120万一针的抗癌药，普通家庭亦能用得起
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">近期</span>120万一针的抗癌药，刷爆了网络。</p>
<div style="color: black; text-align: left; margin-bottom: 10px;"><img src="https://pic3.zhimg.com/80/v2-6b1f5ca35ee00b3fe5ab5d8ddf5be5a2_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;">一针打下去，2个月<span style="color: black;">身体</span>的癌细胞就会“清零”，癌症就<span style="color: black;">能够</span>彻底治愈。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">大众</span>纷纷找二师姐求证，癌症真的<span style="color: black;">能够</span>彻底治愈？这到底是什么神药？</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">先说一下：</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">120万一针治愈癌症，是夸大了！</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">这其实是CAR-T疗法，一种治疗癌症的手段，并不是所有的癌症都适合。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">大众</span>要理性看待120万一针的天价药。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">1</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"> 什么是CAR-T疗法？</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">中文名字叫——嵌合抗原受体T细胞免疫疗法。</p>
<div style="color: black; text-align: left; margin-bottom: 10px;"><img src="https://pic3.zhimg.com/80/v2-e41660cdd958c24e327cb8697ed683ba_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;">亦</span><span style="color: black;">便是</span>说，CAR-T疗法压根不是一种药，而是一种细胞疗法。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">CAR-T，<span style="color: black;">能够</span>拆分成CAR和T。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">T细胞，你<span style="color: black;">能够</span>把它理解成是个普通士兵。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">CAR-T免疫细胞疗法，是把T细胞改<span style="color: black;">导致</span>——“狙击手”CAR-T免疫细胞。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">简单<span style="color: black;">来讲</span>，是<span style="color: black;">这般</span>改造的：</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">先把<span style="color: black;">病人</span><span style="color: black;">身体</span>的T细胞抽取出来，利用基因工程技术对“普通士兵”T细胞进行改造——让它变成“狙击手”CAR-T免疫细胞。</p>
<div style="color: black; text-align: left; margin-bottom: 10px;"><img src="https://pic2.zhimg.com/80/v2-a6e08ced0a231dc5f30a74f70b706b9d_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;">“狙击手”CAR-T免疫细胞，<span style="color: black;">能够</span><span style="color: black;">精细</span>打击消灭癌细胞。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">CAR-T是癌症治疗的一次革命性突破，改变了不少癌症<span style="color: black;">病人</span>的命运。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">其中最具<span style="color: black;">表率</span>性的，是<span style="color: black;">全世界</span><span style="color: black;">第1</span>个接受CAR-T治疗的实验者Emily Whitehead。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">白血病<span style="color: black;">病人</span>Emily被迫尝试CAR-T治疗，到今年<span style="color: black;">已然</span><span style="color: black;">恢复</span>9年了，复查时<span style="color: black;">无</span>任何癌症！</p>
<div style="color: black; text-align: left; margin-bottom: 10px;"><img src="https://pic3.zhimg.com/80/v2-eba4ddc1c582f77597266db371ee33de_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;">2</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">不外</span><span style="color: black;">大众</span>要理性看待CAR-T疗法。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">它和<span style="color: black;">日前</span>治疗癌症的其他手段<span style="color: black;">同样</span>，并不是万能的，不是所有癌症都能彻底治愈。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">日前</span>治疗癌症的<span style="color: black;">平常</span>手段，有这6种：</p>
<div style="color: black; text-align: left; margin-bottom: 10px;"><img src="https://pic2.zhimg.com/80/v2-744e1c2818b212c7339926ff1aa16415_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;">手术治疗，适合治疗<span style="color: black;">初期</span>癌症。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">化疗、放疗，</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">杀死癌细胞的<span style="color: black;">同期</span>，<span style="color: black;">亦</span>会杀死不少正常细胞，副<span style="color: black;">功效</span>比<span style="color: black;">很强</span>。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">靶向药疗法，是<span style="color: black;">经过</span><span style="color: black;">药品</span>，让癌症<span style="color: black;">病人</span>活的久一点。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">质子重离子，能<span style="color: black;">精细</span>的杀死癌细胞。