De sterfelijkheid van een ondernemer

2,571 Comments / Entrepreneurship / By

Zoals elke jonge ondernemer beschouw ik mezelf als onverslaanbaar. Geen uitdaging is te groot en energie heb ik genoeg. Dit, heb ik ontdekt, is de ijdelheid van de jeugd.
In oktober wordt ik 30 en verval heeft zich nu al ingezet.

Twee weken geleden stond ik op met een bloeddoorlopen oog, dat ook redelijk pijnlijk was. Ik ben niet zo van de doktoren maar toen het na 2 dagen alleen maar erger leek te worden, ik verdroeg geen fel licht en ‘s avonds was ik kapotmoe, ben ik toch naar de dokter gegaan. Deze dacht in eerste instantie aan een normale oogontsteking en werd ik naar huis gestuurd met de boodschap dat het vanzelf wel over zou gaan.
Dat deed het dus niet en zondagnacht kon ik niet slapen door knallende hoofdpijn en dacht ik dat ik dood zou gaan. Het was zelfs zo erg dat ik een aspirientje heb genomen. Voor anderen iets normaals, voor mij een uiterste redmiddel.

Die maandag heeft de huisarts me doorverwezen naar de oogarts die mijn zombieoog onderzocht. Iridocyclitis was de diagnose, ofwel een ontsteking aan mijn regenboogvlies. Volgens wikipedia kun je dat krijgen van verschillende soorten herpes of wellicht van chamidia. In mijn geval was het een auto-imuunziekte. Dit betekent zoveel dat mijn eigen afweersysteem zich tegen een normaal gezond gedeelte van mijn lichaam keert (mijn regenboogvlies) om dit beter te maken, terwijl het dus niet ziek is. Erg freaky reactie van mijn lichaam, wellicht had ik liever één van de SOA’s gehad …

Ondertussen ben ik anderhalve week verder en begint de medicatie langzaam zijn werk te doen. Ik heb geen hoofdpijn meer en ook mijn zicht is wat verbeterd. Bij de apotheek heb ik een mooi (uhum) ooglapje gehaald, en met één oog afgedekt kan ik weer dingen achter m’n computer doen. Ik heb dus anderhalve week helemaal niet kunnen werken! Iets dat als zelfstandig ondernemer in deze tijd helemaal niet grappig is!
Ik ga er vanuit dat binnen een paar weken mijn oog weer normaal zijn werk doet en er geen spoortje zombie meer is te vinden in mij. Maar dit hele verhaal heeft me wel aan het denken gezet, want wat nu als ik dadelijk echt niet meer kan werken, wat dan?

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    Daarvoor heb je dus een AOV, tenminste, ikke. DE WAO verzekering voor ondernemers, duur, overbodig duur, maar een laatste vangnet. Daarom ben ik dus ook nog iets meer afgevallen, want vanwege mijn overgewicht betaal ik nog eens 20% (ruim 500 euro per jaar) meer… dat zou er binnenkort vanaf moeten kunnen gaan… eindelijk. 

    Een nieuwe fenomeen hiervoor zijn overigens de broodfondsen. Dat is een soort onderlinge verzekeraar voor mensen zoals wij die garant staan voor elkaars inkomen bij ernstige ziekte. Je draagt slechts een klein deel af, je hebt een onderlinge verplichting (het kan dus zijn dat je ineens als iemand echt arbeidsongeschikt raakt flink bij moet storten), maar zonder de extreme winstmarges van de verzekeraars. Lijkt me echt iets voor jouw… zeker ook om uit te zoeken. Ik heb er zelf misschien ook wel interesse in, maar uithozen is zo’n bitch zeg maar…. Vooral interessant als je dat doet met gelijkgestemden, mensen in de digitale wereld die relatief weinig risico lopen (i.t.t. metselaars, bouwvakkers of zo), hoewel je dan wel weer het risico hebt dat het economische tij iedereen of niemand raakt. Anyway, kijk er eens naar (en blog erover, ook op hnwb bijvoorbeeld) 🙂

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    Roulette

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  562. Stanleyedido

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  563. Stanleyedido

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