Insurance Against Surgical Operations

1902

In England people of moderate means are beginning to insure themselves against surgical operations. The plan is that subscribers who pay an annual fee shall be entitled either to free admittance to a hospital or nursing at home and a free operation or to a fixed sum paid down to defray the cost of an operation if one becomes necessary.

In England, as here, the cost of surgical repairs to the human body has become oppressively great to persons who just manage to pay their way. People who are obviously poor get a great deal of excellent surgical and medical treatment in hospitals and elsewhere for nothing, but for the next class above them a serious illness — especially if it involves an operation — is almost ruinous. It would seem as if the time was near when societies for insurance against specialists might be profitably organized in the larger American cities.

The specialist has come to be a very important — indeed, an indispensable — institution, especially to families in which there are children. The office of the family doctor has now become simplified to the task of coming in and telling the patient which specialist to go to. It is not that specialists charge too much, for their honorable services are above price. It is that landlord, butcher, baker, grocer, milkman, coalman, dentist, and trained nurse do not leave you money enough to pay them appropriately.

To subscribe a considerable sum annually and have all the repairs and desirable improvements made in one's family without further disbursement would be a comparatively simple way out of a troublesome predicament. — Harper's Weekly.