The Blind Man

[The Blind Man @vikrantsingal]

@KS1729 Didn't get the streptococcus reference. How's the idea of God linked to the bacteria?

[The Blind Man @vikrantsingal]

@Hindi_Kavitaa Timing :-)

[The Blind Man @vikrantsingal]

@thedelhiwalla Very nice. Wonder if it can be enlarged and printed

[The Blind Man @vikrantsingal]

@ks1729 Is the second book coming? It's been a long time....

[The Blind Man @vikrantsingal]

@position_trader One of the meanings of 'dukkha' might be that we humans lack true agency. Anything and everything that we do is the product of our conditioning from the past. We are not free. We are 'attached' to our past actions, thoughts and emotions. We don't truly live in the present. 🙏

[The Blind Man @vikrantsingal]

@position_trader Thanks for the video. I agree with you that the word 'suffering' is really misunderstood in the context of Buddhist thought.
But let me posit that suffering is also not discontentment. Both suffering and discontentment are finally the product of the mind's judgement.

[The Blind Man @vikrantsingal]

@thedelhiwalla Nice! Is this a private visit or is there any public event planned with her also?

[The Blind Man @vikrantsingal]

@KS1729 I really enjoy and learn from your twitter feed. Thanks. for posting all the stuff you do.

[The Blind Man @vikrantsingal]

@sidin It is a fake name. We can pronounce it how we want...

[Anand Kr Shaw @AnandShawKr]

₹50,000 premium. ₹15 lakh coverage. ₹0 peace of mind.

India's health insurance system is broken. And no one's fixing it.

Let me tell you what happened to my family last week.

My wife needed gallbladder surgery. We have HDFC Optima Secure with @HDFCERGOGIC . We've paid premiums for years. We did everything right - got cashless approval, chose a network hospital (@ManipalHealth Whitefield), followed every process.

On 26th Dec, I received the settlement letter:

"Amount to be paid by insured: ₹0"

Surgery happened. It went well. She was recovering. We were ready to go home.

The hospital refused to let us leave.

Despite holding a valid insurance document that said we owe NOTHING, they wouldn't discharge a recovering patient. My wife sat in that room - tired, in pain, wanting to go home - while I begged at the billing counter.

We were only "allowed" to leave after I blocked ₹X,XX,XXX on my credit card.

A patient. Held hostage. In a hospital. In India. In 2025.

Then on 30th Dec, magically, a new settlement letter appeared:

"Amount to be paid by insured: ₹X,XX,XXX"

Same surgery. Same bills. Same everything. But now I suddenly owe lakhs.

Here's how the trick works:

The hospital bills ₹5.8L. The insurance company says "we have an MOU with the hospital, agreed package rate is ₹1.9L." So they settle for ₹1.9L.

The remaining ₹3.9L? "Patient to pay."

But wait - the MOU is between the hospital and insurance company. The "agreed package rate" is THEIR agreement. Why is the patient paying the difference for a deal they negotiated?

The letter was updated AFTER we left. The hospital and insurance company sorted it out between themselves. The patient? Just a pawn in the middle.

Both letters say: "No amount to be collected from insured"

Their own words. Their own document. Exposed for what it is - meaningless paper.

This is not a one-off incident. This is the system working exactly as designed:

→ Insurance companies collect premiums for years, then find ways to deny or reduce claims → Hospitals inflate bills knowing insurance will negotiate down, and patients will pay the difference → Patients are trapped between the two - too exhausted to fight, too scared to refuse → IRDAI exists but is reactive, not preventive - they'll act after you file a complaint, not before you're harassed
Where is the protection for patients?
Where are the regulations that say a hospital CANNOT hold a patient hostage for payment disputes?
Where is the accountability when an insurance company issues two contradictory letters and expects the customer to just figure it out?

We pay GST on premiums. We pay taxes. We fund the regulators. And when we need help, we're left standing at a billing counter, blocking credit cards to take our family home.

I've filed a complaint with @IRDAI_official. I have every document. I'll fight this.

This is not customer service failure. This is systemic exploitation.

@HDFCERGO - honor your own document. Claim: RC-HS25-15349896_1 Policy: 2856205638548200

@IRDAI_official - regulate before patients are harassed, not after.

@JPNadda - health insurance is not a luxury product. Millions of Indians depend on it. The current system is failing them.

@raghav_chadha Need your help to raise this insurance scam in parliament.

[The Blind Man @vikrantsingal]

@position_trader It's ego all the way through.....

[The Blind Man @vikrantsingal]

@Paperclip_In @threadreaderapp unroll

[The Blind Man @vikrantsingal]

@ks1729 Has the second book in the Dharma trilogy come out?

[The Blind Man @vikrantsingal]

@sidin Superb!

[The Blind Man @vikrantsingal]

@Hindi_Kavitaa ख़ुशी से भी...

[The Blind Man @vikrantsingal]

@sidin good Hindi for a Malyalee

[The Blind Man @vikrantsingal]

@sidin awesome....

[The Blind Man @vikrantsingal]

@jsensarma My grandfather used to see some of these guys too. Nabz-pakad is an oversimplification. While they read your nabz, they also carefully observe your skin, hair, teeth, breathing, posture etc. Then they would ask about your urine, stool, sleep and other physical characteristics.

[The Blind Man @vikrantsingal]

@position_trader Very true, insightful and well written...

[The Blind Man @vikrantsingal]

@jsensarma Would a missile strike not leave evidence on the ground - metal pieces etc.?