癌症到底会花多少钱？医疗保险能报销多少？
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">防止“走失”，请点击上方“跨界合伙人”→点击右上角“关注”。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;"><strong style="color: blue;"><span style="color: black;">1、</span>癌症的治疗花费与社保的报销力度</strong></span></p><span style="color: black;"><span style="color: black;">咱们</span>都<span style="color: black;">晓得</span>癌症的治疗<span style="color: black;">花费</span>高，但到底<span style="color: black;">必须</span>多少钱呢？</span><span style="color: black;">2019年，北京中医药大学对2016年北京市所有癌症<span style="color: black;">病人</span>（30224例住院<span style="color: black;">病人</span>和485391例门诊<span style="color: black;">病人</span>）的治疗<span style="color: black;">花费</span>进行调查，并于同年6月将<span style="color: black;">科研</span>成果<span style="color: black;">发布</span>在了Cancer Medicine杂志上。其中有提及：癌症<span style="color: black;">病人</span>人均每次住院<span style="color: black;">花费</span>超过3.2万元，占癌症治疗<span style="color: black;">花费</span>的58.6％。</span><span style="color: black;">住院总<span style="color: black;">花费</span><span style="color: black;">包含</span>药费、<span style="color: black;">检测</span>费和治疗费。不同部位的癌症治疗<span style="color: black;">花费</span>不同，白血病大概<span style="color: black;">必须</span>8.9万元，直肠癌<span style="color: black;">必须</span>8.7万元<span style="color: black;">上下</span>；结肠癌<span style="color: black;">必须</span>6.6万元<span style="color: black;">上下</span>。</span><span style="color: black;">这只是每次的住院医疗<span style="color: black;">花费</span>，<span style="color: black;">倘若</span>加上出院后的药品<span style="color: black;">花费</span>，2年时间<span style="color: black;">上下</span>，每位癌症<span style="color: black;">病人</span>大概要花到40-80万不等，<span style="color: black;">倘若</span>采用高端医疗方式，这笔钱就更加不菲了。</span>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><img src="https://mmbiz.qpic.cn/mmbiz_png/eOkIYG4BuWKuic9ydpjSUhgqa5GudFDpcWFRGPKHtcib4ibq90Hn0txdCdtZq3GoiarJzJ96QRjqx8MMNbwH5BShFw/640?wx_fmt=png&tp=webp&wxfrom=5&wx_lazy=1&wx_co=1" style="width: 50%; margin-bottom: 20px;"></p><span style="color: black;">据<span style="color: black;">媒介</span><span style="color: black;">报告</span>，马来西亚羽球名将李宗伟<span style="color: black;">病患</span>鼻咽癌后，采用了先进的质子重离子医疗手段，前后33次治疗，花费近千万的<span style="color: black;">花费</span>，这不是普通家庭能够承担的。</span><span style="color: black;"><img src="https://mmbiz.qpic.cn/mmbiz_png/eOkIYG4BuWKuic9ydpjSUhgqa5GudFDpcOJvkHB8kz83cO9obubOPZQXv2NeoVvXFdYNwdialibXVb3dnbmpVp50w/640?wx_fmt=png&tp=webp&wxfrom=5&wx_lazy=1&wx_co=1" style="width: 50%; margin-bottom: 20px;"></span>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">但随着现代高压力，快节奏的生活，癌症却越来越频繁地“进入”普通家庭……</span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">如此<span style="color: black;">昂贵</span>的治疗<span style="color: black;">花费</span>，普通家庭依靠社保能<span style="color: black;">处理</span>多少呢？</span><strong style="color: blue;"><span style="color: black;">答案并不<span style="color: black;">阳光</span>。</span></strong></p><strong style="color: blue;"><span style="color: black;"><span style="color: black;">首要</span>，社保是有“封顶线”的。</span></strong><span style="color: black;"><span style="color: black;">每一个</span>城市不<span style="color: black;">同样</span>，<span style="color: black;">通常</span>在20-50万不等，超过封顶线的<span style="color: black;">花费</span>，社保就<span style="color: black;">没</span>能为力了。</span><strong style="color: blue;"><span style="color: black;">其次，社保是有报销范围的。</span></strong><span style="color: black;"><span style="color: black;">仅有</span>甲类目录和乙类目录的部分能报销。但<span style="color: black;">非常多</span>抗癌特药、高端诊疗项目都不在社保范围内，消费者只能自费，社保是不管的。</span><span style="color: black;"><span style="color: black;">例如</span>120万一针的CAR-T疗法<span style="color: black;">药品</span>，<span style="color: black;">始终</span>是社保采购谈判的重点对象，但进入社保<span style="color: black;">统一</span>范围很难。而李宗伟采用的质子重离子医疗，社保就更<span style="color: black;">没</span>能为力了。