Getting past the shadows of the past

Lamenting about the loss of a time in the past is generally considered futile and a part of the natural wistfulness of a fogey about to be permanently archived. The values and the culture people were then comfortable with could at best be a historian’s curiosity and is certainly ineligible to provide a relevant perspective to our present-day attitude or demeanour.

In terms of the rapid changes occurring in the recent times in India and even in the neighbouring countries, fifty or hundred years are a long time in the past indeed.  A writer in The Hindu Sunday Magazine section (dt 3^rdAug 2013) first wonders aloud as to why there is hardly any celebration (official government sponsored or otherwise) on the occasion of the birth anniversary of an once famous Hindi short story writer and novelist Munshi Premchand, and then finds the answer in the innate disconnect between the values of the writer and his contemporary readers. On the one hand Premchand appears too rooted in his times and the society (largely that of villages and small towns of India of late nineteenth and early twentieth century) that appeared almost static and immutable. An India that almost seems to be too primitive and remote, hence not of much relevance to today’s ‘shining’ India. The young readers today are certainly far removed from the mileu Premchand described and was concerned with and hence are probably unenthused about his work (many may not have even heard about him). What might have additionally contributed to the quiescence is that he is not uniquely identified with or appropriated by any currently dominant political constituencies like dalits, scheduled castes and tribes or the Muslims or the women, although much of his writings held up a mirror to the caste oppression and the plight and the position of women in the Indian society with unmistakable empathy for the downtrodden.

Ironically, while The Hindu magazine writer entitled his article ‘Cast into the shadows’ referring to the fate of  Premchand, one has the uneasy awareness about the dark shadows of worst forms of cast discrimination being insidiously continued and ingenuously revived in much of the dark hinterland behind the neon shine of the progressive and contemporary India. Undermining of women’s rights and position in society is continuing unabated despite big charades of government-initiated tokenisms perpetuated by power-hungry politicians of all hues. If anything, the humiliation of women have become much more open, brutal and ubiquitous. Are we sure we are getting out of the shadows of our past ?

By a curious coincidence, in another page of the same Sunday Magazine, there was a discussion with Tash Aw the acclaimed Malaysian writer discussing the context of his recent   novel “Five star Billionaire” (that made to the Booker Prize long list), that of Malaysians migrating to Shanghai seeking to change their life, make a fortune, pretty much with the same motivation that drives much of the voluntary migrations within and from the post-colonial Asia. But, Tash makes the point, coming out of the shadows of a stagnant underdevelopment in the native country and embracing the new, the glittering, the desirable, has not always been easy despite valiant and somewhat tragic effort. To quote from his analysis of the problem, “I think that there’s a tendency in many Asian cultures to be very ruthless with the past, both in a national and a personal sense. Partly this is because our recent histories have been difficult narratives to deal with; often involving upheaval, violence and, above all, the lingering and badly-articulated humiliation of having been colonized, or defeated in some sense. So we tend to focus on the shiny new ‘Now’, in which our countries are on an upward curve, certainly in a material sense; the past is at best irrelevant, at worst a bit shameful. Which means that we cut off parts of our narratives and, in so doing, cut off our emotional roots.” According to him Asians in countries like Malaysia, Singapore, China have generally found it difficult to deal with their past in an honest and rational manner with the desired detachment despite pretending to do so. That in some sense is also true about Indians in India and those described to be the diaspora Indians.



Morally ambiguous choices in governing a democracy

Life in India today often presents one with a difficult and morally ambiguous choice. Proscription of illegal and environmentally dangerous sand mining, quarrying etc which is rampant today in many parts of India may be the ‘right’ action on the part of the government, if and when it chooses to do so. But outlawing and putting effective curbs on this pernicious practice might result in two economic consequences. It is known that thousands of trucks are being used in transporting these illegally mined sand to the end users – mainly building contractors – and sizable number of workers are being used for mining as well as for loading, unloading, transporting this commodity. Curbing illegal mining would also mean loss of job for many directly connected these activities.

Secondly, there is a spurt over the last couple of decades in the infrastructure development and other building (residential, commercial) activities, which are directly related to urban prosperity and economic growth in the country. The latter is also responsible for employment generation to some extent, the argument about ‘jobless growth’ notwithstanding. The spectacular rise in the demand of sand is at least partly occasioned by the contractors’ profit motivation which gets its legitimacy within the prevailing dominant capitalist worldview sweeping the country’s corridor of power. Irrespective of whether one agrees with that worldview or not and even if one chooses to say yes to the moral imperative of saving river beds, lands, forests from the predatory and patently illegal mining, it is difficult to ignore the immediate negative impact of curbing the sand mining on the employment, apart from the loss of revenue (in the form of royalty) to the government

This question is symptomatic of much of the current and larger debate in the country : how can the economic development and growth be achieved without letting capital a free hand (or through enabling governmental actions including legislations) in acquiring land (and also forest lands if required), mineral deposits, spectrum for telecommunication and many such resources on its own terms. And how can that be balanced with possible or potential damage to the environment and natural resources, curtailing of rights of the tribal communities, workers and farmers in general.

