people have said — it’s important (as well as compulsory) to have health insurance in japan. i agree. & was labouring blissfully under the expectation that my health insurance had been taken care of (as promised) by my employer. well, a couple of weeks ago sumie had asked me if i’d received my insurance card yet, & i realised that i hadn’t. so i called one of the administrative people at my employer, who were very apologetic about the fact that my insurance hadn’t gone through for some reason. but not to worry, because they were going to fix it asap. okay. oh, except, uh, well, it’s going to have to be backdated until october, and all those payments are going to have to come out of your next pay. fine. whatever.
then this week i got sick… the sweaty, dizzy, shivering, now sweaty again kinda sick… sick enough to agree that a visit to the local doctor this morning was a good idea… called administrative person at my employer asking where my insurance card was. it was posted yesterday & should arrive today. fine. told administrative person i was going to doctor. administrative person wished me good luck. sumie took me to the nearest clinic, who said they would happily treat me, but i would have to pay extra because i didn’t have an insurance card. but, if i brought my insurance card back when i received it, they would give me a refund. okay then. visit doctor. have nasal swab test for influenza. eye-wateringly negative. just a bad cold. okay. go back to waiting room. get called to pay bill. that will be… 43,400 yen please. excuse me? (as of 15 seconds ago, 43,400 yen is about AUD$523… this for basically a standard consultation plus an eight inch cotton bud getting stuck up my nose.)
pay bill. stagger home feeling lightheaded (combination of virus & medical expenses). find envelope in mail from health insurance provider. envelope does not include membership card. envelope does contain a certificate of coverage. it says my coverage starts from 1 march. check email. read message from administrative person expressing wish that i feel better soon & detailing the list of clinics that i can go to in accordance with my health insurance. there is one clinic on the list. it is not the one i went to. read second email from administrative person. it explains that if i don’t go to the only clinic listed as the one i can go to, then i can go to any clinic. uh, okay…
send email to administrative person describing salient points of situation with respect to continuing lack of insurance card, size of bill, stated period of coverage on documents that i have received, clinic attended & asking as politely as possible what the fuck is going on. receive no response by mid-afternoon. call administrative person as follow up to wtf email. am told they are looking into it & will get back to me as soon as possible. obviously, it was not possible by close of business today.
so, yes. having health insurance in japan is important. also, knowing how your health insurance works is important. i may have just spent five hundred non-refundable bucks on a handful of aspirin…