My friend Oyinbo Pepper is a great guy. Right after NYSC in 2015, he got a job as a van sales representative for one FMCG in Enyimba city, his monthly gross amounting to N30,000. Last Christmas, he shared with me his grand plans of travelling to Canada, and to prove his resolve he showed me the balance in his savings account domiciled with First Bank. N500,000. I was impressed, I prayed for him, I wished him well, and we downed a few bottles of beer to celebrate his future plans, his hopes, his noble aspirations. Only perhaps we counted our chickens before they hatched. Man builds and celebrates. Fate crushes and disintegrates.

First, Oyinbo's mother fell ill. After her medical bills drained his savings account, she passed on. She was only a youthful 45! A few months later, his sister had a life-threatening condition. Having no funds, he dipped hands into his employer's sales revenue and settled the bills. "Family comes first," he said. At present, he has a debt obligation of N740,000 to his employer. Last night, he called me. He sounded defeated. He wants to run away.

Long story short, I have advised him against it, and help is already on the way for him. But then a thought has been racing through my active mind.

Why do we loathe health insurance? What exactly is our grouse with health insurance? Why would you advise someone against taking health insurance?



Please share your thoughts and experiences!!!