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

January 18, 2022

Apart from not being able to find shoes their size, tall Nigerian women often deal with comments like “you are too tall for that dress” or questions like “will you marry a short man?” In this article, Chigozie talks about how to be a tall girl in Nigeria. 
Read here:

Recommended Quizzes

June 14, 2020

Have you ever been with someone so horrible that you swore to never date again? Yes? Well, do you know that one or more of your exes probably feels the same way about you? You never thought about that, huh? Thankfully, this quiz is here to let you know just how much of a hassle […]

November 15, 2019

There are two types of people in Nigeria right now: those who are proud Marlians, and those who are still in denial about stanning the divisive star. So, for those who proudly wear the Marlian tag, we made a quiz to test how well you really know Naira Marley. If you get more than 6 […]

More from Inside Life

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