Medical Insurance…. who for?

Medical Insurance…. who for?

Recently a staff member’s parents fell ill. This staff member has been with me for many years and over these years she and her family have moved up the social ladder slowly but steadily and are now what one would call a lower middle class family. They still live in the same ‘house’, but this house has been spruced up and extended. The children attend a good public school and the family’s life has changed in more ways than one be it the food they eat or the clothes they wear. I think their wardrobe is larger than mine! Gadgets have found their way in the home and from survival mode they have moved on to urban living mode and are empowered.

When you move up the social ladder you feel compelled to give up certain things that you had accepted for long and that is medical facilities. 10 years back they went to the local quacks when they were ill or doctors who are not really doctors but glorified compounders. There is even one whose boards states that he was trained in Vienna! When your were truly unwell, then you strutted to the closest government hospital.  Strangely or perhaps this is part of the social mobility, the first thing they lose faith in  are state run hospitals, even the ones I would prefer if I had the right contact, and rush to private hospitals that are expensive and with poor medical ethics if any. In this case they shelled out more than 100 000 rupees for the both parents! They did not have any medical insurance.

But let us talk about this new kid on the block: medical insurance! If you pause and think you will realise that  medical insurance covers only hospital stay. Now I cannot state a figure but based on my life I thing we as a family have not been admitted for more than 30 days in the last 40 years in a hospital. Papa, being a Freemason, went to their clinic for his tests and spent 9 days in hospital for his cancer surgery. Mama never went to hospitals and anyway in those time there were very few private hospitals and nursing homes. Having a dear friend in AIIMS, my parents had access to the best. Papa being a government servant could have used the Wellington hospital but never did. This was in the seventies and eighties. I spent 10 days in hospital for the delivery of my two girls. So the need of hospitalisation is very minute. But what we spend on are doctor’s visits, occasional blood tests and other medical investigations and medicines. And as we all know this is a substantial amount. Every visit to the doctor plus medicines cost a bomb that no insurance pays.

So who does this great new private insurance truly benefit! Certainly not the patient. Private insurances benefit the big medical business and fraternity. Have you seen how many new fancy hospitals are mushrooming each and every day! I am astounded! Once you cross the threshold of any of these fancy portals, you are drawn into an infernal spiral. Now let us do some maths! let us say you have a 600 000 insurance cover that you pay 15 000 rs per year and you never get hospitalised, then it is sound business! I wonder what the percentage is! Should you get admitted then everything is done to hold on to you and inflate the bill. My cousin brother was according to me DOA after a huge heat attack but was kept ‘alive’ and multiple surgeries performed on him. He was declared dead the next morning and strangely the bill handed to us was very close to his insurance cover. There was a client who would not get back so let us make the max we can!

So medical insurances cover only hospital stay. That is how it goes. I am sure more doctors are recommending hospitalisation! But today I could not repress a smile when I read a news headlineInsurers in spot as medical advances push up treatment costs! The once quite lucrative business seemed to be taking a beating as new and expensive techniques were available and as the patient did not pay from his pocket he sought the best provided it fell within his insurance. If I am insured for 6 lacs, then why should I take the 70 000 option, I will go for the 3 lac one! But as is said in the article, the insurers are now plotting ways to limit their costs. As I said it is all a matter of making money, who cares about the patient!

It’s your fault

Kalki Koechlin’s video as gone viral! The purpose of this clip is a response to the jaded and sated explanation given after every rape: “Every sexual assault case in India inspires a string of stupid and hateful remarks against women. This is our response to those remarks”. It is worth watching and also pondering about our own guilt if any. Open magazine takes us to another level when it shares in a article entitle Misogyny, Rape and Medicine, the terrible and unacceptable that rape is treated by the very ones who should heal all scars. The author is a doctor and she recounts the horror she witnessed when a child rape victim was brought to the hospital she worked in. I quote her words. They are chilling:

That morning I had been urgently summoned by a senior colleague. Her cheeks were flushed. Her eyes were shining.
“Come on! There’s a rape case, it’s really exciting!”
I followed her into the ward. A crowd ringed a cot on which, cowering in misery, and pulling her blood-stained frock down tight over her crossed ankles, was a child about the same age as my colleague’s daughter.
The other doctors who surrounded the cot were men. They were chuckling over a joke. The rapist had bitten the child’s face in his frenzy, leaving a gaping hole in one cheek through which her teeth showed. The joke that had the doctors in splits was about that gash.
Once the child’s frock was off, there were other, broader, jokes. They bet on the likely positions the rapist had taken. They rolled her over and inspected her like a piece of meat.

