How One Serious Illness Can Make You Go Bankrupt

Avon Healthcare | Inside Life
May 7, 2019

You’re one health emergency away from going bankrupt in Nigeria.

  • – Some human on the internet

In that human’s defence, they’re not wrong. But we’re not here to just tell you that that statement is correct, we’re here to show you why. With facts.

Strap yourselves in ladies and gents, it’s going to be an eye-opening ride..

But first, here’s a fun fact:

It affects over 17,000 Nigerians annually. As the name implies, the disease destroys the kidneys, leaving the sufferer to depend on mandatory dialysis sessions 3 times a week to clean the blood. (Stuff the kidneys should be doing.) The cost for one dialysis session ranges from ₦17,000 – ₦25,000. These sessions will go on until one finds an organ donor and when that happens, the transplant will cost at least ₦6.5 million.

The annual salary of the average Nigerian we mentioned earlier doesn’t even come close to being able to cover everything we just went over.

Let’s go with another chronic illness:

Hepatitis C is a viral infection that causes liver inflammation, sometimes leading to serious liver damage. About half of people living with Hepatitis C don’t know they’re infected, mainly because symptoms can take decades to become apparent i.e. when the virus has done near irreversible damage to the liver.

At this point, the infected would need a liver transplant to survive, which costs millions of naira.

Another chronic illness:

When most people are told by their doctors that they are diabetic, their first instinct is to self-medicate with traditional concoctions without actually reducing their sugar intake. What they don’t realize is that their diabetes may have already gone far beyond what mango leaves boiled in hot water can solve.

Then the symptoms escalate.

Diabetes can cause heart attacks, strokes, blindness, etc. The price of diabetes medication keeps going up, and then there are those who need daily insulin injections or tablets.

In severe cases, diabetes can lead to lower limb amputation. This procedure costs nothing less than ₦3 million.

If you think you don’t need to worry because the above illnesses aren’t that common, here’s one that’s a lot more common than you think:

Appendicitis (the inflammation of a finger-like projection of the large intestine called the appendix) is a medical emergency that requires prompt surgery, and If not treated on time, it may rupture, spilling poisonous content into the abdominal cavity and the bloodstream. This will lead to death.

Appendectomy (the surgery required to remove an inflamed appendix) is said to be the most common abdominal surgical emergency, and it is said to occur in all ages. The cost of an emergency appendectomy can range between ₦150,000 and ₦250,000.

People with illnesses like the ones above start with self-funding. When they inevitably run out, they turn to friends and family for assistance before the next level.

Crowdfunding.

Now, no one hopes to fall sick, but the fact is that it’s a part of life. Until technology gives us the ability to transfer our consciousness into android bodies, the best we can do is give ourselves a fighting chance.

With health insurance.

Health insurance protects you from unplanned medical expenses. It helps you pay for doctor visits, hospital stays, prescription drugs, important preventive care and other medical needs. You can choose from a variety of health insurance plans with different levels of coverage to fit your needs and budget.

The following images have been created as a way to further illustrate how health insurance plans can benefit you:

You might be the epitome of health right now,  but the idea is to be prepared for any illnesses or accidents that may occur in the future.

Remember, unlike Superman, you’re vulnerable.

Sponsored by
Avon Healthcare

Join The Conversation

Bring a friend.

You'll like this

Watch

Now on Zikoko

leaving their ex
June 18, 2021

Sometimes we get overwhelmed and make decisions we later regret. In this article, seven Nigerian women talk about why they regret leaving their ex.  Tomisin, 25 My ex used to send me not less than 50k every month.  He moved abroad and after two months, he told me he has fallen in love with someone […]

June 18, 2021

People love us for various reasons. Take this quiz and we’ll tell you what your friends love most about you. Relationships can be hard, and sometimes you just need someone to give you a bit of advice. Ask Ozzy is our new advice column where you send Zikoko the relationship questions that have been bugging […]

June 17, 2021

While smart investing is a sure way to build and retain wealth, it can be a daunting prospect for beginners. In the same vein, it is a lot easier when you understand the various options in which you can invest and ultimately grow your wealth. Here are some options you can consider when taking the […]

Recommended Quizzes

November 19, 2019

Regardless of what society has tried to tell us, enjoying sex is not something to be ashamed of. So, in a bid to celebrate our generation’s sexual agency, we’ve created a quiz that will accurately (again, keep your complaints to yourself) infer how many people you’ve spelt with. Try it out: 11 Quizzes For The […]

