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Is it better to sound like you do or do not know what you're talking about when discussing medical issues with your doctor?In almost every circumstance that I can conceive of it is better to be completely honest.Your doctor visit is about your health. You and your doctor need to have open, frank communication so that you can fully understand your disease process and how to address it.If you do not understand something, please ask for clarification, or repeat back what you think you heard.Here is an example of a misunderstanding that resulted in unintended consequences:Before I entered medical school I worked at a women’s health clinic in rural northern Maine. We had a client who returned to the clinic because of a couple of missed menstrual periods. She tested positive for was pregnancy. This happened after being fitted with a diaphragm (a form of barrier contraception) only months before.How did this happen?She misunderstood the directions on how to properly use her diaphragm.ANDMore importantly, we failed to recognize that she didn’t understand.The Clinic’s Family Nurse Practitioner (FNP) had demonstrated how to use the device, admonishing to always fill it with “jelly” (spermicidal gel) and to place it properly into position. Our FNP was very patient and thorough, and had repeated the instructions and supervised the patient as she practiced smearing the diaphragm with spermicide, placing and removing it. The sequence was repeated several times before the patient left the clinic, with her brown paper bag containing her new diaphragm —in it’s cute little pink clamshell case, a tube of spermicidal gel, an applicator, and a couple dozen brightly colored condoms “for just in case”—in tow.Why had the contraceptive failed?We inspected the diaphragm, no holes found.We asked the patient if she had used the diaphragm every single time she had intercourse. She insisted that she had.We asked her if she used jelly every time. Yes she had.She was asked if she kept the diaphragm in place for at least 6 hours after intercourse. Yes she had.We determined that she had inserted more jelly (vaginally) every time she had intercourse again with the diaphragm was still in place. She had.We asked her if she had experienced any problems with the technique.—Well, why yes, she had!“You know, that jelly stains just awful and it’s kind of sticky.”FNP and I looked at each other, “What?”Our patient reported that she had run out of spermicidal contraceptive gel and did not return to the clinic for a refill. Failing to grasp the concept of spermicide, she resorted to using the Welch’s Grape Jelly from the supermarket which she obtained on sale and had faithfully used. Every.Single.Time.Yup. Yes, she did.She said that she had an especially difficult time reloading the jelly into the applicator and that it was really difficult to spoon it into the little opening, but that her husband had gleefully helped and that they had made it into a game.Oh boy.Spermatozoa are especially fond of sugar, and grape jelly is full of it.Our FNP learned to be very specific with terminology, she never again referred to contraceptive gel as “jelly”. This was a lesson learned for me as well—I have tried in my practice to be very specific and clear in my communication with patients. No hinting around. Ever.You see, we really don’t know what you don’t know.By the way:No barrier method of contraception is 100% effective, but chances of it working are vastly improved with the application of spermicide, prior to intercourse— every single time.P.S. Our patient and her husband were delighted with the pregnancy, once they got used to the idea.

The first step is you should get an admission into Australian educational institution for approved course.Once you obtain the letter of offering a place for you, you can visit the website of Australian High Commission/Consulate in your country and download application form and related information.Carefully and truthfully complete the application form, attach all the supporting documents as required (these are stated in the instructions you downloaded). The most important documents are the letter of offering a place to you form the Australian educational institution; proof of funds (like bank statement or similar) showing funds availability to cover all your expenses like tuition fees, living expenses and other costs like medical insurance etc.Please check and cross check for accuracy and completeness of your application. Once everything is in order, post it to the Australian High Commission nearest to you in your country.You will be asked to undergo medical examination by a panel doctor nominated by the Australian High Commission/Consulate.You will be interviewed by a visa officer at the Australian High Commission/Consulate. At the interview you need to speak confidently and truthfully, never lie to the visa officer as they are well trained to fish the real information from you. Finally you will have to convince the visa officer that on completion of the course, you will return to your home country.Once everything goes well, you will be issued with a student visa to go and study in Australia.Bon Voyage

