Medical insurance and the invincibility fallacy

Philip Cu Unjieng
For years, I’d be paying my annual medical insurance premium, and wondering at times, whether it was worth the expenditure. The present plan I’m subscribed to is the Global Health Access of AXA (partnered with Avega and Intellicare); and it’s a plan I chose back then because after the agreed upon deductible, it covered all in-patient hospital expenses, and had me covered even when traveling abroad (except in the USA). Pre-pandemic, we all travelled a lot, and I thought this plan was the right one for me.
As I started with the plan right before I turned senior citizen, you can imagine the premium I was paying was no laughing matter. For years, the only thing I’d get reimbursed for was the executive check-up I’d undergo annually. Given that up to January of 2020, the check-up results would paint a rosy picture of my health situation, when it came time to renew in September of 2020, with my financial resources greatly reduced because of the pandemic and travel a bygone experience for now, I’ll confess that I was procrastinating on whether to renew the coverage. Call it

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