November 4, 2019

After successfully predicting when y’all are getting married (please, email any complaints to noneofourbusiness@nayousabi.com), we are back to tell you how much is currently in your account. How, you might ask? By using your taste in Nollywood, of course. Shhh. No questions. Just take it already:

October 10, 2019

2019 is certainly Burna Boy’s year, but, if we are being honest, so was 2018. Since his transcendent mixtape, Outside, the afro-fusion star has refused to get his foot of our necks — dropping a string of fantastic singles and then capping it all off with his career-best album, African Giant.  So, in a bid […]

November 28, 2019

There are so many talented and stunning Nollywood actors that make it hard not to fall in love with them. So, while we all know the likelihood of us ending up with any of them is super low, it’s still fun to imagine a world where we actually stood a chance, and that’s why this […]

More from Inside Life

June 17, 2021

Femi*, 26, and Yemisi*, 25, have been dating for two years. Today on Love Life, they talk about helping each other grow and be better people and how the lockdown helped them transition into a long distance relationship. What’s your earliest memory of each other?  Yemisi: In November 2018, I asked people on my Twitter […]

June 16, 2021

Quotes about money- If you’re a Nigerian and you think about money a lot, this post will make you laugh a little. We scoured the internet for quotes about money that Nigerians can relate to. Enjoy, and try not to cry. 1. “I’m so poor, I can’t even pay attention.“- Ron Kittle This is a […]

Thick thigh problems
June 16, 2021

Thick thighs save lives started as a body-positive slogan, and while it has made people a lot more confident about their bodies, it’s not all rainbows. We’ve highlighted a few thick thigh struggles in this article. 1. Your jeans always get ripped You’ve long realized that you can never have a favourite pair of jeans […]

June 15, 2021

As a Nigerian, sometimes you need to remind yourself that you are in the best country in the world. 1) We have delicious suya and kilishi Regulate open grazing? No. Ban Twitter? Yes. Ban Cryptocurrency? Yes. Why? Because Suya and Kilishi >>>>> Technological advancement. It’s quite simple really. 2) “Over raw” best in world rankings […]

June 15, 2021

Adulting is a scam and anyone who’s above 18 can attest to that. We are all tired of the daily ghetto adulting is, which is why we’ve come up with very helpful tips on how to escape it: 1.Change the year on your date of birth. Are you really an adult if the government doesn’t […]

June 12, 2021

Sex Life is an anonymous Zikoko weekly series that explores the pleasures, frustrations and excitement of sex in the lives of Nigerians. The subject of today’s Sex Life is a heterosexual 25-year-old man who became obsessed with penises when he realised his penis was small. He talks about how having a small penis affects his […]

June 11, 2021

Whether you’re new to the ZiGeng, or you’ve been rocking with Zikoko since forever, there are some pretty valid reasons why giving us all your money (it’s not as if we like money oh, but who are we to say no if you actually decide to go all in?) is worth considering. 1. We make […]

Watch

Trending Videos

Zikoko Originals

December 14, 2020
What happens when a group of chatty young Nigerians talk about things they're passionate about? You get Nigerians talk. A show that discusses very familiar struggles for the average Nigerian. From relationship deal breakers to sex education with Nigerian parents to leaving Nigeria, be prepared for a ride.
November 2, 2020
'The Couch' is a Zikoko series featuring real life stories from anonymous people.
October 26, 2020
A collection of videos documenting some of the events of the EndSARS protests.
June 22, 2020
'The Couch' is a Zikoko series featuring real life stories from anonymous people.
June 22, 2020
Hacked is an interesting new series by Zikoko made up of fictional but hilarious chat conversations.
June 4, 2020
What happens when a group of chatty young Nigerians talk about things they're passionate about? You get Nigerians talk. A show that discusses very familiar struggles for the average Nigerian. From relationship deal breakers to sex education with Nigerian parents to leaving Nigeria, be prepared for a ride.
June 2, 2020
Quickie is a video series where everyone featured gets only one minute to rant, review or do absolutely anything.
May 14, 2020
Isolation Diary is a Zikoko series that showcases what isolation is like for one young Nigerian working from home due to the Coronavirus pandemic.
March 12, 2020
Life is already hard. Deciding where to eat and get the best lifestyle experiences, isn't something you should stress about. Let VRSUS do that for you.

Z! Stacks

Here's a rabbit hole of stories to lose yourself in:

Zikoko amplifies African youth culture by curating and creating smart and joyful content for young Africans and the world.
X