120万一针的抗癌药，谁打的起？
<div style="color: black; text-align: left; margin-bottom: 10px;"><img src="https://pic4.zhimg.com/80/v2-8f563fcd78d086255b41f503a7a2e727_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>得了癌症，救命药<strong style="color: blue;">120万</strong>
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<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">一针，你打不打？</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">近期</span>一则<span style="color: black;">资讯</span>上了<strong style="color: blue;">热搜</strong>：“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”。<span style="color: black;">信息</span>一出就登上了各大<span style="color: black;">媒介</span>的头条。</p>
<div style="color: black; text-align: left; margin-bottom: 10px;"><img src="https://pic2.zhimg.com/80/v2-45ce73bdc9d4a97e950f751d509dbc35_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;">什么灵丹妙药能<strong style="color: blue;">两个月清零癌细胞</strong>？竟然120万这么贵，家里没矿的普通老<span style="color: black;">大众</span>谁打得起啊！一时间网友们议论纷纷。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">有这些疑问其实很正常，<span style="color: black;">始终</span><span style="color: black;">败兴</span>，<strong style="color: blue;">癌症几乎和死亡划上等号</strong>。“癌症”两个字，<span style="color: black;">寓意</span>着正常生活的结束，<span style="color: black;">巨额</span>的治疗<span style="color: black;">花费</span>，焦头烂额的家人，以及就算<span style="color: black;">存活</span><span style="color: black;">亦</span>大大下降的生活质量。</p>
<h1 style="color: black; text-align: left; margin-bottom: 10px;">01</h1>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><strong style="color: blue;">什么药这么牛？这么贵值不值？</strong></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">此刻</span><span style="color: black;">咱们</span>就来认识一下中国<span style="color: black;">第1</span>个“吃螃蟹”的人——陈阿姨。陈阿姨是一个弥漫性大B细胞淋巴瘤（DLBCL）<span style="color: black;">病人</span>，她接受<strong style="color: blue;">CAR-T</strong>治疗被<span style="color: black;">评定</span>症状完全缓解后，从上海交通大学医学院<span style="color: black;">附庸</span>瑞金医院血液科出院。</p>
<div style="color: black; text-align: left; margin-bottom: 10px;"><img src="https://pic2.zhimg.com/80/v2-3e00c506cce8df61b24ab9bcea56e7e5_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又被<span style="color: black;">叫作</span>为<strong style="color: blue;">嵌合抗原受体T淋巴细胞疗法</strong>。T细胞是<span style="color: black;">每一个</span>人身体中都有的一种免疫细胞，<span style="color: black;">能够</span>杀死病毒和癌细胞。咱们先来<span style="color: black;">瞧瞧</span>CAR-T的治疗<span style="color: black;">过程</span>：</p>
<div style="color: black; text-align: left; margin-bottom: 10px;"><img src="https://pic4.zhimg.com/80/v2-d7b0cef8c97b1f96cc8ae42fbe63cf3b_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;">从癌症<span style="color: black;">病人</span>身上<strong style="color: blue;">分离提取出免疫T细胞</strong>；</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">导入能编码识别癌细胞的受体基因和激活T细胞的各基因片段，使改造后的T细胞<strong style="color: blue;">既能精准识别癌细胞，又<span style="color: black;">持有</span>杀死癌细胞的强效武器</strong>；</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">对这种<span style="color: black;">拥有</span>抗癌性的T细胞进行<strong style="color: blue;">体外扩增培养</strong>，细胞个数<span style="color: black;">最少</span>几十亿，<span style="color: black;">乃至</span>上百亿；</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">将改造完成的T细胞<strong style="color: blue;">重新输入病人<span style="color: black;">身体</span>，完成抗癌</strong>。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">与传统的放化疗相比，CAR-T的<strong style="color: blue;"><span style="color: black;">优良</span>非常<span style="color: black;">显著</span></strong>，<span style="color: black;">能够</span>说是又快又好：</p>