Will hanging a few rapists take care of mindsets? I really do not think so… It will be another come on! they are hanging the rapists, it’s really exciting!

It is our fault. Not because we wear provoking clothes or go out at night. No it is our fault because we do not bring up our children well, we as women perpetrate patriarchy to a fault. We as women kill our female foetuses. We are guilty of considering our daughters as the ‘property’ of someone else and never allowing her to forget this. We as women pamper our sons and husbands. We as women ill treat our daughters in law. We as mothers prefer killing our child rather than supporting her when she needs us most. We accept the fact that a daughter is the repository of the family honour whatever that means and that honour comes before the happiness of the one we carried in our wombs for nine months. And then, as in the case recounted above we accept silently the aberrations that we witness without screaming out STOP!

I guess everyone who has daughters is struggling to find the right way to bring them up. Another article in the same magazine entitled: The battle plans of feisty parents, depicts the way chosen by privileged families. I can be summed up in one word: paranoia that does not begin when your child enters her teens but right from the moment she enters school if not earlier as predators lurk everywhere. One mother says quite candidly: I am trying to have honest conversations with my daughters about the facts of life, about choices, and about practical things to keep yourself safe… good touch/bad touch, contact with strangers, contact with people-known-to-us-but-who-make-us-uncomfortable, trusting your instincts, paying attention to things around you when you walk on the street, taking karate classes, etcetera. My biggest dilemma as a mother of a pre-teen daughter today, especially in this last year that we’ve seen great public violence against women being reported, is ‘How do I explain sexual violence to her when I have barely begun to converse with her about the changes in her body and about sexuality in general?’ I do not want her to associate intimacy and sex only with violence.

Many issues stem from these words. First of all only a well educated and empowered mom can implement this approach. In my opinion there are very few mothers who can talk to their children comfortably and also realise that intimacy cannot and should not be associated with violence and fear. This takes care of a very small strata of our society but what about the remaining girls: the orthodox middle class; the under privileged class, the girls who live in parts of the land where honour overshadows all?

Communication is the key to all problems and what one sees little of is communication between parents and children. I am a child of the 50s and my mom was born in 1918 but from the time I can remember she had instilled in me the habit of telling her everything and in return had promised that she would never be angry, no matter what I did. She kept her word and I kept mine and thus we could communicate easily. If ever I did something she did not approve of, she would never scold me there and then but wait for an appropriate moment and then bring up the matter and listen to my side of the story. She had some strict rules and one of them in my teens was to tell her where I was going, with whom and what time I would be back. The deal was that I was not to be a minute late. Now Delhi in the 70s did not have cell phones. There were public phones but you needed the appropriate coins. I can never forget the numerous times when I have begged the manager of a movie hall to use his phone as the movie was longer and I would not be able to meet my deadline. If I was unable to inform her, I would give up whatever I was doing and reach home. This was just a aparte but the point I am making is that communication and trust are the two pillars parent-child relationships should be built upon.

But let us get back to the topic of we are discussing: safety of girls and women. There is violence within the home, violence at the work place and violence on the streets. This violence is perpetrated by men and women too. Maybe it is time we revisited the way we treat our sons. It is absolutely shocking to see boys being better fed, better educated, better cared for etc. We see this almost everyday in our centres. The world around us has changed and we need to look at these changes in the face and address them. It is time boys are not treated as mini gods but as regular kids. A parent in the same article sums this quite well. I leave her the last word: Leave aside what parents of girls are doing, what about parents of boys? For the situation to improve, there has to be a change in the way boys are brought up. Often if there is a daughter and son in the house, the daughter will make the bed while the boy watches TV. There are any number of examples in my family where men don’t pick up the broom or wash dishes. Teach the boys to do chores, [it’s as] simple as that. Then they will know that they are not special. And as far as sexual urges go, it is natural to have them, but if the girl says ‘no’, it is a ‘no.’ Be gentlemen, not animals.