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">但它只适合<span style="color: black;">无</span>远处转移，局限在某一部位的癌症。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">况且</span>医院太少了，国内<span style="color: black;">仅有</span>几家医院，<span style="color: black;">全世界</span>范围内<span style="color: black;">亦</span>就100多家。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">因此</span><span style="color: black;">能够</span>看到，<span style="color: black;">日前</span>治疗癌症的手段，都有局限性。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">CAR-T疗法<span style="color: black;">亦</span>有两大局限：</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"> 1、CAR-T疗法不是所有的癌症都能治 </p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">有癌症<span style="color: black;">病人</span>被治愈成功，并不<span style="color: black;">表率</span>能治愈所有的癌症。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">CAR-T疗法<span style="color: black;">日前</span>的临床应用，仅限于血液瘤<span style="color: black;">行业</span>。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">例如</span>：白血病、淋巴瘤、骨髓瘤。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">在白血病和淋巴瘤中取得成功后，<span style="color: black;">亦</span>尝试用CAR-T治疗实体瘤。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">例如</span>治疗肺癌、肝癌、结直肠癌，但效果并<span style="color: black;">不睬</span>想。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">因此</span>不要把CAR-T疗法妖魔化，<span style="color: black;">茫然</span>吹捧能包治百病。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">CAR-T疗法，<span style="color: black;">亦</span>是有<span style="color: black;">危害</span>的，<span style="color: black;">大众</span>要小心。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"> 2、CAR-T疗法是一对一私人定制，太贵了 </p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">CAR-T是个人定制的细胞疗法，<span style="color: black;">每一个</span><span style="color: black;">病人</span>都是单独提取和培养T细胞。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">每一个</span><span style="color: black;">病人</span>的CAR-T细胞，<span style="color: black;">亦</span>得单独生产。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">全程一对一私人定制，没法快速、大规模批量生产，<span style="color: black;">因此</span>成本很高。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">这才有了120万一针的阿基仑赛注射液：</p>
<div style="color: black; text-align: left; margin-bottom: 10px;"><img src="https://pic2.zhimg.com/80/v2-b6536873407b2fd59cf7feddf52c442d_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;">倘若</span>加上CAR-T疗法中的配套治疗手段，<span style="color: black;">花费</span>接近200万。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">对大<span style="color: black;">都数</span>人<span style="color: black;">来讲</span>，这个价格太贵了。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">3</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">CAR-T疗法给白血病、淋巴瘤、骨髓瘤<span style="color: black;">病人</span>带来了<span style="color: black;">期盼</span>。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"> 普通人要<span style="color: black;">怎样</span>实现CAR-T自由？</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">上面聊到的CAR-T疗法，<span style="color: black;">药物</span>名叫“阿基仑赛注射液”，是复星凯特研制的。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">2021年6月23日，正式<span style="color: black;">得到</span>国家<span style="color: black;">药物</span>监督管理局<span style="color: black;">准许</span>上市。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">是我国国内首款CAR-T疗法<span style="color: black;">药物</span>——<span style="color: black;">重点</span>用于治疗淋巴瘤成人<span style="color: black;">病人</span>。</p>
<div style="color: black; text-align: left; margin-bottom: 10px;"><img src="https://pic3.zhimg.com/80/v2-cd67bc3e8387cb0ee6fb3e164623cf02_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;">给<span style="color: black;">大众</span>说个好<span style="color: black;">信息</span>，我看到阿基仑赛注射液，进入到2021年<span style="color: black;">医疗保险</span>谈判的环节了。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">倘若</span>谈判成功，就<span style="color: black;">能够</span>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;">7月31日，国家<span style="color: black;">医疗保险</span>局<span style="color: black;">颁布</span>了一则《关于公示2021年国家<span style="color: black;">医疗保险</span><span style="color: black;">药物</span>目录<span style="color: black;">调节</span><span style="color: black;">经过</span>初步形式审查<span style="color: black;">药物</span>及信息的公告》：</p>