</span><strong style="color: blue;"><span style="color: black;">最后，社保<span style="color: black;">亦</span>不是全额报销的。</span></strong><span style="color: black;">职工<span style="color: black;">医疗保险</span>只能报销90%<span style="color: black;">上下</span>，居民<span style="color: black;">医疗保险</span>则<span style="color: black;">仅有</span>60%<span style="color: black;">上下</span>。平均下来，每位癌症<span style="color: black;">病人</span>的医疗<span style="color: black;">花费</span>社保能<span style="color: black;">处理</span>40-50%就不错了。</span><span style="color: black;">毕竟，<span style="color: black;">做为</span>一种国家福利政策，社保<span style="color: black;">处理</span>的重心是受惠群体的“广度”而非个体的“深度”，<span style="color: black;">亦</span><span style="color: black;">便是</span>让<span style="color: black;">更加多</span>人<span style="color: black;">得到</span>社保<span style="color: black;">帮忙</span>，而不是为部分人<span style="color: black;">处理</span><span style="color: black;">所有</span>医疗<span style="color: black;">花费</span>。</span>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><img src="https://mmbiz.qpic.cn/mmbiz_png/eOkIYG4BuWKuic9ydpjSUhgqa5GudFDpcVBcia8oEI6RSiaM8lzbaicFY8oKoZg7wkPxHuJ86fb2UhqdoWjqHGyrRQ/640?wx_fmt=png&tp=webp&wxfrom=5&wx_lazy=1&wx_co=1" style="width: 50%; margin-bottom: 20px;"></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;"><span style="color: black;">倘若</span>你觉得癌症的医疗<span style="color: black;">花费</span>贵，但其实还有更贵的，<span style="color: black;">例如</span>“渐冻症”、“瓷娃娃病”这种罕见病，<span style="color: black;">由于</span>临床医疗数据不足，<span style="color: black;">引起</span><span style="color: black;">药物</span>数量少、<span style="color: black;">花费</span>高，治疗的整体花费很高，平均百万以上。</span></p><span style="color: black;"><span style="color: black;">因此</span>，在有了社保的<span style="color: black;">基本</span>上，<span style="color: black;">尽可能</span>要搭配<span style="color: black;">商场</span>保险来<span style="color: black;">弥补</span><span style="color: black;">保证</span>，为<span style="color: black;">咱们</span>和家庭做好<span style="color: black;">危害</span>转移，其中最<span style="color: black;">要紧</span>的<span style="color: black;">便是</span>百万医疗险，它是专门用来<span style="color: black;">保证</span>因大病治疗产生的<span style="color: black;">看病</span><span style="color: black;">花费</span>的。</span>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;"><strong style="color: blue;"><span style="color: black;">2、</span><span style="color: black;">商场</span>医疗险的<span style="color: black;">保证</span>力度</strong></span></p><strong style="color: blue;"><span style="color: black;">相比社保，百万医疗险<span style="color: black;">拥有</span>如下<span style="color: black;">优良</span>：</span></strong><span style="color: black;">报销额度高。每年百万保额以上，<span style="color: black;">能够</span><span style="color: black;">处理</span>社保封顶线的问题；</span><span style="color: black;">不限社保范围。社保外的<span style="color: black;">药物</span>和诊疗项目，百万医疗险来<span style="color: black;">处理</span>；</span><span style="color: black;">报销项目多。质子重离子这些先进的治疗手段都能报销；</span><span style="color: black;">报销比例高。经<span style="color: black;">医疗保险</span>报销后的部分，扣除免赔额后报销比例按100%；</span><span style="color: black;">医疗服务多。<span style="color: black;">包含</span>但不限于<span style="color: black;">花费</span>垫付、二次诊疗、家庭<span style="color: black;">大夫</span>等多种服务，方便治疗；</span>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">杠杆率高。<span style="color: black;">经过</span>1万免赔额的设计，30岁<span style="color: black;">上下</span>有社保的人，每年只<span style="color: black;">必须</span>花费300元<span style="color: black;">上下</span>，就能<span style="color: black;">得到</span>数百万额度医疗<span style="color: black;">保证</span>了。</span></p><span style="color: black;">当今时代，工作节奏快、生活压力大，不少人为了家庭、房贷、<span style="color: black;">孩儿</span>、父母而<span style="color: black;">奔走</span>，身体大都<span style="color: black;">处在</span>亚健康状态。想让自己和家人<span style="color: black;">得到</span>更好的医疗<span style="color: black;">保证</span>，<span style="color: black;">不可</span>仅仅依赖于社保，更要借助于百万医疗险的<span style="color: black;">弥补</span>。