For the most part, insurances commonly only cover 80 percent, so as not to allow taking advantage. For some that they consider high risk, the insurance companies top it up with a rider payment.
Insurance companies do not offer against moral hazard eg being fired or pregnant. Health insurances protect themselves by providing incomplete insurances in the form of excess. The coverage is normally patchy, costly and bureaucratic!
At birth, we boarded the train of life and met our parents, and we believed that they would always travel by our side. However, at some station, our parents would step down from the train, leaving us on life's journey alone.
As time goes by, some significant people will board the train: siblings, other children, friends, and even the love of our life.
Many will step down and leave a permanent vacuum. Others will go so unnoticed that we won't realize that they vacated their seats! This train ride has been a mixture of joy, sorrow, fantasy, expectations, hellos, goodbyes, and farewells.
A successful journey consists of having a good relationship with all passengers, requiring that we give the best of ourselves. The mystery that prevails is that we do not know at which station we ourselves will step down. Thus, we must try to travel along the track of life in the best possible way -- loving, forgiving, giving, and sharing.
When the time comes for us to step down and leave our seat empty -- we should leave behind beautiful memories for those who continue to travel on the train of life.
Let’s remember to thank our Creator for giving us life to participate in this journey.
For the most part, insurances commonly only cover 80 percent, so as not to allow taking advantage. For some that they consider high risk, the insurance companies top it up with a rider payment.
ReplyDeleteInsurance gives people a chance to protect themselves against the high cost of bad luck.
ReplyDeleteInsurance companies do not offer against moral hazard eg being fired or pregnant. Health insurances protect themselves by providing incomplete insurances in the form of excess. The coverage is normally patchy, costly and bureaucratic!
ReplyDeleteTrain of Life
ReplyDeleteAt birth, we boarded the train of life and met our parents, and we believed that they would always travel by our side. However, at some station, our parents would step down from the train, leaving us on life's journey alone.
As time goes by, some significant people will board the train: siblings, other children, friends, and even the love of our life.
Many will step down and leave a permanent vacuum. Others will go so unnoticed that we won't realize that they vacated their seats! This train ride has been a mixture of joy, sorrow, fantasy, expectations, hellos, goodbyes, and farewells.
A successful journey consists of having a good relationship with all passengers, requiring that we give the best of ourselves. The mystery that prevails is that we do not know at which station we ourselves will step down. Thus, we must try to travel along the track of life in the best possible way -- loving, forgiving, giving, and sharing.
When the time comes for us to step down and leave our seat empty -- we should leave behind beautiful memories for those who continue to travel on the train of life.
Let’s remember to thank our Creator for giving us life to participate in this journey.