癌细胞“清零”！120万一针的抗癌神药，是真的吗？
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">去年8月份，</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">“120万一针，2个月癌细胞“清零”！中国首例<span style="color: black;">病人</span>出院”</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">这般</span>一条<span style="color: black;">资讯</span>令全网沸腾。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">120万一针的天价抗癌药由此进入公众视线。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">紧跟着，全国多地<span style="color: black;">亦</span><span style="color: black;">持续</span><span style="color: black;">显现</span>了<span style="color: black;">类似</span>的<span style="color: black;">状况</span>。</p>
<div style="color: black; text-align: left; margin-bottom: 10px;"><img src="https://pic1.zhimg.com/80/v2-9af116c8ac16f33a784873fc0ec3ec60_720w.webp" style="width: 50%; margin-bottom: 20px;"></div>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">非常多</span>网友感到振奋的<span style="color: black;">同期</span>，</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">亦</span><span style="color: black;">起始</span>操心这么贵的药，普通家庭怎么<span style="color: black;">包袱</span>得起？</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">今天<span style="color: black;">咱们</span>就聊聊这个<span style="color: black;">专题</span>，本文<span style="color: black;">重点</span>内容：</p>120万一针的天价药是什么？120万抗癌药，<span style="color: black;">医疗保险</span>报销吗？120万的药，<span style="color: black;">商场</span>保险能保吗？<h2 style="color: black; text-align: left; margin-bottom: 10px;">01、120万一针的天价药是什么？</h2>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">资讯</span>里说的这个<span style="color: black;">病人</span>陈阿姨，</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">运用</span>的抗癌神药叫阿基仑赛注射液（简<span style="color: black;">叫作</span>奕凯达）</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">是一种CAR-T细胞疗法<span style="color: black;">药品</span>。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">T细胞存在人体的血液、淋巴和<span style="color: black;">周边</span>组织器官中，</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">能<span style="color: black;">帮忙</span>人体识别消除外来异物。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">癌细胞非常狡猾，<span style="color: black;">善于</span>伪装，所以，T细胞有时候很难识别它们，这<span style="color: black;">亦</span>是<span style="color: black;">为何</span>抗癌如此困难。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">CAR-T细胞疗法的创新性在于：</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">这个<span style="color: black;">办法</span><span style="color: black;">能够</span>从<span style="color: black;">病人</span><span style="color: black;">身体</span>分离出T细胞，</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">而后</span>采用基因工程技术对其进行激活强化、体外扩增，</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">形成CAR-T细胞，最后送回<span style="color: black;">病人</span><span style="color: black;">身体</span>。</p>
<div style="color: black; text-align: left; margin-bottom: 10px;"><img src="https://pic3.zhimg.com/80/v2-7f9fdf5bea501429b7cf4a9f81b5f22a_720w.webp" style="width: 50%; margin-bottom: 20px;"></div>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">相比于人体的T细胞，CAR-T细胞能够<span style="color: black;">精细</span>识别癌细胞，</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">从而<span style="color: black;">能够</span>更快更<span style="color: black;">有效</span>消除癌细胞，<span style="color: black;">最后</span>实现癌细胞“清零”，<span style="color: black;">极重</span>减轻了病人的痛苦。</p>
<h2 style="color: black; text-align: left; margin-bottom: 10px;">02、120万的抗癌药，<span style="color: black;">医疗保险</span>能报销吗？</h2>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">很遗憾，<span style="color: black;">截止</span><span style="color: black;">日前</span>，阿基伦赛注射液（奕凯达）还<span style="color: black;">无</span>纳入<span style="color: black;">医疗保险</span>报销范围。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">去年7月份，奕凯达<span style="color: black;">经过</span>国家<span style="color: black;">医疗保险</span>局初步形式审查，</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">但去年11月份<span style="color: black;">最后</span>的复审和谈判<span style="color: black;">周期</span>，<span style="color: black;">无</span><span style="color: black;">经过</span>。