</span>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><img src="https://mmbiz.qpic.cn/mmbiz_png/eOkIYG4BuWKuic9ydpjSUhgqa5GudFDpcGqibPBtpBM2BVPRjusRA2BZLXgQ2HCGZYI99ic7UK50OTQrWezfJ9QAg/640?wx_fmt=png&tp=webp&wxfrom=5&wx_lazy=1&wx_co=1" style="width: 50%; margin-bottom: 20px;"></p><strong style="color: blue;"><span style="color: black;">3、</span><span style="color: black;">怎样</span>挑选一款合适的百万医疗险</strong><strong style="color: blue;"><span style="color: black;"><span style="color: black;">长时间</span><span style="color: black;">保准</span>续保</span></strong><span style="color: black;"><span style="color: black;">长时间</span><span style="color: black;">保准</span>续保的百万医疗险，即使续保期内<span style="color: black;">出现</span>理赔<span style="color: black;">乃至</span><span style="color: black;">制品</span>停售了，<span style="color: black;">亦</span>能继续<span style="color: black;">得到</span><span style="color: black;">保证</span>，<span style="color: black;">针对</span>癌症等<span style="color: black;">必须</span><span style="color: black;">长时间</span>医疗的大病、重病非常<span style="color: black;">重要</span>。</span><span style="color: black;"><span style="color: black;">日前</span>市场上<span style="color: black;">保准</span>续保的最<span style="color: black;">长期</span>是20年，其次还有6年、5年、3年<span style="color: black;">保准</span>续保的<span style="color: black;">制品</span>。</span><strong style="color: blue;"><span style="color: black;"><span style="color: black;">保证</span>内容丰富</span></strong><span style="color: black;">百万医疗险报销<span style="color: black;">通常</span>住院、特殊门诊、门诊手术<span style="color: black;">花费</span>，<span style="color: black;">包括</span>住院<span style="color: black;">时期</span>的<span style="color: black;">药物</span>费、诊疗费、床位费等等。<span style="color: black;">然则</span>，除了<span style="color: black;">通常</span>医疗报销外，还得看看对重疾、大病的报销政策，以及有<span style="color: black;">无</span>质子重离子医疗、院外特药报销等<span style="color: black;">保证</span>。</span><span style="color: black;">细节方面，要<span style="color: black;">重视</span>质子重离子医疗的报销比例和免赔额；院外特药的<span style="color: black;">药物</span>数量、治疗范围，尤其要<span style="color: black;">重视</span>社保外抗癌特药的报销比例。</span><strong style="color: blue;"><span style="color: black;">性价比<span style="color: black;">明显</span></span></strong><span style="color: black;">百万医疗险采用自然费率，交一年保一年，保费随着年龄增长<span style="color: black;">持续</span>变化，性价比好的<span style="color: black;">制品</span>，<span style="color: black;">长时间</span>缴费能省下<span style="color: black;">非常多</span>钱。</span><span style="color: black;">只要抓住这三点，就能选出一款适合自己的百万医疗险。<span style="color: black;">不外</span>，<span style="color: black;">日前</span>市场上支持20年<span style="color: black;">保准</span>续保的<span style="color: black;">制品</span>不多，在几个方面都表现<span style="color: black;">明显</span>的就<span style="color: black;">更加是</span>凤毛麟角了。</span><strong style="color: blue;"><span style="color: black;">总结：</span></strong><span style="color: black;"><span style="color: black;">疾患</span><span style="color: black;">危害</span>是人生几大<span style="color: black;">困难</span>之一，社保<span style="color: black;">做为</span>一种国家福利政策，<span style="color: black;">能够</span>帮到<span style="color: black;">咱们</span>，但<span style="color: black;">不可</span><span style="color: black;">处理</span><span style="color: black;">所有</span>问题，尤其是大病医疗<span style="color: black;">危害</span>。<span style="color: black;">商场</span>保险<span style="color: black;">做为</span>社保的有力<span style="color: black;">弥补</span>，两种<span style="color: black;">保证</span>相结合<span style="color: black;">才可</span>为家庭构筑完备的<span style="color: black;">危害</span><span style="color: black;">保证</span>体系，而其中最<span style="color: black;">要紧</span>的<span style="color: black;">便是</span>百万医疗险。