Category Archives: Everyday blog

75人还是被人欺负75

到底是在这里写Journal还是在Day one写呢?这个是个问题。。。。

  1. 最近趁着还有比较嫩的保险公司不会太过分的用健康告知埋下未来耍流氓的伏笔,在某保险平台买了一个小贵的Term Life。。。然后不出意外地接到了保险公司的回访电话。

    其实,这个电话的目的是进一步(在银保监会的“指导”下)规避保险公司的风险,因为第一,这个电话都是录音的,而且保存时间肯定比保险期间要长。其次,这个电话的内容本质上就是要投保人亲口说出已经完全了解了保险合同的相关内容,特别是除外部分,以及退保所可能面临的损失。这样以来,当今后理赔等时候出现任何问题的时候,这个录音会成为最有效的证据来帮助保险公司规避风险。

    所以,当电话里保险公司的客服问我“X先生,您对保险合同里的所有除外事项都了解了么”,我回答道。。。“基本了解了“。。。

    这显然不是最佳答案,于是客服MM大概用了1分钟帮我解释了一下根据SOP要求最重要的几点,然后又问偶“X先生,现在您了解了么”。。。我回到道。。。“比刚才要了解多了一些”。。。

    我从客户MM的停顿中感觉到我这样的妖怪貌似不是很多。。。这短暂的几秒钟在我看来是用在了搜索在客服培训时的话术手册中是否有可以对答下去的答案中。最后貌似采用的是一个拖底的答案。。。“X先生,您有任何问题可以随时拨打XXXX热线”。。。感觉是比较牵强地把这个责任倒置了。。。恐怕这也是一个还不错的结果吧。。。

    所以。。。这个世界上绝对没有没有理由的电话。。。

  2. 最近在wework过日子,用着HQ的账号天天定hot desk像大学图书馆一样。。。在没办公室的公共空间总有那么一群比我更惨的某汽车公司的散兵游勇天天打游击,噢这家公司就是我们小菜同学帮他们做上NYSE的蔚蓝汽车NIO。。。(小菜同学站在NYSE门口真是帅翻了)

    这帮散兵游勇根据我观察,都是没有固定座位的码农,这帮可怜的码农多半是公司没帮他们买任何的seat,天天借卡混进来的。我其实也不是什么道德楷模要指责NIO这种听说内部勾心斗角政治斗争超过一切的地方,而是真的他们那种如若无人之境认为自己在哪哪就是ta家的姿态让我真的有点吃不消。从中午坐哪吃哪,大声喧哗开会骂娘,刚才竟然开着手机speaker开始和对方电话PK技术问题。我看看四周竟然没人认为这在共享空间是个问题。。。于是只好自己出马了。。。

    “你好你能关掉外放么?这里还有很多其他人”。。。。

    我觉得我太文弱了。。。就像那天开车遇到一个傻逼老外骑电瓶车在马路中心蛇型我摇下窗户叫了一声”what’s wrong with you”,对方在1/1000秒后朝我大叫“FxxK You”,然后我以更大声FxxK回去然后才跟着一大串)(#*¥)@(#*@)(#&@(*&可惜那傻X已经掉头走了一样。。。

    所以,我要花点时间考虑下现在的外型是不是还是过于文弱。。。特别是眼镜的存在大大降低了我的intimidating index。。。虽然我最近健腹轮已经可以从3-4次上升到10多次。。。代价是一个礼拜做沙发土豆时爬起来都像被牛踩过的癞蛤蟆一样。。。

Wework是好东西,但是好东西不代表用的人都是好人。。。很多东西是娘胎里带不来,后天也学不会的。。。

😄

 

 

 

An unbelievably long story with MSH

I guess I can be other people’s nightmare if I want to be, and I am capable of being a very peculiar one.

