I was recently reading a paper about the hang-ups of patients when prescribed medication.
Apparently this is a big issue where patients see no benefit from some prescriptions even though they may be life-saving because they don’t deliver a quick fix.
For example you have a headache and take a pill and it goes, usually within 20 minutes; result satisfaction and you are prepared to do it again. But say you’re prescribed Statins to reduce cholesterol and have no idea if they’re doing the trick for months so may feel reluctant to continue, or possibly experience some side effects so don’t take them that often and your own doubts actually handicap progress.
I think the same problem in a very bizarre and round-about also way affects the way people see insurance, in that you don’t see the value as there is no immediate fix. So many just duck out altogether unless it’s legally obligatory; and then go for the cheapest believing that no problems have happened so far, so why go for it now and waste my money?
Maybe with this note going out over Friday the 13th it’s an auspicious time to think how lucky we can stay. For some they may have a charmed life and somehow the odds of anything going wrong are so wide that continuing to argue the case for insurance would be a total waste of energy.
Obstinacy and denial are powerful tools when trying to put across a balanced approach, and to some they will see absolutely no value to insurance what so ever. But for those who accept there will be no immediate fix in taking out insurance or extra cover and can see it as a safety net it’s hard to argue that it isn’t worthwhile.
At Trident we know it’s your hard earned money paying for insurance, and with belt tightening across the board, if there’s a way of getting it cheaper it’s perfectly understandable. But at some point if what you’re paying for is so much cheaper than a general market price, the cover offered may be as useless as a chocolate tea pot.
We can’t say go without and take your chances; but if that’s your view we have to respect it.
All we can say is that insurance isn’t medication as we know it, and will not guarantee an immediate fix but having the right cover will keep an element of stability and peace of mind that without can’t be secured, and at Trident we honestly feel that is the better way to go.
Regardless, please steer clear of ladders!!
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