Scams by Insurance AgentsMy late father was a Property Valuer with a leading private bank. And the bank was also a Corporate Agent for a leading Life Insurance Company. The Bank Manager, saddled with target for selling insurance policies, canvassed my father for a Pension Plan in the guise of enrolling him for a health insurance policy.The Bank manager sent an Agent to our home, and my father trusting the Agent and the Bank Manager signed on the blank Proposal form. (A costly mistake).Now comes the major part of the story. When my father passed away in 2013, we realised how the Agent had tampered with information, and committed forgery on an unsuspecting senior citizen.1) The Nominee entered by the Agent in the Proposal form was my late Grand Father. Remember, the policy was taken by my father in 2010, and my Grand Father expired in 2004. Do you know how the Agent got my Grand Father’s name? He checked my father’s Electoral ID Card, from which he got my Grand Father’s name. He never bothered to cross check whether my Grand father was alive or not. Neither did he bother to ask my father as to whom he wished to nominate. (I don’t think that my educated father would have been so foolish to nominate an already deceased person as his nominee.)2) The address entered in the Proposal form, including the Pin Code, was incorrect. This was done deliberately to make sure that the original policy document remained undelivered. The letter to me from the Courier Company clearly mentioned that the consignment containing the original policy document was returned to the Insurance Company, as the address mentioned on the envelope ( and policy document) was incorrect3) The phone number mentioned in the proposal form did not belongto my father either. This was also done deliberately to avoid anytele-calling verification from the Insurance Company’s Call centre. (If my father had got a call, he would have understood that he had been taken for a ride)4) The Date of Birth of my father entered was completelyincorrect. If the original age had been entered, he would have been very close to the maximum age possible to take the policy. This too was done deliberately. Otherwise, the Agent might have lost his sales.5) Further, the signatures on the copy of the address proof and the Benefit Illustration were forged. This was done with deliberate intentions to avoid my father ever coming to know that the policy sold was a Unit Linked one.I explained the matter to the Asst Commissioner of Police. He told me that it would be better if I file a case in the Court. I then approached the City Police Commissioner. He was of the view that I was wasting his precious time, and asked me to file a complaint with the local police station.I approached the Insurance Ombudsman. One of the officials in the Ombudsman’s office, after going through the records, opined that I should approach the Civil Court (as it was a case of cheating). He also told me that such cases are usually won by Insurance Companies in Ombudsman forum.We wrote multiple times to the Insurance Company and the bank, IRDA, Finance Ministry, logged a call in Integrated Grievance Management facility of IRDA. We even wrote to Rashtrapathi Bhavan’s helpline. Everything was in vain.Finally, we collected whatever the company gave us. We were already tired, and didn’t want the fight to prolong further. (Leave alone the interest for what my father paid as premium, the death claim amount the company gave us was much less than what he had paid.)So, for all of you who wish to take Life Insurance policies, I have a few suggestions:1) Don’t make others fill your Proposal form. DIY (Do It Yourself)2) Don’t leave any column blank. And fill every column properly. Take your time to fill the Proposal form. The skies won’t fall if you take a day more to complete the Proposal form. Remember, the Agent can fill in anything in those blank columns. If the Agent says that he’ll fill the Proposal form later, and asks you to just sign on the form, politely ask him to shut up.3) If you don’t understand a few clauses or terminologies, research on the web, or ask your friends or well-wishers. Don’t trust what the Agent says.4) The Agent will force you not to disclose your medical history. Listening to this crap might even lead to repudiation of your death claim. When you pass away, do you want your spouse to run from pillar to post to get your death claim? So, fill the Proposal form honestly. Honesty is the best policy, always5) Once the policy has been issued, collect the Policy document. If you don’t receive the document, follow up for the document. Rest only after you receive it6) Once you receive the Policy document, go through it properly. Insurance Companies are mandated to send you printouts of your signed Application form and Benefit Illustration. Usually, they attach them along with the original Policy document.7) If you find anything amiss, please go ahead and cancel the policy under ‘free look period’. To know more about ‘free look’ option, google it. Remember, once you cross your ‘free look’ period, no one will be bothered about you and your policy. So, take care! Wish you Safe Investing![Apologies if you find any typos or errors. I was so enraged typing this, that I didn’t want to edit the document.]Edit 1: Thanks, never thought that the answer would garner 170+ Upvotes. Wish people choose life insurance policies, agents, and banks more carefully.