<div style="color: black; text-align: left; margin-bottom: 10px;"><img src="https://pic3.zhimg.com/80/v2-76846af940ced448c27b5824cbd09872_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;">效果好到一针下去就能救命，还不会杀死健康细胞，治疗的过程没<span style="color: black;">那样</span>痛苦，还找不到其他替代<span style="color: black;">药品</span>，这么一看<span style="color: black;">好似</span>还<strong style="color: blue;">挺值</strong>的？</p>
<h1 style="color: black; text-align: left; margin-bottom: 10px;">02</h1>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><strong style="color: blue;"><span style="color: black;">为何</span>这么贵？</strong></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">陈阿姨用的这种药叫<strong style="color: blue;">阿基伦赛注射液（奕凯达）</strong>，由上海复星凯特生物科技有限<span style="color: black;">机构</span>于今年的6月22日正式<span style="color: black;">得到</span>国家药监局<span style="color: black;">准许</span>，<span style="color: black;">作为</span>国内首款上市的CAR-T疗法。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">一针68ml的注射液，定价120万。加上其他的治疗<span style="color: black;">花费</span>，差不多在<strong style="color: blue;">200万</strong><span style="color: black;">上下</span>。</p>
<div style="color: black; text-align: left; margin-bottom: 10px;"><img src="https://pic3.zhimg.com/80/v2-5c70152ac5ab226522227ab1e06cf99a_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;">之<span style="color: black;">因此</span>会这么贵，是<span style="color: black;">由于</span>：</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">1<span style="color: black;">开发</span>成本高</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">截止今年5月，复星凯特累计投入<span style="color: black;">开发</span>的成本约为人民币<strong style="color: blue;"> 6.75亿</strong>元。<span style="color: black;">开发</span>投入这么高，价格昂贵似乎是必然的。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">不止奕凯达，在美国上市的几款CAR-T疗法价格都在37.3-47.5万美元之间，折合人民币<strong style="color: blue;">240-306万</strong>。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">2治疗过程私人订制</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">从上面的治疗<span style="color: black;">过程</span>就<span style="color: black;">能够</span>看出，<span style="color: black;">全部</span>过程<span style="color: black;">必须</span>量身定制，即使是得同一种病的<span style="color: black;">病人</span>，即使是同一靶点，<span style="color: black;">由于</span>基因设计和制作工艺的不同，<strong style="color: blue;"><span style="color: black;">不可</span>直接照搬，<span style="color: black;">没</span>法量产。</strong></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">3生产<span style="color: black;">需求</span>高</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">做为</span>活细胞<span style="color: black;">药物</span>，<span style="color: black;">全部</span>生产过程对<strong style="color: blue;">环境洁净度<span style="color: black;">需求</span>很高</strong>。<span style="color: black;">每一个</span><span style="color: black;">病人</span>都是一个独立的批次，<span style="color: black;">每一个</span>批次<span style="color: black;">制品</span>都<span style="color: black;">必要</span>全面检测，以最大程度的<span style="color: black;">保准</span>临床<span style="color: black;">运用</span>的安全和疗效。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">同期</span>还要<span style="color: black;">保准</span>较短的生产周期，较高的成功率，这些都<span style="color: black;">仅有</span><strong style="color: blue;">极其严谨的生产工艺和极其严格的质量把控</strong><span style="color: black;">才可</span>做到。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">4适用范围窄</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">奕凯达<span style="color: black;">重点</span>适用于<strong style="color: blue;">血液肿瘤</strong>，<span style="color: black;">倘若</span>是胃癌、肺癌、肝癌这类恶性肿瘤，是不适用的。且CAR-T疗法<span style="color: black;">通常</span>用于末线肿瘤<span style="color: black;">病人</span>，即用其他的治疗方式都<span style="color: black;">已然</span><span style="color: black;">功效</span>不大的“<span style="color: black;">没</span>药可用<span style="color: black;">病人</span>”。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">因此呢</span>它的市场空间并不大，<span style="color: black;">因此</span><strong style="color: blue;">很难<span style="color: black;">作为</span>一种<span style="color: black;">广泛</span><span style="color: black;">运用</span>的抗癌药</strong>。由此看来120万一针并不是漫天要价，是这种疗法本身就不可能走薄利多销的路线。</p>