<div style="color: black; text-align: left; margin-bottom: 10px;"><img src="https://pic2.zhimg.com/80/v2-992f2e35ea5a8e362eb92584326a5f4d_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;">其中就有CAR-T疗法的阿基仑赛注射液。</p>
<div style="color: black; text-align: left; margin-bottom: 10px;"><img src="https://pic2.zhimg.com/80/v2-0bf719148cd7a9eea19df8761393d1f5_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;">医疗保险</span>局的霸气砍价，<span style="color: black;">大众</span>都见识过。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">不外</span>120万一针的阿基仑赛注射液，就算能砍价到一半，<span style="color: black;">亦</span>要花60万。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">家里没矿的普通人，<span style="color: black;">基本</span>用不起。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">不外</span>，另一个好<span style="color: black;">信息</span>是，有几款为数不多的百万医疗险，居然<span style="color: black;">能够</span>报销CAR-T的<span style="color: black;">花费</span>。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">我翻了几十款百万医疗险的条款，<span style="color: black;">发掘</span><a style="color: black;">超越保2020</a>、<a style="color: black;">尊</a>享e生2021系列、<a style="color: black;"><span style="color: black;">安全</span>e生保<span style="color: black;">长时间</span>医疗险</a>附加特药服务、药神一号，<span style="color: black;">能够</span>帮普通家庭实现CAR-T自由。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">就拿复星联合的超越保2020<span style="color: black;">来讲</span>，不愧是复星集团旗下的<span style="color: black;">制品</span>。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">早在今年7月，就官宣<span style="color: black;">能够</span>用阿基仑赛注射液。</p>
<div style="color: black; text-align: left; margin-bottom: 10px;"><img src="https://pic4.zhimg.com/80/v2-592b69bf38f712ce7dbf909e3a4f4a1b_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;">我看了超越保2020的保险条款，<span style="color: black;">药物</span><span style="color: black;">名单</span>里<span style="color: black;">亦</span>把它明明白白地加进来了。</p>
<div style="color: black; text-align: left; margin-bottom: 10px;"><img src="https://pic4.zhimg.com/80/v2-73b3457cb8bf8ab1127a271a72af03db_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;">倘若</span>你<span style="color: black;">已然</span>投保了上面<span style="color: black;">说到</span>的百万医疗险，<span style="color: black;">必须</span>用到时，<span style="color: black;">能够</span>报销CAR-T<span style="color: black;">药品</span>的<span style="color: black;">花费</span>。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">一年最高报销几百万，完全够用了。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">这些百万医疗险<span style="color: black;">亦</span>很便宜，30岁的话，一年只要两三百块，普通人完全消费得起。</p>
<div style="color: black; text-align: left; margin-bottom: 10px;"><img src="https://pic4.zhimg.com/80/v2-6044b4889ee7cd8419ce17cbc48e8a5f_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;">CAR-T给了淋巴瘤<span style="color: black;">病人</span>带来了<span style="color: black;">期盼</span>，<span style="color: black;">这儿</span>给<span style="color: black;">研究</span>人员点赞。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">面对癌症<span style="color: black;">危害</span>，<span style="color: black;">咱们</span><span style="color: black;">亦</span><span style="color: black;">能够</span>未雨绸缪。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">提前给自己配置百万医疗险，让自己有钱消费得起这份<span style="color: black;">期盼</span>。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">4</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">在二师姐看来，<span style="color: black;">青年</span>的时候，还是<span style="color: black;">必须</span>配齐全方位的<span style="color: black;">保证</span>。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">例如</span>重疾险、医疗险、意外险和<span style="color: black;">定时</span>寿险。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">我<span style="color: black;">亦</span><span style="color: black;">始终</span>强调，买保险要看条款，<span style="color: black;">由于</span><span style="color: black;">仅有</span>仔细<span style="color: black;">认识</span>，看准了合同，<span style="color: black;">才可</span><span style="color: black;">处理</span>这类大额开支。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">就<span style="color: black;">例如</span>阿基仑赛注射液，<span style="color: black;">倘若</span>你的百万医疗险保它的话，会<span style="color: black;">即时</span>更新到合同里。</p>
你的见解真是独到，让我受益匪浅。 楼主的文章深得我心，表示由衷的感谢！
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