Can we endanger our natural resources by allowing wanton exploitation in the name of economic development and growth ? The aggressive sand mining in the riverbeds or banks are being held responsible by many experts for changes in direction of the natural course of a river. But the ‘animal spirit’ of the builders of the new India, the ‘growth constituency’, would be dimmed if their voracious appetite for sand is not met at a rate of their choosing. As a result, we are told, there would be no modern roads and expressways connecting our burgeoning cities and towns teeming with little entrepreneurs, the promoters and the contractors of construction projects throughout the length and breadth of urban India. How will, then, the new and massively architectured slick glass-and-concrete office buildings, call centers, back offices and other commercial complexes, shopping malls come up at the rate at which Indian and foreign investors would like it so as to be competitive in the global market ?

A couple of months back, many parts of the state of Uttarakhand were visited by unprecedented rains, cloudburst followed by tear-away flash flood that caused landslides and brought about an avalanche of mud water, boulders, uprooted trees that practically erased many of the ‘Chardham Yatra’ routes and caused death and disappearance of thousands of pilgrims. In the process the flooded rivers also destroyed much of the mushrooming external economy – the hotels, guesthouses, restaurants, shops that have grown not only along the routes, often precariously constructed and perched on slopes or unsound foundations, but sometimes also right inside dried up river beds around the shrines. As watched on television by millions through out the country, these constructions came down like a pack of cards during the deluge in Uttarakhand. In course of the media-led postmortem in the aftermath many well known facts came to be highlighted about utter illegalities, flouting of norms, collusion with local municipal authorities or government administration looking in the other direction apart from sheer ignorance and lack of awareness about the impact of widespread and unregulated building activities in this eco-sensitive region (like causing blockage of the normal flood plains of the rivers like Mandakini).

All these were allowed in the name of growing business activities, prosperity of the locals feeding on the religious tourism. It is undeniable that the tourism in Uttarakhand, especially that related to religious pilgrimage, provide livelihood to a sizable population of the state. In view of the widespread damage to the trekking routes and the infrastructure in and around temple towns this substantial loss of jobs would be definitely an important motivation for reconstruction and reopening of the pilgrimage routes. But like in the case of sand mining, should the livelihood question be posed in a way so that those questioning the laissez fair attitude of the proponents of unregulated construction activities can be disarmed easily ? In some sense this reminds one of the use of Shikhandi, a character in Mahabharata by Pandavas in Kurukshetra war to disarm a major warrior on the side of Kauravas.

You can win a growth vs environment debate in a TV discussion, or be able to cynically maneuver majority in Parliament to ensure the passage of economic legislations like Forest Rights Act or Land Acquisition Bill and others related to Power and Infrastructure Development. But it is the poor, tribals, farmers, migrant labourers and itinerant small service providers and finally common citizens seeking salvation of their souls in gods’ abodes in the Himalaya region who would eventually be at the receiving end as in the above instance, as indeed nearly always, growth or no growth.

Checklist of critical issues about selection of a medical insurance policy

This is in continuation with an earlier blog on the medical insurance currently being offered by many companies for the elderly in India. Here is a summary of the more critical elements of the policy on offer that one (especially a senior citizen) should be watching out for and be careful about.

• Sum insured (range and the maximum amount)
• The annual premium for individual/family floater scheme as the case may be
• Maximum entry age
• Maximum renewal age (For some policies the renewal is said to be guaranteed life long. However, the relevant policy wording usually allows for the insurer to put the insured under “the then prevailing health insurance product or its nearest substitute” as approved by the insurance regulatory authority, IRDA. This may effectively mean enhancement of the premium or other conditionalities not present in the original policy)
• Is there a loading of the renewal premium depending on the claims
• Percentage co-pay for the age-band concerned and that for treatments in a non-network hospital (make sure the hospitals of interest in a given location are included in the list of network hospitals)
• Sub-limits on various components of medical expenditure incurred as an in-patient (accommodation, especially the type of accommodation, nursing, medicines/drugs, diagnostic tests of all kinds, OT charges including equipment, consumables, medicines, anaesthesia gases, blood, oxygen, prosthetics (if implanted inside or fitted externally on the body, fees for surgeons, anaesthesists, additional specialists (if required for the procedure), technicians and attendants)
• Sub-limits/package rates applicable to specific surgical or other procedures and special diagnostic tests
• Check the definition of ‘one illness” and the number of days (usually about 45 days or so) before which a repeat hospitalisation  for the same disease or a relapse may mean that this will have to be part of the ‘one illness’ and therefore one claim (this may adversely affect in case of sub-limits such as above)
• Pre- and post-hospitalisation benefits (check the sub-limits and other conditionalities)
• Check the list of day care procedures (Usually these are allowed only as in-patients and not taken in the hospital OPD. Advisable to check with the insurer if they will make an exception if either the hospital concerned does not agree to such an admission due to non availability or other reasons and offer to carry out the procedure at the OPD instead)
• Mandatory waiting period (30 days/90 days) for the first proposal
• Special waiting periods (usually two years) – check the list of diseases for which these waiting periods are applied (in this way treatment of many common diseases and surgeries that may be of interest to everybody, especially senior citizens, are expressly disallowed for as long as 24 months, while one keeps paying the premium)
• Waiting periods related to the pre-existing diseases (usually four years) – check carefully what the insurer defines as a pre-existing disease
• Policy about the waiting periods in the event of the portability from an existing policy with another company
• Claim settlement process – whether in-house or through a TPA
• Response time in the case of cashless hospitalization procedure – both for pre-authorisation and during discharge