120万一针「天价药」，2个月消灭「癌细胞」，普通人何时能用上？
<span style="color: black;">点击<span style="color: black;">“简保君”</span>，后台回复<span style="color: black;">“礼包”</span></span><span style="color: black;">领<span style="color: black;">取</span><span style="color: black;">“</span><span style="color: black;">199元的保险大礼包</span><span style="color: black;">”</span></span><img src="https://mmbiz.qpic.cn/sz_mmbiz_jpg/j0PKIibHia86zWnG9hbAtSzarWyttqwdCZoduJSzbwZn4RyauZibAfNeYttbAURXBXdDDJn6dmyID4YfJejqaZmTA/640?wx_fmt=jpeg&tp=webp&wxfrom=5&wx_lazy=1&wx_co=1" style="width: 50%; margin-bottom: 20px;"><span style="color: black;"><span style="color: black;">这是简保君公众号的第</span><span style="color: black;"><strong style="color: blue;"><strong style="color: blue;"> 501 </strong></strong></span><span style="color: black;">篇原创<span style="color: black;">文案</span></span></span><span style="color: black;"><span style="color: black;">大众</span>好，我是简保君。</span><span style="color: black;"><span style="color: black;">近期</span>网上有个很火的<span style="color: black;">资讯</span>——</span><span style="color: black;">陈阿姨在两年前确诊弥漫性B大细胞瘤，两年下来，治疗效果<span style="color: black;">亦</span><span style="color: black;">不睬</span>想。</span><span style="color: black;">6月份，CAR-T细胞治疗法在我国<span style="color: black;">获准</span>上市，这给陈阿姨带来了一线生机</span><span style="color: black;">。</span><span style="color: black;">6月30日，医疗团队为陈阿姨单采细胞，8月2日，又把CAR-T细胞回输回陈阿姨<span style="color: black;">身体</span>。</span><span style="color: black;">8月下旬，<span style="color: black;">检测</span><span style="color: black;">发掘</span>陈阿姨<span style="color: black;">身体</span>暂时<span style="color: black;">无</span>癌细胞，症状完全得到了缓解。</span><span style="color: black;">8月26日，陈阿姨出院回家了。</span><span style="color: black;"><span style="color: black;">认识</span>到这则<span style="color: black;">资讯</span>后，<span style="color: black;">大众</span>瞬间就沸腾了：</span><span style="color: black;"><strong style="color: blue;">这是不是宣告癌症从此被<span style="color: black;">解决</span>了？</strong></span><span style="color: black;">紧接着，一张天价账单被扒出，</span><span style="color: black;"><strong style="color: blue;"><span style="color: black;">这么一剂68ml的药，居然要120万</span></strong></span><span style="color: black;">，<span style="color: black;">况且</span>社保外，全自费。</span><span style="color: black;"><span style="color: black;">刚才</span>燃起的<span style="color: black;">期盼</span>，<span style="color: black;">好似</span>又被浇了一桶水。</span><img src="https://mmbiz.qpic.cn/sz_mmbiz_png/j0PKIibHia86wAM3jSyVZqVNBRzlPpj8lGNcavudlCJiaicvq0jSWHga4T5DdZEQricbs16A1V7mCibygeehqWo1nZEQ/640?wx_fmt=png&tp=webp&wxfrom=5&wx_lazy=1&wx_co=1" style="width: 50%; margin-bottom: 20px;"><span style="color: black;">*图</span><span style="color: black;">源：财经网</span><p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><img src="https://mmbiz.qpic.cn/sz_mmbiz_jpg/j0PKIibHia86xibxiaJEsuIvbecsoiao7DaSO4DonicXPtoGvcteHzmVAA5iavoHibtt1WuQfUibFibdjw0wGduCM51iaibHdA/640?wx_fmt=jpeg&tp=webp&wxfrom=5&wx_lazy=1&wx_co=1" style="width: 50%; margin-bottom: 20px;"></p><strong style="color: blue;">CAR-T到底是什么</strong><span style="color: black;">CAR-T到底是什么，<span style="color: black;">为何</span>这么神奇，<span style="color: black;">能够</span>消灭阿姨<span style="color: black;">身体</span>的癌细胞呢？</span><span style="color: black;">CAR-T，中文叫做</span><strong style="color: blue;"><span style="color: black;">嵌合抗原受体T细胞（CAR-T细胞）</span></strong><span style="color: black;">治疗，是属于肿瘤细胞免疫疗法。