Soar confidently in her own sky, whatever that may be.

Soar confidently in her own sky, whatever that may be.

She was born on October 1st, 1981! From the instant I held her in my arms and looked at a puckered face, I knew she was special. It was visceral and instinctive. I did not know what life had in store for us, but I knew that she was a soul sent to this world to change my life. Shamika was your happy go lucky child that would walk into any heart. She was full of fun and giggles and delighted us at every moment. Her smiles, her one liners that would surprise anyone, her hugs and kisses and her huge fan club  which was headed by her Tatu (my dad) and had members of all ages.The two of them were parthers in crime and shared many things in common, the first and foremost one being their love for food. On the way back from school there had to be a stopover at the bakery where she gorged herself and made me wonder why she was not eating her lunch. Both she and her Tatu had to fight a battle of the bulge! When he left us, she was 11 and took a long time to get over her loss.

There was also an elderly colleague from my Asian Games days who drove many miles to reach our house at the dot of 8 am with a bunch of bananas and then take her for a scooter ride where she sat backwards and buy her anything she wanted from the local grocery store. She just had to point and it was hers. It could be a treat, a shampoo bottle or some other irrelevant thing, but that did not matter to Dear Mr Parwana who loved this child in a way I have never experienced. He called her Choottu Ram and she did the same.

Shamika was bright and spunky child and we all thought she would sail trough school and university and walk the easy road.

But I told you that I had an intuitive flash when I first saw her and knew she was not the one to walk the trodden path.  Shamika had to take the road less travelled very early in life. School was not meant for her as she was all heart, and maths and logic had no place in her mind. But as a parent I had to push her from class to class not hearing her many cries for help. I stand guilty of having not heard for 15 long years. She bravely did her best, but her best was not enough for the systems that exist in our world. Somewhere along the way she had to bear a pain that cannot be healed, a pain that shattered the very foundations of her life. What followed were some terrible years when her life was thrown out of gear and she lived in a shadowy world that the young girl had built to protect herself. It would take many years for her to come out into the light again. She eventually did but left me wondering if I could have done more to protect her. I still live with this guilt and will probably carry it to my grave.

School was never meant for this child who only knew how to look at the world with her heart. When she ‘failed’ an examination by a single mark something happened in me and as I took her in my arms wiping her tears the mother’s instinct made me say the following words: You do not have to school again! Her whole body language changed and I could feel her gratitude in every cell of my being. The ball was in my court. But I stood firm and parried all the silly inanities family and others flung at me. I had my priorities right: first and foremost was my child’s happiness!

Shamika had always told me she wanted to work with special children. So I needed to find in this world where success is measured in certificates and degrees and not in compassion and empathy, a place where my child could reclaim her life. It was not easy as I trudged from NGO to NGO. But ultimately I found what I was seeking. Shamika was 15 when she began to ‘train’ at Action for Autism. I can never repay Merry for accepting her, as she gave my child a second chance in life. Shamika worked for 7 long years with autistic children and in Merry’s words she was like a fish in water. From an unpaid volunteer she became a paid staff! Then one fine day she decided to join me at project why where she looks after our special children with an rare passion and compassion ! The children love her and so does her team.

It is sad that in a country like ours hands down work does not count and though Shamika has spent 17 years working 6 days a week, she cannot sit for a special educator test as she does not have a class XII certificate. I must admit that if Shamika had walked the travelled road I would not have set up project why as in many ways she was my inspiration. I feel humbled and grateful as she is the one who opened my eyes to a whole new world I never knew existed and fell in love with.

Today Shamika is a stunning young woman who has dreams of her own, exceptional talents and a quiet strength that is often not revealed or accepted. My hope is that she finds her way to happiness and will stand by her till my last breath.

I will end with a quote that sums it all: What I want most for my daughter is that she be able to soar confidently in her own sky, whatever that may be.

Happy birthday dear child and thank you for having come into my life.

How many buckets in my ‘list’?

