My office just instituted a new health program, that offers points towards healthy habits (exercising, eating right, etc) in an effort to keep costs down. Overall it makes sense and seems to be a fairly intelligent program. But there is one thing about it I find just a little odd.As part of an overall introductory questionnaire, each participant states whether or not he or she smokes, drinks, or wears a seat belt.
It's the seat belt question that has me puzzled. My first thought is, who in their right mind would say that they don't? But then my second thought is, why does it matter? Okay, I realize that my ER bill is going to be that much lower if I'm in an accident wearing your seatbelt as opposed to, say, being launched through the windshield of my Subaru headfirst into the nearest jersey barrier. I get that. However shouldn't the question perhaps dig a little deeper, and find out a little bit more about my driving habits themselves? For example, do I text while driving? Do I cut people off? Do I check my email at stoplights? Do I like to adjust my eyeliner in rush hour stop-and-go traffic? Do I enjoy the occasional McDonalds' hamburger with a hot coffee held between my legs and greasy fries in the cup holder while cruising at 70 miles per hour down the interstate at four in the morning? I mean really, just because I wear my seat belt, that doesn't mean I'm a good driver. Shouldn't the question be, "do you drive like a maniac who's late for a movie?"
1 comment:
I suspect there's a good number of cases where the ER bill will be a lot lower if you are not wearing a seatbelt. Health insurance doesn't cover funerals.
It's probably just a statistical thing. The people who do answer no are probably ones you don't want to insure at all. Or if you're offering a group rate to a company, you can jack up the rate because you have either crazy people or wise-asses. Just like homeowners insurance asking if you have a trampoline. A single random, perfectly legal thing, that apparently causes lots of accidents.
Post a Comment