</span><span style="color: black;"><span style="color: black;">咱们</span>身体里的免疫系统就像一支军队，<span style="color: black;">帮忙</span>抵抗着外来的入侵者，<span style="color: black;">例如</span>癌细胞<span style="color: black;">便是</span>由正常细胞变异产生的<img src="https://mmbiz.qpic.cn/sz_mmbiz_png/j0PKIibHia86wAM3jSyVZqVNBRzlPpj8lGk1HVRwdxDccB8cymNqaryJO48pGFgCsGuwkXmwFNrDDOibVxjOXYUicg/640?wx_fmt=png&tp=webp&wxfrom=5&wx_lazy=1&wx_co=1" style="width: 50%; margin-bottom: 20px;"></span><span style="color: black;"><span style="color: black;">正常<span style="color: black;">状况</span>下，T细胞<span style="color: black;">能够</span>消灭癌细胞；</span></span><span style="color: black;"><span style="color: black;">可是<span style="color: black;">倘若</span>敌人太强大，就干<span style="color: black;">不外</span>了。</span></span>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><img src="https://mmbiz.qpic.cn/sz_mmbiz_jpg/j0PKIibHia86wAM3jSyVZqVNBRzlPpj8lG2waML1HKw59iaREV4iba7aUNDl9HcRAqPdSzbpYTFOVtTKQTzbA5GOOg/640?wx_fmt=jpeg&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;">慢慢就发展成癌症了……</span></span></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;">干<span style="color: black;">不外</span>就叫人呗~</span></span></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;"><span style="color: black;">此时</span>候CAR-T就登场了，</span></span></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;"><span style="color: black;">将CAR与T细胞结合，</span><span style="color: black;">产生CAR-T细胞。</span></span></span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><img src="https://mmbiz.qpic.cn/sz_mmbiz_png/j0PKIibHia86wAM3jSyVZqVNBRzlPpj8lGIVibickyR5e9N8MIXJbBIwywb9qtgNib6UAL0oZjB7llfFanuoT1Lt0iaw/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;">而后</span>复制粘贴，变成CAR-T军团。</span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><img src="https://mmbiz.qpic.cn/sz_mmbiz_jpg/j0PKIibHia86wAM3jSyVZqVNBRzlPpj8lGmqxucqTv44X22qMWl7pibCuNlJ5MrLIAO0Xd0mIicC3kW4IL6wvZOJcQ/640?wx_fmt=jpeg&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;">搞定收工。</span></p><img src="https://mmbiz.qpic.cn/sz_mmbiz_png/j0PKIibHia86wAM3jSyVZqVNBRzlPpj8lGWh1VZFrkjqNzJ46icUMJS7QxGBsQicJHWHgmzrJiaR1MzT6kic1TWLYYicg/640?wx_fmt=png&tp=webp&wxfrom=5&wx_lazy=1&wx_co=1" style="width: 50%; margin-bottom: 20px;">
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><img src="https://mmbiz.qpic.cn/sz_mmbiz_jpg/j0PKIibHia86xibxiaJEsuIvbecsoiao7DaSONebiaeaUnEyv6ArF2SmpBYxibUsop1efJ9cgtJrUZSLd8deOyDoMOeSg/640?wx_fmt=jpeg&tp=webp&wxfrom=5&wx_lazy=1&wx_co=1" style="width: 50%; margin-bottom: 20px;"></p><span style="color: black;"><strong style="color: blue;"><span style="color: black;">这个药以后会不会便宜 </span></strong></span><span style="color: black;">可是，一剂小小的药水，就要一套房的钱，<span style="color: black;">到底</span>为什么这么贵啊？<span style="color: black;">倘若</span>以后进<span style="color: black;">医疗保险</span>，会不会变便宜吗？</span><span style="color: black;"><strong style="color: blue;"><span style="color: black;"><strong style="color: blue;">1） <span style="color: black;">为何</span>这么贵？</strong></span></strong></span><span style="color: black;"><span style="color: black;">非常多</span><span style="color: black;">伴侣</span>都在问，这个药<span style="color: black;">到底</span>贵在什么<span style="color: black;">地区</span>？这么一袋液体能值几个钱？</span>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">在医药行业，成本可不是光看制<span style="color: black;">导致</span>本的，大头<span style="color: black;">常常</span>是<span style="color: black;">开发</span>。</span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">今年6月，复星凯特旗下阿基仑赛注射液正式<span style="color: black;">得到</span>NMPA<span style="color: black;">准许</span>上市；针对该<span style="color: black;">制品</span>累计<span style="color: black;">开发</span>投入就花了<strong style="color: blue;"> 6.75亿元。</strong></span></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;"><span style="color: black;">昂贵</span>的<span style="color: black;">开发</span>成本下，定价必然不会便宜。