Today I made two critical but long,
long overdue purchases: A cell phone and health insurance. One could
potentially save my life; the other is health insurance. Since the
newbies issued from the dorm en masse in pursuit of said items, I
fell in with them, or rather, fell in with the Japanese assistants
and spent most of the day translating and coordinating, which is
where I feel most comfortable anyway, while also incidentally
checking a few boxes myself.
Honestly, I have absolutely absurd
amounts of insurance. I have MSP, a policy under my mother as a
government employee, traveller's insurance, and probably some form of
liability insurance from both my universities. It's only the
traveller's insurance that sticks in my craw, though, because I
specifically explained to my parents that I didn't need it because
with everything else put together, I am covered up
if I need a hip replacement or cybernetic implants.
To
which they said, we'll just look into it for you, by which they meant
take out a policy in my name. My first instinct was to phone and
cancel the living shit out of it as soon as I got the confirmation
e-mail, but I decided to at least hear what happened first. Why am I
getting nailed for $900 of insurance I never wanted or asked for?
Because I don't have
$900. Don't worry, they assured me, we've got you covered. Well,
fine. If that's what you're willing to pay for your own peace of
mind, rock on.
I only
later found out that by “got me covered” they meant that I could
just pay them back as soon as I got my loan money. The loan money
that would just barely cover my first semester. In fact, I was now
stretched so thin I didn't have enough money to buy the mandatory
government insurance! What irony. Wait, you have to buy into the
national plan? Yes, you guys. I explained this.
“Then
why did you get all that traveller's insurance?”
But
really, Rude Boy, is it possible to have too much
insurance? Yes. Of course it is. More than $1 million is too much
insurance. Having to make such a large payment that it momentarily
looks like you might run out of money and have to leave Japan is too
much insurance. Look, I get it, this is basically an investment that,
at some point in my life, I will probably have to make use of, but I
can't get over the idea that you are paying huge amounts of money for
literally nothing.
I only
made it this far through frugality and ingenuity, part of which
included not actually ever buying into the national plan as I am
technically required to. But I always planned to once I had the
money. Not because I feel I need it – I don't, in case that needs
clearing up – but because I don't want to get a little note in my
file for being an anarchic lawbreaker, a roving rebel who stops
jaywalking just long enough to put burnable garbage into the
recycling. I doubt it would actually cause a problem on my next visa
application, but for 15,000 yen – they charged me retroactively
starting in September, which I guess is just the price you pay,
literally – it's worth it for the piece of mind. Hey, see what I
did there?
Following the snake oil store was
Yodobashi Camera. As I will be doing prepaid, I had only one phone to
choose from, available in either black or Softbank white. I went with
the black, because aesthetics, and because dirt. It's a fine piece of
machinery, representing the absolute pinnacle of cell phone
technology circa 2006. After falling so deeply in love with the
Samsung Galaxy line, I feel silly and awkward clunking away at
physical buttons. Writing a single mail is as painful and
time-consuming as childbirth. The graphics are simplistic and
lifeless. I have to open it to check my alerts. Looking back over a
conversation entails manually scrolling through and opening dozens of
previous individual mails, sometimes interrupted by messages from
other people entirely. It'll do the job, though, and my Canadian
phone can handle anything more intensive via Wi-Fi.
As soon as I got it in my hands, my new
phone presented a problem, namely where to store it. My back-right
pocket is occupied entirely by my wallet, so that's out; the normally
empty back-left would seem to be the logical choice, but I knew from
experience that alighting on even the softest seat would cause it to
jab painfully into my ass. I gave the front-left a shot, sliding it
in alongside my Galaxy and steadily shrinking pocket dictionary. Can
I get at the new phone? In and out, no problem. Galaxy? Likewise.
Dictionary? Um, not without removing everything else first. I finally
settled on the front-right, which has heretofore borne only my
camera. I was hoping to avoid this because having a phone in each
pocket seems a little too symmetrical and lame, and also because I'm
worried that positioning two cell phones in that particular
arrangement might create a sort of electromagnetic gravity well and
irradiate my testicles, rendering me sterile. Which I guess would
actually be fine.
My ability to survive without a
cellular telephone of any kind made me seriously question my need for
one, but really, to have anywhere near the kind of social life I
aspire to it's probably a necessity. It'll also save me that fun game
that nobody else in the entire world has played since the late 1990s,
where you wonder if the other person is early, or you're late, or you
got the location wrong, or you missed each other and they already
went to the venue already and you should go check it out, and maybe
you should go stand over there instead to make yourself more visible,
and goddamn it you'll wait five more minutes and after that you're
cutting your losses and finding something else to do.
One drawback to my new communicative
capabilities is that I can no longer avoid people by using the excuse
that I don't have my phone. “Oh, yeah, everybody would have loved
for you to be there! That's really too bad! Next time!” I really
was using that as an excuse for never socializing with anybody in the
dorm, and disappearing for hours (days) at a time. I guess now I'll
just have to get really bad at answering text messages, and maybe
sometimes forget my phone at home.
As soon as I finally got it set up, I
fired off a Facebook status announcing my new wired status and
calling for people to send me a message with their own contact
details. Predictably, I received a bunch of timely responses, but all
from people I hate.
“One could potentially save my life; the other is health insurance.” That line made me laugh harder than the reality of it should. That aside, it is hard to appreciate insurance plans when you don't receive much or anything at all for all the money that you're paying for it. Though I have to admit, I breathe a sigh of relief that I have a bunch of policies for personal health and for my home should unforeseen disasters strike.
ReplyDeleteAlways happy to get laughs, regardless of the reason. And yeah, I know logically that it's a smarter gamble to have it and not use than need it and not have it...but since when are human beings logical. Of course I'm also probably a little bit spoiled, coming from a country with socialized medicine...
DeleteOne good thing about applying for an insurance plan is that you can have the sense of security over it. You don't have to worry about the bills when you need hospitalization because your insurance would cover it.
ReplyDeleteDaveWilliamson.net
You are absolutely right, of course, although it kind of defeats the point when you then up worrying about whether or not you can afford your insurance.
Delete