintain their bones in space). 

[ted]

US$22,000 ? For a broken leg ? Seriously ? New Zealand has accident compensation, which pays for all but a fraction of treatment and hospital stay is free to citizens for accidents and certain serious categories such as malignancies, heart disease and the like. Private insurance has crept in over the last twenty years but obviously not to the extent it operates where you are. Free public treatment still exists for things like hernia operations and hip replacements but these days we have to wait a long time for them so most people opt to do them privately through insurance.

A good by-product of our accident compensation laws is that individuals cannot sue one another for the consequences of accidents.