</span></span></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;">况且</span>，这个药<span style="color: black;">必须</span><span style="color: black;">协同</span>CAR-T疗法，在<span style="color: black;">各样</span><span style="color: black;">繁杂</span>的临床技术操作下，<span style="color: black;">必须</span>投入的人力物力财力，都是巨大的。</span></p><span style="color: black;"><span style="color: black;">由于</span>CAR-T<span style="color: black;">没</span>法<span style="color: black;">做为</span>通用药，<span style="color: black;">每一个</span>批次都是<span style="color: black;">按照</span><span style="color: black;">病人</span>的</span><span style="color: black;"><strong style="color: blue;">个人<span style="color: black;">状况</span>，进行专属定制。</strong></span><span style="color: black;">之前，类似的有</span><span style="color: black;">70万一支天价药“诺西那生钠注射液”</span><span style="color: black;">上过热搜：<a style="color: black;">70万天价药</a></span><span style="color: black;"><strong style="color: blue;"><span style="color: black;"><strong style="color: blue;">2） 进<span style="color: black;">医疗保险</span>是<span style="color: black;">最后</span>归宿吗</strong></span></strong></span><span style="color: black;">国家<span style="color: black;">医疗保险</span>对<span style="color: black;">每一个</span>人<span style="color: black;">来讲</span>，都是兜底的一层<span style="color: black;">保证</span>，<span style="color: black;">因此</span><span style="color: black;">非常多</span>人都在寄望于——</span><span style="color: black;"><strong style="color: blue;"><span style="color: black;">进了<span style="color: black;">医疗保险</span>是不是就能便宜了？</span></strong></span><span style="color: black;">确实如此，进了<span style="color: black;">医疗保险</span>，价格<span style="color: black;">必定</span>会便宜；就像《药神》里的癌症特效药<span style="color: black;">同样</span>。</span><span style="color: black;"><span style="color: black;">不外</span>衍生新问题<span style="color: black;">亦</span>会产生，在类似特效药进入<span style="color: black;">医疗保险</span>系统后，可能存在反而买不到药的尴尬境地，<span style="color: black;">必须</span><span style="color: black;">经过</span>院外购药。</span><span style="color: black;">关于这一点，我之前<span style="color: black;">亦</span>有跟<span style="color: black;">大众</span><span style="color: black;">仔细</span>聊过了，错过的<span style="color: black;">伴侣</span><span style="color: black;">能够</span>参考：<a style="color: black;">这些「救命药」，进了<span style="color: black;">医疗保险</span>反而买不到</a></span><span style="color: black;"><strong style="color: blue;"><span style="color: black;"><strong style="color: blue;">3） <span style="color: black;">商场</span>保险来帮忙</strong></span></strong></span><span style="color: black;">对大<span style="color: black;">都数</span>普通人<span style="color: black;">来讲</span>，120万<span style="color: black;">已然</span>很贵了，贵到<span style="color: black;">基本</span>拿不出<span style="color: black;">那样</span>多钱。</span><span style="color: black;"><span style="color: black;">或</span>不得不在卖房背债和放弃治疗之间做一个很艰难的<span style="color: black;">选取</span>。</span><span style="color: black;">但其实，有个门槛很低的<span style="color: black;">方法</span>，<span style="color: black;">能够</span>完全规避这种两难的局面，那<span style="color: black;">便是</span>-</span><span style="color: black;"><strong style="color: blue;"><span style="color: black;">商场</span>保险。</strong></span><span style="color: black;"><strong style="color: blue;">1. <span style="color: black;">首要</span>是住院医疗险</strong></span><span style="color: black;"><strong style="color: blue;">，</strong></span><span style="color: black;">每年只要几百元，<span style="color: black;">能够</span>报销400万的额度。</span><span style="color: black;"><span style="color: black;">例如</span>拿这个价值</span><strong style="color: blue;"><span style="color: black;">120万的阿基仑赛注射液</span></strong><span style="color: black;"><span style="color: black;">来讲</span>，在<span style="color: black;">安全</span>e生保<span style="color: black;">长时间</span>医疗险和超越保2020百万医疗险的条款中，都<span style="color: black;">知道</span>说了在<span style="color: black;">保证</span>范围内。