How many buckets in my ‘list’?

Ranjan’s cancer, let us call it by its name as I always feel that is the best way to put things in the right perspective, has had a bitter sweet side effect: time to make our bucket list(s). I must admit that I had often thought of bucket lists and even written about them. Rereading the one I made on April 15, 2010 made me smile and cry at the same time. It all happened when I stumbled on a website that gave reasons for why we did not make bucket lists in time. I will quote the reasons stated:

– you’ve probably never taken the time to figure out who you really are, let alone ponder why you’re here.

– you’ve even avoided doing what really matters to you because you didn’t want to admit to everyone that you’ve got a hole in your blessed bucket;

– maybe you’ve just convinced yourself that, by some miracle afforded by the fountain of youth, you’ll never have gray hair or lose it, or ever have to “kick the bucket”.

Those were happy days! Healthy days! Days when you did not even think that anything could go wrong. Or were they simply days of hubris. Anyway I did start making a bucket list of sorts. In those days my list sounded rather airy and a tad flippant and I quote again:

As I sat pondering at what I would write on that my bucket list, I realised that I actually have already begun one surreptitiously and that it has one big item looming large and named: Planet Why whose bye line should be: ensure that my work of ten years does not go waste and secure the lives of those God in his wisdom dropped my way. Whether Planet Why will be the green haven that will house my wards, or a cold bank deposit that will pay its monthly deposits, or something still unknown I do not know. All I know is that this is the most important thing on my bucket list. I could expand it in many ways: see that Manu his pals live with dignity till their last breath, see Utpal and his pals graduate with honours and become worthy citizens, ensure that as long as God permits hundred of children are given the skills and education needed to break the circle of poverty they are locked in and so on. Ambitious maybe, but a matter of life and death for me.

I would also have a small personal and somewhat selfish list: see my daughter settled and happy, write at least another book, see my grandson grow, take that long due holiday with my life partner, heal all unnecessary hurts, be healthy and brimming with energy and exit with a smile.

It sounded as if I was in control of the rest of my life and quite content.

Let us forward to 30 September 2013, 3 years after I wrote those words. Planet why is now a distant dream, Manu left me but lived his last breath with dignity so that is a big check on the list; Utpal is fighting demons I could have never conjured in my hubris, and project why is thriving on the field on  very fragile foundations.

Never in my wildest and worst nightmare would have I thought that the opening lines of my personal list would be: see Ranjan survive his cancer! Cancer was banned for those I loved, it had claimed too many and I would have only accepted it if it were to hit me! So though all the other items on my personal list remain intact, they are now overshadowed by the arrival of Mr H and by the battle to boot him out. Everything becomes dependent on my victory.

But there is the other list. The one that concerns my extended family: my precious and adored team (even the ones that may have been troublesome or even hurtful) and my children present and future as God has given me the blessing of adding on kids by the day. No nine months here! All that is needed is a big heart and that is something I have. Here again I will make sure that hubris does not blind me. Planet Why will not be the fancy structure that would have raised funds and empowered communities. But planet why in its new avatar will certainly continue the dream, truncated, diminished but still very much alive.

This is probably, after resettling Utpal ( and the process has begun), the item number one on my project why bucket list. My thoughts are still hazy and vague but the idea is to find a small piece of land close to the women centre and near a legal resettlement colony and build a small centre. This will be made possible when we sell the land we had bought for Planet Why avatar 1! The appreciation and size of that land would make it possible to buy and build a smaller project. Of course it will built in the model Laurie Baker had created for slums! We will build as much as we can and later the succession can raise money to extend the building room by room!

The next item is more tricky as the funding model we have is fragile and dependent on one person. The miracle would be an Angel willing to place a certain sum of money in a trust fund. The capital would remain theirs and we would run with the interest. This is wishful thinking but I know the God of small things is listening. I also know he will test me before deciding to send me an Angel or not! In case of the later, I will just have to believe in the maxim: The King is dead; long live the King. At lest the new kind will inherit a building and the goodwill I have garnered over the years.

This is where I stand today with a small petition to all those who have helped, trusted and believed in me: please send a little prayer up in the sky to see that my bucket list is completed in time.