假如不幸<span style="color: black;">病患</span>癌症，社保<span style="color: black;">能够</span><span style="color: black;">处理</span>40%的<span style="color: black;">花费</span>问题，剩下的60%<span style="color: black;">能够</span><span style="color: black;">经过</span>百万医疗险来<span style="color: black;">处理</span>。<span style="color: black;">选取</span>一款合适的百万医疗险，<span style="color: black;">才可</span>让<span style="color: black;">咱们</span><span style="color: black;">无</span>后顾之忧，以更好的状态投入工作和生活。</span><img src="https://mmbiz.qpic.cn/mmbiz_png/cfxTOZaJSU0O1mqspToJiby71L7VZpgbb19nwDSSYibL7WtDXiaoWKm8Cic5Gs4PFC6seuRXYOWNctSKrkKwXSh15w/640?wx_fmt=png&wxfrom=5&wx_lazy=1&wx_co=1&tp=webp" style="width: 50%; margin-bottom: 20px;"><span style="color: black;">RECOMMEND</span>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><strong style="color: blue;"><strong style="color: blue;">保险参考：<span style="color: black;">每日</span>更新保险行业<span style="color: black;">新闻</span>、行业研报、监管动态、培训课件、专家观点、学习资料等内容，还有海量数据库<span style="color: black;">供给</span>服务。扫码领红包加入，享50元/年特惠活动！</strong></strong></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><strong style="color: blue;"><strong style="color: blue;"><img src="https://mmbiz.qpic.cn/mmbiz_jpg/eOkIYG4BuWJxbThzwIycHhnZdYHXJg8ID1oHzjjDWW6joAXtVpoOw1mOJicOTt5yZ8Wuw9f9B6hibGT7TCvzw1hg/640?wx_fmt=jpeg&wxfrom=5&wx_lazy=1&wx_co=1&tp=webp" style="width: 50%; margin-bottom: 20px;"></strong></strong></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><img src="https://mmbiz.qpic.cn/mmbiz_png/eOkIYG4BuWJxbThzwIycHhnZdYHXJg8I44xPIFdfPqxLHL35EdKrWfkGK4eQdWx5rkVDEdFIsNyvbQ1tJUENwQ/640?wx_fmt=png&wxfrom=5&wx_lazy=1&wx_co=1&tp=webp" style="width: 50%; margin-bottom: 20px;"></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;"><strong style="color: blue;"><span style="color: black;">危害</span>提示</strong>：</span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">1.本公众号所<span style="color: black;">发布</span><span style="color: black;">文案</span>，仅<span style="color: black;">做为</span>知识分享，所引用的信息和数据均来自于公开<span style="color: black;">途径</span>，虽然<span style="color: black;">能够</span>相信信息<span style="color: black;">源自</span><span style="color: black;">靠谱</span>，但并未进行任何验证，<span style="color: black;">咱们</span>力求<span style="color: black;">文案</span>内容、数据的公正与客观，但对这些信息的真实性、准确性和完整性不做任何<span style="color: black;">保准</span>。</span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">2.本公众号所<span style="color: black;">发布</span><span style="color: black;">文案</span>，仅为信息参考之用，不<span style="color: black;">形成</span>任何投资<span style="color: black;">意见</span>。投资人应<span style="color: black;">按照</span>理性判断和调查结果，结合<span style="color: black;">自己</span><span style="color: black;">危害</span>偏好做出投资决策，并<span style="color: black;">自动</span>承担<span style="color: black;">危害</span>。<span style="color: black;">咱们</span>对任何人因<span style="color: black;">运用</span>本文或本公众号所引用内容<span style="color: black;">或</span>其他与之<span style="color: black;">关联</span>的<span style="color: black;">原由</span><span style="color: black;">导致</span>的任何损失，以及因本文或其内容的<span style="color: black;">颁布</span>，<span style="color: black;">或</span><span style="color: black;">因为</span>事实或分析数据传达中的错误而<span style="color: black;">引起</span>的直接或间接损失，不承担任何责任。</span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><img src="https://mmbiz.qpic.cn/mmbiz_png/eOkIYG4BuWJq5n4mmhibOShT7qNgsfMkibSJHa8FibTBPXrMJyznnR1lG7x2SDic6JPMgr1a7dI8jT4vQYwGckGoFg/640?wx_fmt=png&wxfrom=5&wx_lazy=1&wx_co=1&tp=webp" style="width: 50%; margin-bottom: 20px;"></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><strong style="color: blue;">你这么好看，<span style="color: black;">必定</span>要点个在看</strong></p><img src="https://mmbiz.qpic.cn/mmbiz_gif/7Jw3cw88oRMpUVIE3zXXzxxFKMVoaicqLG1UqRtibU00retibaib5ViaKGIc3uTYrh0x2XsaX3C4WMAVj5YAib2XDjag/640?wx_fmt=gif&wxfrom=5&wx_lazy=1&tp=webp" style="width: 50%; margin-bottom: 20px;">
论坛是一个舞台，让我们在这里尽情的释放自己。 期待你更多的精彩评论，一起交流学习。
页:
[1]