They say that if you want to grow old, you should not smoke, always wear a seatbelt and pick your biological parents wisely.
The only deadly illness that ran in my family was Zyklon B. I use public transportation but when I sit anywhere in a vehicle that has safety belts, I use them. And let’s say I don’t smoke, don’t drink alcohol, don’t overeat, don’t snack or nash junk foods, don’t drink or eat caffeine, never use painkillers, tranquilizers or sleeping pills, go to therapy regularly, eat strictly vegan with lots of veggies, use only olive oil, don’t sleep around, sleep enough, eat whole-flour bread with peanut butter without salt or sugar, add no hot peppers, salt or sugar to any dishes, eat whole pasta and rice, be active and move around all day, never watch TV, work out, have an ideal body weight, blood pressure and sugar, I believe in G^d and the high Ideals and Directives of Judaism and I pray regularly — all things that are very good for one’s health (about 2 I are lied here).
Then, why should I pay the same premium as someone who chronically chooses to travels by car and without safety belt, to smoke, drink alcohol, overeat, eat sweets and junk foods, drink and eat chocolate, coffee, tea, and cola, constantly use painkillers, tranquilizers or sleeping pills, go to therapy regularly, eat meats, eggs, milk, fish, and honey, eat veggies only as decoration, use bad oils, sleep around, sleep too little, eats white-flour bread with jam, salami or cheese, add hot peppers, salt, and sugar to all dishes, eat white pasta and rice, sit or stand all day, watch TV, never work out, and is greatly overweight and has a high blood pressure and sugar, do not believe in anything ethical and certainly do not pray — all things that are detrimental to one’s health?
I asked my health fund. And this is what the lady at my branch said: What has your lifestyle to do with how much you pay? (She actually said: “Mah kesher” which translates as “So what?” Spoken Hebrew is very efficient.)
For 25 years, I paid my health fund monthly some NIS 100 for additional coverage. Your doctor’s visits are then free, you get some discounts here or there. But suddenly it dawned on me that I paid them NIS 30,000 and received maybe NIS 2,000 in perks. No more.
Now, I pay for (hardly) any doctor’s visit and get almost no discounts on vitamins — and still, I pay less. Sure, your health fund will pay 50% of dental work but only after you paid them thousands of shackles premium. No more. It’s high time that, with my lifestyle, they start paying me.