I will again end this post with George Bernard Shaw is poem which says it all:

True Joy of Life

This is the true joy of life.
The being used for a purpose
Recognized by yourself as a mighty one.
The being a force of nature
Instead of a feverish, selfish
Little clod of ailments and grievances
Complaining that the world will not
Devote itself to making you happy.
I am of the opinion that my life
Belongs to the whole community
And as long as I live,
It is my privilege to do for it
Whatever I can.
I want to be thoroughly
Used up when I die,
For the harder I work the more I live.
I rejoice in life for its own sake.
Life is no brief candle to me.
It is a sort of splendid torch
Which I’ve got hold of
For the moment
And I want to make it burn
As brightly as possible before
Handling it on to future generations.
I chose this picture because I know God listens to children

A matter of honour

A matter of honour

There are many definitions to the word honour:  high respect; great esteemthe quality of knowing and doing what is morally right and so on. The juxtaposition of the words honour and killing is an aberration as to my mind, there is no honour in killing whatever the circumstances. However honour killing has also a dictionary definition: the killing of a relative, who is perceived to have brought dishonour on the family. The reality is that the relative is always a girl or a woman. This is patriarchy at its best. I do not know who or why someone decided that the honour of the family lay on the fragile shoulders of women and should she deviate then her won blood and flesh had the right to kill her.

A gruesome incident occurred some days ago just 80 km from the glitz and glamour of our capital city. A young girl who fell in love with the boy ‘next door’ was lynched and murdered and her friend beheaded by her own parents. Their crime was falling in love within the clan, a social taboo for people from this part of the planet. And clan is so largely defined that one would lose one’s way trying to find the blood line. The young couple had fallen in love something that is natural and often unforeseen. They knew that their families would not approve so they eloped to Delhi hoping I presume to get married. However the girl’s family called them back under false pretences and killed them in the most barbaric way. This was no on the spur killing in a fit of anger, this was premeditated. The punishment and execution were meted in public and the boy’s headless body left for all to see! This happened in 2013 and not in some medieval time. The sad reality is that this happens more often than we can imagine. The power of village kangaroo courts is higher than the highest court of law. The father, mother and uncle of the girl have been arrested but they show no remorse. In their book honour is greater than the life of the child you brought into this world.

I think that of all the ills of a patriarchal system the one that has to be denounced and condemned is the one that makes a girl the repository of a family’s honour. Maybe it is because God gave us the child bearing burden thus making us most vulnerable. I guess a man can sow many seeds and get away with it. If a son strays, it is taken as he being macho or just a boy. And any way is it not us women that are supposed to entice poor innocent lads by the way we dress, look, walk etc. How does a one year old do that is hard to imagine. Maybe diapers are sexy!

In a country where women are worshipped by the very men who kill their daughters and where people a campaign against violence against women shows bruised Goddesses, I am at a loss to comprehend what goes into the minds of parents when they commit such brutal acts against their own blood and flesh. And what makes it worse is that these are not committed in fits of rage but planned and executed with precision in public. What honour there is in killing your own child.

What is scary is that this practice is accepted by society in these areas where kangaroo courts hold such power and the law of the land comes a poor second. True some have been arrested, but those in their clan they are heroes who had the guts to murder their own in the name of misplaced honour. Local politicians are against having a different and harsher punishment for honour killings.

Local politicians who want to retain their seats defend such crimes. The Chief Minister of the state in question even went on to say that the (in)famous khap panchayats had no role in this gruesome killings. In India capital punishment is meted out to what is called ‘rarest of the rare’ crimes. Beating your won child to death and decapitating the one she loved is in my book the rarest of the rare. But justice has many loopholes and protracted trials before justice is meted out. It is far from being the deterrent needed for such barbaric acts.

Laws against social aberrations, or efforts to change mores and tradition, will be slow to take off. Education is the only way out and that will take time. If a belief that you can kill your child if she dares to marry in the same clan, is so deeply ingrained that murdering your own child is acceptable, then this is a long battle that cannot be won with a few reactions or shouting matches in TV debates. This is the pinnacle of a patriarchal society where women have no voice. Remember these are people who come up with ludicrous explanations for these deviations: eating chowmein, or banning porn sites.