</span><span style="color: black;">就算不在<span style="color: black;">医疗保险</span>范围内，就算<span style="color: black;">必须</span>到医院外购药，都<span style="color: black;">能够</span>报销。</span><img src="https://mmbiz.qpic.cn/sz_mmbiz_png/j0PKIibHia86wAM3jSyVZqVNBRzlPpj8lGGKMHfxU17rDMQb5L1UTpozqShI51PjACPHh1qFE5huicjv7lwy8rejw/640?wx_fmt=png&tp=webp&wxfrom=5&wx_lazy=1&wx_co=1" style="width: 50%; margin-bottom: 20px;"><span style="color: black;"><strong style="color: blue;">2.其次是重疾险</strong></span><span style="color: black;">，在<span style="color: black;">病患</span>癌症后，<span style="color: black;">能够</span>一次性赔付一笔钱，这笔钱与医疗险不冲突，<span style="color: black;">能够</span><span style="color: black;">同期</span>理赔。</span><span style="color: black;">这部分钱<span style="color: black;">能够</span>用来弥补不工作<span style="color: black;">导致</span>的收入损失。</span><span style="color: black;"><span style="color: black;">由于</span>癌症比较高发，<span style="color: black;">此刻</span><span style="color: black;">非常多</span>重疾险，<span style="color: black;">针对</span>癌症还会有<span style="color: black;">有些</span>额外赔付的福利政策——</span><span style="color: black;"><span style="color: black;">例如</span></span><span style="color: black;"><span style="color: black;"><strong style="color: blue;">大黄蜂5号</strong></span></span><span style="color: black;">，<span style="color: black;">针对</span><span style="color: black;">孩儿</span>白血病，最高<span style="color: black;">能够</span>赔付300%的基本保额。</span><span style="color: black;"><a style="color: black;">最<span style="color: black;">举荐</span>少儿重疾，来了 | 百万保额，最低812元起</a></span><span style="color: black;">成人<span style="color: black;">亦</span><span style="color: black;">同样</span>，买重疾险时，预算<span style="color: black;">准许</span>的话，<span style="color: black;">思虑</span>二次赔付、癌症津贴、多次重疾等扩展责任。--></span><a style="color: black;">活得越长，越<span style="color: black;">必须</span>这类重疾</a><span style="color: black;"><strong style="color: blue;">3.最后是增额终身寿</strong></span><span style="color: black;"><span style="color: black;">
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">。上面两种保险都对健康有<span style="color: black;">需求</span>，<span style="color: black;">倘若</span>身体<span style="color: black;">原由</span>买不了，<span style="color: black;">能够</span><span style="color: black;">思虑</span>增额终身寿，为自己存一笔应急的钱。</p>
</span></span><span style="color: black;">这笔钱<span style="color: black;">不消</span>等</span><span style="color: black;"><strong style="color: blue;"><span style="color: black;">患病</span>或去世<span style="color: black;">才可</span>用，随时能取用。</strong></span><span style="color: black;"><span style="color: black;">过了开头几年，账户的钱<span style="color: black;">始终</span>会超过所交保费，保本又保收益，不会有亏本<span style="color: black;">危害</span>。</span></span><span style="color: black;">像</span><strong style="color: blue;"><span style="color: black;">金满意足（臻享版）</span></strong><span style="color: black;"><span style="color: black;">制品</span></span><span style="color: black;">还有<span style="color: black;">隐匿</span>福利，<span style="color: black;">能够</span>附加</span><span style="color: black;"><strong style="color: blue;">免疫细胞储蓄健康增值服务</strong></span><span style="color: black;">
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">。</p>
</span><span style="color: black;"><strong style="color: blue;">免疫细胞储蓄</strong>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">：把<span style="color: black;">此刻</span><span style="color: black;">青年</span>健康的T细胞储存起来，<span style="color: black;">将来</span><span style="color: black;">必须</span>用到时取出，<span style="color: black;">经过</span>CAR-T疗法，治疗恶性肿瘤，<span style="color: black;">增多</span>治疗成功率。</p>