<h1 style="color: black; text-align: left; margin-bottom: 10px;">03</h1>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><strong style="color: blue;">这么贵的药，谁打得起？</strong></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">120万一针，社保肯定是不报销的，家里没矿的老<span style="color: black;">大众</span>想要<span style="color: black;">处理</span>“救命钱”似乎<span style="color: black;">仅有</span><strong style="color: blue;">靠保险</strong>了。那这种<span style="color: black;">状况</span>保险给不给赔呢？</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">1重疾险</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">恶性肿瘤属于确诊即赔的重疾，只要在二级及以上公立医院确诊恶性肿瘤，就<span style="color: black;">能够</span><strong style="color: blue;">赔付一笔钱</strong>。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">2医疗险</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">仅有</span><strong style="color: blue;">含有院外特药且<span style="color: black;">药物</span><span style="color: black;">名单</span>将其<span style="color: black;">包括</span>在内</strong>的医疗险才<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;"><span style="color: black;">经过</span>比较，<span style="color: black;">日前</span><span style="color: black;">仅有</span><strong style="color: blue;"><span style="color: black;">安全</span>健康的<span style="color: black;">安全</span>e生保<span style="color: black;">长时间</span>医疗险（费率可调）和复星联合的超越保2020</strong>将CAR-T疗法纳入了报销范围。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">在<span style="color: black;">安全</span>e生保<strong style="color: blue;">《<span style="color: black;">基本</span><span style="color: black;">药物</span><span style="color: black;">名单</span>》</strong>中<span style="color: black;">能够</span>找到奕凯达：</p>
<div style="color: black; text-align: left; margin-bottom: 10px;"><img src="https://pic2.zhimg.com/80/v2-d18bc0c1176d02f16671333c8b9f7029_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;">超越保2020在<strong style="color: blue;">《恶性肿瘤院外特药》表</strong>里<span style="color: black;">能够</span>找到奕凯达：</p>
<div style="color: black; text-align: left; margin-bottom: 10px;"><img src="https://pic3.zhimg.com/80/v2-63c3e0d7806a8a511c9de0855185fed2_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;">这两款医疗险都很便宜，以30岁为例，一年<strong style="color: blue;">两百多元的保费，就<span style="color: black;">能够</span>覆盖掉120万的天价药费</strong>，家里没矿的普通老<span style="color: black;">大众</span><span style="color: black;">同样</span>打得起！</p>
<h1 style="color: black; text-align: left; margin-bottom: 10px;">04</h1>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><strong style="color: blue;">写在最后</strong></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">想要对抗<span style="color: black;">疾患</span>，健康的生活方式，良好的<span style="color: black;">心理</span>，<span style="color: black;">即时</span>充足的<span style="color: black;">保证</span>，都是必不可少的。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">几百元的医疗险谁都<span style="color: black;">能够</span><span style="color: black;">包袱</span>得起，却给生命<span style="color: black;">供给</span>了继续下去的机会。积极面对，<strong style="color: blue;">未雨绸缪</strong>，<span style="color: black;">才可</span>不被突如其来的意外打倒。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">最后，祝大家<span style="color: black;">持有</span><span style="color: black;">保证</span>，<span style="color: black;">没</span>惧风雨！</p>
<div style="color: black; text-align: left; margin-bottom: 10px;"><img src="https://pic2.zhimg.com/80/v2-64205ba043443a17e2c389482e83c489_720w.webp" style="width: 50%; margin-bottom: 20px;"></div>
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