Speaking of insurance…..

There was this presentation on Medical Insurance at office by some guy from a top insurance company with which our insurances have been taken…
The guy was was really good at what he wanted to say.. and this is what happened...

Insurance guy(Agent): We are from blah blah insurance commpany.. We are glad that we got an opportunity to present in front of you people.. Blah blah….

Agent: We cover illness, accident and maternity stuff…. And by accident, I mean anything and everything which is mentioned under the oxford dictionary as the meaning of accident… (Wow!!) For eg. Even if you slip and fall in the bathroom, it is an accident…
** Wow.. If u jus slip and fall and produce some fake bills, they cover you ? **


Agent: But remember these ground rules.. We cover you only under 2 conditions Number1: You should necessarily be hospitalized for 24 hours .... Number 2: The doctor should diagonize some illness/disease or major complication….
**Ooooh .. Ok ok.. **

Agent: And see.. You cant fool us… If you walk into any hospital and tell them you want to do some tests and hence and you want to get admitted, they will be too glad to admit you, as all they want is money.. You get admitted… and they make all tests and your bill comes to around 15,000 bucks.. And then the doc looks at the report and says that you are completely fit and fine…. Then in that fit and fine condition, you need to bear the entire bill.. We wont pay it for you…
**Huh… all plans spoiled! **

Agent: The eligibility for the employees of this company is Airconditioned/Non airconditioned room…. There are two hospitals in the city which have special suites which is almost half the size of this hall… In case you want to take that up, then we pay part of the cost and you bear the remaining…
**One guy is very interested about this suite thingie… so he asks..**
"How much percent will you bear.." and a lot other questions related to it…

Agent: Sir, you generally don’t go to a hospital for vacation… You want to get out of that place as quickly as possible, so generally the suite doesn’t make a difference.. (everyone laughs) Anyways, we bear 80% of the charges…
But the ground rules are.. should be hospitalized for 24 hrs… and diagonized for illness/disease...blah blah…
**we know we know…**

Agent: One more thing… you are free to drink and drive, but we wont cover u if you meet an accident in the process…. (giggles..) or atleast get a report from the doc saying that there was no alcohol in the blood… :)

**the ppt now displays a long list**
Agent: these are the conditions we cover… ( goes on reading every type of diesase/illness ) **ugghh..**
But again , the ground rules…
**aaarrgh...ok…ok… these rules are kinda becoming our anthem...**

Agent: And these are the things we don’t cover…
**another list comes up… felt sick**

Agent: Incase of accidents, for loss of limbs, we have different rates… If you lose a hand, you get back the insurance amount, ...Even in case of a finger, different lengths of finger amputated will have different amounts… the doc has to say that -"the person is amputated to x%" and accordingly we will reimburse…
**Please continue the cannibal talk! Feels great when I listen to cutting limbs...** ugh..

After the presesntation got over, we were walking back, when my HR smiles and asks me -"How was the presesntation?"
Me: "Uggh… kinda feeling sick already… will they reimburse me something for a sick feeling?.. Oh no… How can I forget the ground rules.. !"
;)