This blog is getting periodic updates every now and then. We are closing in rapidly at the end of the year. That means a lot of fun things to do, some cool events to enjoy, and also a long sustained scream from now right through to the end of the holidays.
And speaking of screaming, let’s talk about HEALTH INSURANCE and your inevitable voyage to, and the life-changing experience you will have on the Shikoku pilgrimage. You will likely hear from various places of sage counsel to make sure you have health insurance and travel insurance before you go anywhere. And like most people you will probably think, “Ah… what could happen? I’ll be all right. Look at these biceps! I’m invincible!”
And that is all fine and good until you aren’t. Something happens. You slip on the trail and break an ankle. Your biceps did not save you that time. You catch a cold and keep walking and then get bronchitis and then keep walking and then you get pneumonia and then you collapse in the nearest drug store looking for Vicks Vapo-rub.
It can happen. I may not happen. But IF it DOES happen, you better have some health insurance.
The reason for that is simple. If you don’t have health insurance the situation you now in will be completely out of your control. Bad things have a higher potential to happen and you will not have much of a say in what is coming next.
One possibility is that you will be picked up by good samaritans and put in a hospital. The doctors will look at you and instantly admit you into their medical facility, do tests, hook you up to an IV, and do what they can for you. Japanese doctors and medical facilities are some of the best in the world. If I am sick, for anything, I want to be treated here.
You will not be allowed to just leave when you want. If you have a serious illness, or broken bones, you need to get treated and healed up. Stumbling out of the hospital only to collapse later makes trouble for a lot of people you don’t know, so don’t do that. Every hour you are in the hospital costs money.
After a few days you may be ready to leave. Now you have to pay the bills. One recent report from someone on the Shikoku Pilgrimage who did not have medical coverage is still paying a bill of 50,000 dollars. That is some serious money. It would not have been a problem if he had health insurance. I am sure that you do not want this kind of grief.
You may think, “Well, maybe I will just leave the hospital and quietly get to the airport and go home.” I suppose you could do that. And besides it being a real low-life thing to do, fantastically selfish and narcissistic, it may have some “real life” consequences for you.
The world is different now than it was years ago. People who do not pay their medical bills in Japan and skip out may be reported to other authorities. It’s a kind of crime. Municipal, prefectural, and national organizations cooperate much more with each other than they did in the past. If you have a black mark on your name because you skipped out on your medical bill, do you think that this information may be given to the local police, who then share that with immigration and border control authorities? Do you think that should you try to come back to Japan in the future you might be stopped at the gate and asked to settle your outstanding debt? Do you think that in the spirit of international cooperation against terror that the Japanese border authorities may share their information with other countries? Do you think that skipping out on your bill in Japan may affect your ability to travel and use your passport as you go elsewhere?
Maybe. I don’t know. I am no expert. But I do know that privacy is shrinking in our world, that the ability to “be off grid” or “under the radar” is more fantasy than reality. We are all far more “accessible” than we used to.
It would just be much easier and simpler to just get some health insurance rather than run the risk of going through unnecessary trouble and heartache.
There is some rather inane urban legend on the Shikoku pilgrimage, likely true to some extent, of a traveler who got very sick and needed to be hospitalized. That traveler did not have health insurance and when the day of reckoning came to be discharged the hospital staff met that person, bowed in unison, and said, “It is our osettai!”. Which means “It’s on the house”.
Really? I am not sure if I really believe it. I’m pretty sure that I do not want to believe it. It sounds all so magical and marvellous, like a testament to the natural good natured characters of Shikoku residents far and wide. It’s a “made for television” kind of moment.
Maybe that happened. But even if it did you really MUST NOT expect to get free medical care when you come to Japan. You need to pay your own way. If you get sick and need professional care make sure you have covered to receive it. Do not think that this folksy legend of overly kind and eternally generous thinking about medical treatment will apply to you when you come to experience Shikoku. That is incredibly self-centered and naive.
A more realistic interpretation of the above case was that the doctors and nurses, because they are sworn to protect life (even yours when you don’t have proper insurance) will not leave you on the street. They probably figured out that their patient was basically treating their home town and prefecture like a homeless person’s free/cheap vacation, and that this person had little consideration for the impact of their actions on others.
They realized that they were dealing with someone who under all the smiles was someone who cared more about themselves and their “magic experience” than thinking that while traveling to another country is great, you are traveling through someone else’s life, their city, their hometown, and the place where they raise their kids.
They probably realized that even if they tried to get some payment towards the un-collectable amount owed it would be a long series of hopeless attempts resulting in great frustration. It would be “cheaper” to cut the losses and try to make it a bit more palpable as a “gift”.
But it is a gift that the “guest” took in advance… and enjoyed prior to the actual “giving”.
It is also so unnecessary. Health insurance and travel insurance are dirt cheap. Compared to the actual costs of having to pay for medical expenses out of pocket it is almost free. Please consider this moral lesson as a heart-felt plea to prepare yourself and plan for potential trouble when you are ready to come out to Shikoku. Small preventative measures will save you much pain and suffering.
Everyone I have talked to and met here in Shikoku who are very interested in supporting and helping people come to the region to enjoy the pilgrimage love the concept of more visitors and explorers. They love that people can come and experience this incredible place. But there are concerns too. Things like garbage left behind, people sleeping in public spaces, and also this… people who need medical help who did not prepare properly.
I think that as visitors to Japan (I include myself in that number, even after 20 plus years of living here) we need to be mindful of these things. Don’t throw garbage out in nature. Don’t sleep out in places that you do not know are okay. Book a guesthouse, an Air BnB, or a hotel. Eat well, and eat locally. And for your own sake, and health, and safety, and pocket book, get some medical/health/travel insurance before you arrive.
It’ll be great to see you here. But make sure that you do it well, and safely, and stress-free too.
That’s all for my rant today. Thanks for reading this far.