</span><span style="color: black;"><span style="color: black;">科普看<span style="color: black;">这儿</span>:<a style="color: black;">1个<span style="color: black;">办法</span>实现，<span style="color: black;">没</span><span style="color: black;">危害</span>本金翻3倍</a></span></span><span style="color: black;"><span style="color: black;">倘若</span><span style="color: black;">大众</span>对<span style="color: black;">制品</span>有什么疑问，<span style="color: black;">能够</span>加我<span style="color: black;">微X</span>咨询。</span>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><img src="https://mmbiz.qpic.cn/sz_mmbiz_jpg/j0PKIibHia86xibxiaJEsuIvbecsoiao7DaSOF8rSN798ndVuiaTiaSNpzx02qdX8Qp3eV7LBxIjkFuV9HUpiaU8M2icWmw/640?wx_fmt=jpeg&tp=webp&wxfrom=5&wx_lazy=1&wx_co=1" style="width: 50%; margin-bottom: 20px;"></p><span style="color: black;"><strong style="color: blue;"><span style="color: black;">癌症是不是被<span style="color: black;">解决</span>了</span></strong></span><span style="color: black;">虽然CAR-T细胞在对抗癌细胞时<span style="color: black;">好似</span>一个超级战士，但<span style="color: black;">日前</span>还局限在部分血液瘤，离癌症被<span style="color: black;">解决</span>还有很长的一段路要走。</span><span style="color: black;">随着科学技术的进步，癌症的治疗手段<span style="color: black;">亦</span>在<span style="color: black;">持续</span><span style="color: black;">加强</span>。</span><span style="color: black;">除了</span><span style="color: black;">CAR-T免疫疗法</span><span style="color: black;">，还有</span><span style="color: black;">靶向药、质子重离子治疗</span><span style="color: black;">等都是比较先进的方式。</span><span style="color: black;"><span style="color: black;"><span style="color: black;">一样</span>的，每一种治疗方式的<span style="color: black;">运用</span>都有前提<span style="color: black;">前提</span>。</span></span><span style="color: black;"><span style="color: black;"><span style="color: black;">例如</span>靶向药<span style="color: black;">便是</span>针对特定基因突变的。在实施前要先做基因测试，寻找“靶点”。</span></span><span style="color: black;"><span style="color: black;">倘若</span>病人发病<span style="color: black;">原由</span>不是<span style="color: black;">因为</span>该基因突变，那只能另寻办法了。</span><span style="color: black;"><span style="color: black;">CAR-T<span style="color: black;">一样</span>如此，<span style="color: black;">咱们</span>要正确的看待像CAR-T这种新型的治疗<span style="color: black;">办法</span>，它带给了病人新的<span style="color: black;">期盼</span>，但<span style="color: black;">亦</span>不是万能药。</span></span><span style="color: black;"><span style="color: black;">同期</span>，<span style="color: black;">亦</span>别看轻像手术、化疗、放疗和中医等治疗<span style="color: black;">方法</span>。癌症<span style="color: black;">初期</span>，被用到概率更高的，依然这些传统<span style="color: black;">方法</span>。</span><span style="color: black;">好啦，今天就先聊到<span style="color: black;">这儿</span>，不<span style="color: black;">晓得</span><span style="color: black;">大众</span>对此有什么看法，欢迎在</span><span style="color: black;"><span style="color: black;"><strong style="color: blue;"><span style="color: black;">【留言区】</span></strong></span></span><span style="color: black;">告诉我。有任何疑问，都<span style="color: black;">能够</span>扫码添加小森老师免费咨询。</span>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><img src="data:image/svg+xml,%3C%3Fxml version=1.0 encoding=UTF-8%3F%3E%3Csvg width=1px height=1px viewBox=0 0 1 1 version=1.1 xmlns=http://www.w3.org/2000/svg xmlns:xlink=http://www.w3.org/1999/xlink%3E%3Ctitle%3E%3C/title%3E%3Cg stroke=none stroke-width=1 fill=none fill-rule=evenodd fill-opacity=0%3E%3Cg transform=translate(-249.000000, -126.000000) fill=%23FFFFFF%3E%3Crect x=249 y=126 width=1 height=1%3E%3C/rect%3E%3C/g%3E%3C/g%3E%3C/svg%3E" style="width: 50%; margin-bottom: 20px;"></p>
我完全赞同你的观点，思考很有深度。
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