Take MSH for instance; I had many interactions with this major medical insurance provider in China (or should I say TPA so I can sound a bit more professional?) for fairly long time. Starting from around 2010, when they “transformed” from just a bunch of people representing a small insurance company in the US (GBG/Tiecare) which specialized in the K-12 international education market. And by a successful coup, they took away a lot of clients from GBG/Tiecare then formed MSH China, a “strategic alliance” with a French company I never bothered to check its background. At that time, I worked for a large international school in Shanghai, and one of GBG’s executives flew to Shanghai to tell us the shocking news. I still remember our HR head was furious after hearing what just happened, with the clenched fist and eyebrow knit in a deep V shape, and the unfortunate GBG executive standing beside her in tears. I know this became personal since she would most certainly believe things told by a Laowai as she is one of them. And at the same time, the bad guys formed MSH were a couple, and the wife is a Chinese.

What happened next was easy, I steered away from MSH for the renewal of our multi-billion dollar policy, and Cigna-CMC was lucky enough to win us as one of the biggest scores in their early years in China. It was not because they had a fantastic product, but we simply don’t like MSH, and not many other choices we can choose from out there. I still remember during one meeting with the MSH owner whose surname is Zhang, she asked me “what exactly do you want and why don’t you say it?”, after she presented us a policy scheme for Chinese nationals with reduced benefits for cost-saving, and you can imagine this time I was not quite happy with that since she now made the Chinese side unhappy.

I have to give praise to MSH for their seemingly rapid growth in China, and they do become one of the biggest players in the so-called high-end health insurance market. But I understand they must have identity crisis all the way since MSH is no insurance company. They may have broker license but they must “invented” some unique approaches in China market, by working with some second-tier insurance companies for policies marketed under the brand of MSH, rather than using the brand of the insurance company such as China RE. I guess they take over many of the responsibilities such as underwriting and they manage their profitability and the issuer (insurance company) only get a fixed fee (with limited risk exposure). Don’t laugh at me if you know what exactly happened in these could-be complicated transactions and I am sure MSH never intended to portrait themselves in such way as I described.

That was partly the reason a few years later when I joined EARCOS conference in 2014, the most important conference and events in the circle of international schools in East Asia. During a discussion session hosted by MSH to “brainwash” many young HRs from schools all over China, my questions to the host asking the identity of MSH, what exactly the role played by them, as TPA or insurance company? The lady baffled and quickly asked her assistant to give me “whatever gift I might be interested”, ignoring the puzzled faces from other attendees. I left the room shortly after I realize the host never intended to answer my question and my appearance definitely became an awkward existence that does no good to anyone.

I should never forget to mention myself was also a long-time customer of MSH even when I changed my job to another educational institution. And I had rather satisfying experience with them over the years. One thing I need to give credit to MSH was that they are the first to deploy on-site hospital representatives in many public hospitals so their customer only need to sign to a few forms and everything else will be taken care of by the reps. On the surface, this is a nice touch on top of the direct-billing service and to me seems redundant. But I guess this is a very smart move in customer behavior management so the patient will be inclined to go to the hospital with an on-site representative and in many cases, these hospitals are relatively cheap and with better relationship with the insurer so MSH can reduce the loss-ratio of the policies.

I had another interesting encounter with MSH this week, so I decided to write this long blog after so many years of “radio silence.” The thing was simple, I was denied by MSH after my doctor at UFH prescribed treatment for my “dry eye syndrome” or “meibomian gland dysfunction” if it goes beyond layman’s term. And the treatment called IPL (intense pulsed light) which require the use of a medical device designed for treating skin problems. So apparently this gives MSH an excellent reason to deny, they said this is a typical experimental treatment and anything experimental is excluded from the policy. I called the MSH underwriter after the hospital told me the insurance company is not going to pay it. The underwriter is a young lady who seems very surprised to receive a call from an end-user asking the reason for denial. She started from a very formal tone I guess she hopes the authoritativeness it brings can work in her favor. But after I understand the reason was simply how to define such treatment and if it is indeed an “experimental” one, I started asking FDA permit on the medical device, the approved usage of it, and rationale for such categorization and what kind of data support their decision. She must be overwhelmed by waves of questions with different angles and linked with each other, so her voice became louder and impatient. I sensed the tension I felt years ago in EARCOS conference so I tried to relax her a bit by saying I didn’t call for her to change the decision but just to understand the logic of it. Finally, she repeated several times that she could email me the supporting evidence that defines IPL as one of the treatment lacking scientific proof for my dry eyes, I finally stopped probing and thanked for her time.