To be able to kill your own child needs very strong beliefs. So what we are up against is something deeply rooted in the minds and psyche of these parents. When our children fall in love with someone we do not find ‘acceptable’, we reason with the child or just give in as to us our child’s happiness is far more important than traditions that seem obsolete and jaded. For us it is happiness against social acceptability and happiness wins hands down.

Many more young couples are going to face the wrath of their families if they ‘dare’ to love someone from their clan before we can find a way to prove the inanity of such customs. The clan or gotra issue is passé. Brahman are also supposed not to marry within their clan, but descendants we owe alliance to are the 12 rishis who lived eons of years ago. Their is no real bloodline, just some social diktats made by priests for reasons they know best. I think an AIDS blood test before marriage is a more sensible idea!

Honestly.. I am aghast

Honestly.. I am aghast

Today one of the front page headline in a leading newspaper is: Rivals allege ‘dirty tricks’ as Delhi Gymkhana polls turn ugly. I am aghast and perturbed. In our country as vast as ours with manifold issues that need urgent solutions, the elections of a la-di-da club I personally boycott though I am a member (will tell the tale later in the post) is in no way, in my non page 3 mind, national news. I am sure there is a lot happening in our city and country that warrants space on the first page after of course the larger than life ads. I must confess I have had to relearn reading my newspaper and am still not comfortable with these new advertorial front pages. That two candidates were seen dancing together is of no interest to me. The only thing that caught my eye was that there is a woman candidate and probably this is the best opening for my insignificant, and yet empowering to me, story.

The husband applied for membership of the club just after we got married. Then it was oblivion for 20 years. I had forgotten about the issue as I am not a club going person. One day a letter arrived. It was an interview letter that would decide if we were ‘worthy’ to be member of this hallowed space. I read the letter and one sentence jumped at me. It said: your spouse is expected to attend! The dormant feminist was up in arms and I told the husband there was no way I would go as I was not an object to be paraded, nor did any one have the right to expect me to do anything.

The interview was a few days later and I guess my better sense prevailed as I did not want Ranjan to miss the boat because of my high handedness. I however swore to never visit the club and have more or less stuck to my decision. The fateful day dawned. The get together as it was called was at 5pm. I would have liked to go in my frayed jeans and t shirt, but again I did not want my behaviour to spoil his chances so I wrapped myself in a sari and even painted my face and sprayed expensive perfume. Had go play the role. We were taken into what seemed an open enclosure. There must have been a dozen couples all in their Sunday best. We stood there like cattle at a fair waiting to be appraised. There was no tea or even water to drink and of course not a single chair. After some time a posse of men arrived and began the assessment process. Each wife dutifully stood by her husband. The forbidding looking posse would stop at every man and exchange a few words while we stood in silence. I guess they looked us up and down but we were neither introduced nor acknowledged. One felt like cattle at a cattle fair. Blissfully Ranjan got his coveted membership and I have rarely set my feet in that place.

But let us come back to the front page article. I am really astounded that such petty news should make front page. I know the club members read like a who’s who of Delhi, but honestly is is front page news. I know spicy and gory news increase readership, but who do the on goings of a vestige of the Raj which concerns a minuscule speck of our population, interest. But Darling this is India and nothing should shock you.

Newspapers have a role to play and it should be a responsible one. They can increase awareness and make people answerable. When in was elected citizen one by a leading media group way back in 2005, I had suggested to the editor of the news paper to run a column every week whereby they would follow the work of the one that had been honoured and make sure that they walked the talk. You guessed right, my mail was never answered.

There is a role that newspaper can play and that would be very positive. In a country where children still die of hunger everyday, where social programmes remain on paper, where promises made to the highest Courts of the land, responsible papers should not stop at reporting the horror stories, but go a step ahead and follow the story. I may not be clear so here is an example. If an aberration occurs in a midday meal programme then it would be nice to have an audit of all the midday meals in the city and those running well should also be highlighted and applauded. So many ‘stories’ make the India wants to know prime time show. India does want to know but is never told. So India wants to know many things but certainly not the on goings of a club election!