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">其实这<span style="color: black;">亦</span>是<span style="color: black;">能够</span>预见的结果，</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">国家<span style="color: black;">医疗保险</span>要服务于14亿人的庞大群体，</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">每个人都有<span style="color: black;">必须</span>，<span style="color: black;">因此</span><span style="color: black;">每一个</span>人分到的额度<span style="color: black;">亦</span>有限。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">CAR-T<span style="color: black;">药品</span>不仅昂贵，适应的患病人群<span style="color: black;">亦</span>相对较少，</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">上百万的药加进<span style="color: black;">医疗保险</span>，其他普通病人的份额肯定会被挤占，</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">不符合<span style="color: black;">医疗保险</span>的普惠、公平原则。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">况且</span>就算CAR-T天价药纳入<span style="color: black;">医疗保险</span>，</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">普通人<span style="color: black;">亦</span>未必能承担得起，</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">假设120万，社保帮忙报销30万，还剩90万，<span style="color: black;">包袱</span>还是非常重。</p>
<h2 style="color: black; text-align: left; margin-bottom: 10px;">03、120万的药，<span style="color: black;">商场</span>保险能保吗？</h2>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">值得高兴的是，<span style="color: black;">商场</span>保险中的百万医疗险、抗癌特药险等，</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">非常多</span>都<span style="color: black;">能够</span>报销CAR-T<span style="color: black;">药品</span>治疗费。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">由于</span> CAR-T属于肿瘤免疫疗法，大部分百万医疗险都<span style="color: black;">包括</span>这项<span style="color: black;">保证</span>。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">但要<span style="color: black;">重视</span>，</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">不是所有<span style="color: black;">保证</span>肿瘤免疫疗法的百万医疗险，</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">都能报销阿基伦赛注射液。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">由于</span>这款<span style="color: black;">药品</span>在国内上市时间不长，</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">医院没药的话，只能在医院外特定的药店、<span style="color: black;">公司</span><span style="color: black;">才可</span>买到，</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">在医院范围外买药，就<span style="color: black;">必须</span>格外留意买的百万医疗险有<span style="color: black;">无</span>外购药<span style="color: black;">保证</span>，</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">以及外购药报销范围包不<span style="color: black;">包括</span>阿基伦赛注射液。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">倘若</span><span style="color: black;">包括</span>，就算医院没药，去医院外的药店、<span style="color: black;">公司</span>买药，<span style="color: black;">亦</span><span style="color: black;">能够</span>报销。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">总而言之，</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">倘若</span>看重抗癌针<span style="color: black;">保证</span>的话，</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">挑选<span style="color: black;">制品</span>时，</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">最好要找有外购药<span style="color: black;">保证</span>，<span style="color: black;">同期</span>外购药范围<span style="color: black;">包括</span>阿基伦赛注射液的<span style="color: black;">制品</span>。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">太平洋蓝<span style="color: black;">医疗保险</span>、<span style="color: black;">安全</span>e生保<span style="color: black;">长时间</span>医疗保险、尊享e生2022等多款百万医疗险，</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">还有部分地区的惠民保<span style="color: black;">制品</span>，都能报销CAR-T<span style="color: black;">药品</span>。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">想<span style="color: black;">仔细</span><span style="color: black;">认识</span><span style="color: black;">制品</span>的<span style="color: black;">伴侣</span>，<span style="color: black;">能够</span>直接找我。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">120万很贵，但看到治愈的曙光总是值得高兴的。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">最<span style="color: black;">要紧</span>的是，提前做好<span style="color: black;">保证</span>规划，<span style="color: black;">即时</span>转移<span style="color: black;">危害</span>。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">我是排排君，<span style="color: black;">平常</span>分享保险干货，真诚传递保险善意。<span style="color: black;">倘若</span>内容对你有用，欢迎点赞支持，有任何保险问题<span style="color: black;">能够</span>随时找我~</p>
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