I did receive an email with a long paragraph full of medical terms which I don’t have time and energy to go through. But I trust her did her best in presenting the most solid evidence in showing me that I will continue to suffer from my condition even if they allowed me to go for such treatment. And I kind of know this is true since UFH is famous for their service, not their medical capabilities.

This will end my long story with MSH and my attempts to show my stubbornness or troubled mind, but I certainly enjoyed it in my life.

Hello 2018

其实已经早就过了那么多天了。。。2018

所以证明了一个人如果有着超长的反射弧,写起东西来自然也会遇到很多问题,比如动笔就要2个月。。。

这不还发现了一个不大好的习惯,比如特别喜欢用点点点。。。

其实这个点点点可代表了很多还蛮复杂的含义,足够写一篇小而精干的论文来着,当然。。。不会是现在或者今天

所以。。。这只是冒一个泡的表现,体现了虽然年纪大了不少,但是内心还是充满着活力呢。。。

先发出来看看正常不,因为刚刚升级了Wordpress。。。

啦啦啦

Hi there

Just want to say I am still here…

Renewed the hosting service of this blog for 3 additional years…

Lots of changes

Lots of new things

Some are overwhelming

Hope you will still visit this place

From time to time

Just say hi

KFC

亲爱的裆,请问如果KFC麦当劳你们都要黑,说人家不安全,那我等屁民还能去吃啥,请给个明路

表和我提特供,我们屁民吃不到

真是看不下去了

屁民C留

Best Before Date 和变质有关系么?以及Starbucks VIA

偶感觉Starbucks VIA在中国应该是一个极端Niche的产品,因为喝Starbucks的同学应当会比较不屑速溶类的咖灰,而喝速溶类咖灰的同学肯定又对VIA的定价无法理解,所以我又做了一次妖怪买了一包RMB25的3条装(国行版)VIA Italian Roast来看看这到底是一个什么样的东东。

结论是

1) VIA粉末极其的细腻,所以几乎不用搅拌,加入热水就已经可以喝了(hot water kills, though)
2) 味道在偶的普通版本味蕾的鉴定下,基本可以达到80%的brewed coffee水准,个人感觉已经很不错了
3) 靠,在国内如此啃爹的价格情况下,一条VIA是2.3克,而美版的产品则是3.3克,整整少了30%的货,价格却翻倍
4) 然后发现有趣的Best before date的问题,就是大家有没有觉得其实Best before date和产品变质没有半毛钱关系,而是厂家利用了消费者的心理来加快你购买新产品的速度,同时抛弃perfectly good但尚未使用/食用产品的绝佳办法。当然厂家需要很好的balance这个日期的设置,因为太短的best before date可能会对商品售出前的供应链产生太大的压力,也会一定程度上影响消费者购买时的意愿,但太久的best before date又无法达到前面提到的效果。总之,这个日期的设置其实真的和产品变质速度关系不大,而是一个sales的手段。。。

当然,这个主要适用Grocery类的产品。。。

结论是,请通过淘宝买VIA产品(水货版本),如果遇到有人跳楼价卖临近Best Before Date的货品时可以逢低建仓。。。

。。。

只有老阿姨能救世界

继续写点啥

今天上午去美年体检进行“每年”体检。。。话说这个体检中心的名字就是为了提醒大家美年要体检么?

然后到了我压力最大的X光部分。

然后不知道哪个脑残的人设计的体检项目,竟然包括了胸部正位,腰部正位和腰部侧位3个位置,也就是说,要拍3次。。。。

然后我看到前面排队的男男女女都直接走到机器前面,灰常的义无反顾,就像善良无知的犹太人走进奥斯威辛的毒气室还以为是去洗澡一样。然后外面的2个老阿姨operator闪电般的按下按钮嗖嗖嗖就拍好了就走了。

于是我走过去第一句话就让老阿姨们崩溃了

我说:“我要穿全套防护服”

老阿姨傻呆呆的看着我说:“穿着怎么做”。

我一滴汗

我说我去所有医院都穿的~~然后意识到在上海呆过一段时间的人(特别是去过宜山路装修一条街的人)都明白老阿姨的杀伤力和她们最痛恨的就是思路和常人不一样的小青年,老阿姨A对着我说:“你进去再说,我会让你穿的”。言下之意是,你先进毒气室,然后我会想办法弄死你的。

我只有走进去,在进去之前我其实已经把所有身上的金属物品都装在包里,以免动作拖沓遭到extra的鄙视

然后老阿姨A对我说,你想怎么穿。。。

我很囧,因为这是在检测我的专业知识还是其实她也不知道但是很有战术技巧的把举证责任倒置了。。。

我继续很囧的指着旁边放着的全套防护服。。。说。。。就是它

然后老阿姨A拿起一顶理论上里面是铅的帽子,重重的放到了我的头上。。。

然后说还真有人要穿这个

然后我说了一句让我很后悔的话

偶说:“这个。。。。说不定人家要准备生小孩捏”。。。。

用捅马蜂窝来形容这句话的后果一点不为过。。。老阿姨A+B终于找到了我理论中的薄弱环节,同时大叫起来“唉呦喂,你又不是女的,女的才有这个问题,小朋友你太紧张了,我一眼就感觉你很紧张,不要紧张,我会帮你穿的”,然后那顶有着铅块的帽子又重重的砸了我的头一下。

我心想common sense来讲没道理男人不要防护的呀,然后老阿姨(差点打成老鸨)把旁边一个帘子状的东西拉过来遮住了我腰部以下的部分,我才意识到对对对就是这个东西最重要。

然后嗖嗖嗖估计胸部正位就拍好了,当然我对不知道是电磁还是电离还是什么辐射冲击我瘦弱身躯的那一刻是毫不知情的(原谅我,我是文科生)

然后A+B又high了,对我说,现在拍腰部,还要拍2次,你是拍还是不拍啊,这次没办法只有直接拍了哦

我觉得她们的目光直挺挺的在关照我的党中央,我是很容易脸红的人,我估计我有点脸红了

当然我还是很临危不惧的,我说我头上有保护,然后自己大义凛然的做了一个毅然决然的表情。。。

然后我观察了下老阿姨的表情,我感觉她对我的愤怒已经找到了发泄的窗口,这是非常可怕的,因为我感觉她鼠标点了无数下,然后恶狠狠的按下了一个貌似是拍摄的按钮。。。

我心里很清楚,如果是个油门的话,按照我平时的词汇量,这个词叫做

地板油

也就是说,很可能她们通过了加大功率要灭了我这个离经叛道的猴子。。。

老阿姨对我说,拍好了,然后我头也不回的走了

我在这次和老阿姨的战斗中失败了~ 如果最后的报告有什么奇形怪状的结论,我也一点不奇怪的,因为估计我这样的妖怪要几个月才会出现一次吧

当然也有开心的事情,就是外科的大伯告诉我我的痔疮几乎痊愈了

我很开心,因为有付出的确就会有回报

表问我付出是啥,我不会说的

酱紫

Hosting Server Moving

实在忍受不了服务器放在美国的龟速了。。。还要出钱购买独立IP地址。。。还要搞不好被伟大的墙给撞一下。。。

于是我再次把服务器搬回了国内,放在北京一个BGP双线机房,这下大家的速度应该是飞快了。。。

于是我在考虑是不是要多写点东东。。哇哈哈

终于和godaddy说bb了。。。一年节约600多大洋啊。。。。