120万打一针就能治愈癌症！这么神？
<strong style="color: blue;"><a style="color: black;"><img src="https://mmbiz.qpic.cn/mmbiz_png/G8BPRJWDiaFibxDq711xAtyAt7LukaSShiaUaARRNSpWEXgL1qrExJBuCdvib4k48tun3hWTnYJlck90U7uomwy0VA/640?wx_fmt=png&tp=webp&wxfrom=5&wx_lazy=1&wx_co=1" style="width: 50%; margin-bottom: 20px;"></a></strong><span style="color: black;">按道理来讲，<span style="color: black;">倘若</span>患了癌症，大都<span style="color: black;">必须</span>经过长达好几年的放疗，过程非常痛苦，<span style="color: black;">况且</span>几乎不可能完全治愈。</span><span style="color: black;"><span style="color: black;">例如</span>年仅33岁的网红“抗癌梅梅”，2015年确诊卵癌晚期，被<span style="color: black;">熬煎</span>得不成人形、生不如死，抗癌6年，<span style="color: black;">最后</span><span style="color: black;">亦</span>没能敌得过病魔。</span><span style="color: black;">但就在<span style="color: black;">近期</span>，120万元打一针就能让癌细胞消失的事，让<span style="color: black;">大众</span>眼前一亮：<strong style="color: blue;">这是什么神仙治疗<span style="color: black;">办法</span>？是不是以后癌症<span style="color: black;">病人</span>都有救了？</strong></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;">打一针癌细胞清零,<span style="color: black;">那样</span>神？</strong></span></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;">CAR-T能治疗<span style="color: black;">那些</span>癌症？</strong></span></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;">有<span style="color: black;">那些</span>保险<span style="color: black;">能够</span>报销CAR-T</strong></span></p><img src="https://mmbiz.qpic.cn/mmbiz_png/sFCdv3aOmzY2tLdxSF9MfhJbm4c1KfFnzc7iaoIribp8Rjg9HmNJrZMeyQ9bicB4aewcNFAa3I2qg6S3mkXtg6J8w/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;"><span style="color: black;">打一针癌细胞清零,<span style="color: black;">那样</span>神？</span></strong></span><span style="color: black;">早在7月的时候，就<span style="color: black;">相关</span>于“天价抗癌药<span style="color: black;">获准</span>，<strong style="color: blue;">120万</strong>买一条命”的<span style="color: black;">信息</span>流出，当时就有不少人质疑这种药<span style="color: black;">是不是</span>真有效果。而1<strong style="color: blue;">20万</strong>的天价抗癌药<span style="color: black;">便是</span>CAR-T技术（细胞免疫疗法）<span style="color: black;">运用</span>的<span style="color: black;">药品</span>奕凯达。</span><strong style="color: blue;"><span style="color: black;">最新<span style="color: black;">信息</span>确认了，这种“花钱买命”的癌症<span style="color: black;">药品</span>是确实有效的</span></strong><span style="color: black;">，<span style="color: black;">已然</span>有不少癌症<span style="color: black;">病人</span>接受 CAR-T治疗后都取得了<span style="color: black;">明显</span>的效果，<span style="color: black;">这儿</span>给<span style="color: black;">大众</span>举两个比较典型的案例。</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;">第1</span>例</strong></span></p><strong style="color: blue;"><span style="color: black;">2013年，</span></strong><span style="color: black;">河南尉氏的赵先生被查出“急性B淋巴细胞白血病”，在北京一家医院经过5周期化疗后，进行了造血干细胞治疗并<span style="color: black;">得到</span>成功。</span><strong style="color: blue;"><span style="color: black;">2016年6月</span></strong><span style="color: black;">，不幸的是，白血病复发，他到河南省肿瘤医院血液科进行了第二次造血干细胞移植，但以失败告终。</span><span style="color: black;">专家<span style="color: black;">叫作</span>，白血病和淋巴瘤是恶性程度极高的肿瘤，一旦传统的治疗<span style="color: black;">办法</span>如化疗、靶向治疗或造血干细胞移植治疗失败，病人的生命几乎难以挽救。</span><strong style="color: blue;"><span style="color: black;">2016年8月5日，</span></strong><span style="color: black;"><span style="color: black;">在当时的<span style="color: black;">大夫</span>看来赵先生撑<span style="color: black;">不外</span>半年，那就死马当活马医，经过<span style="color: black;">病人</span>和家属同意之后，</span><span style="color: black;">专家们为赵先生实行了CAR-T细胞治疗。</span></span><span style="color: black;">在医学上，<span style="color: black;">仅有</span>肿瘤细胞消失<span style="color: black;">连续</span>5年，<span style="color: black;">才可</span>说是治愈。<strong style="color: blue;">到<span style="color: black;">日前</span>为止，经过CAR-T细胞治疗的赵先生<span style="color: black;">已然</span>正常生活了5年。</strong></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;">第二例</strong></span></p><strong style="color: blue;"><span style="color: black;">2019年6月，</span></strong><span style="color: black;">上海的陈阿姨被确诊弥漫性B大细胞瘤，经过治疗后又复发，一度<span style="color: black;">已然</span>绝望。</span><strong style="color: blue;"><span style="color: black;">2021年6月30日，</span></strong><span style="color: black;">上海交通大学医学院<span style="color: black;">附庸</span>瑞金医院副院长赵维莅及其团队为陈阿姨单采细胞。</span><strong style="color: blue;"><span style="color: black;">2021年8月2日，</span></strong><span style="color: black;">专家们将CAR-T细胞回输回陈阿姨的<span style="color: black;">身体</span>。</span><strong style="color: blue;"><span style="color: black;">2021年8月底</span></strong><span style="color: black;">，陈阿姨在PET-CT<span style="color: black;">检测</span>下，<span style="color: black;">发掘</span><span style="color: black;">身体</span>暂时<span style="color: black;">无</span>癌细胞，<strong style="color: blue;">症状完全得到了缓解，并于8月26日出院回家。</strong></span><span style="color: black;">可见，CRT-T治疗<span style="color: black;">针对</span>某些人、某些<span style="color: black;">疾患</span>真的<span style="color: black;">特别有</span>效，<span style="color: black;">不外</span>，网曝</span><span style="color: black;"><strong style="color: blue;">120</strong></span><span style="color: black;">万一针的天价，着实让人大吃一惊。</span><span style="color: black;"><span style="color: black;">那样</span>，<strong style="color: blue;">这CRT-T技术能治疗<span style="color: black;">那些</span><span style="color: black;">疾患</span>，有<span style="color: black;">无</span>副<span style="color: black;">功效</span>？120万<span style="color: black;">亦</span>太贵了，有<span style="color: black;">无</span>其他替代<span style="color: black;">药物</span>？</strong></span><img src="https://mmbiz.qpic.cn/mmbiz_png/sFCdv3aOmzY2tLdxSF9MfhJbm4c1KfFnNSmk9xGIFZ0DrbR8Cqx4QWjtdvfF3oE4udTEvJMNOtHcfZFibGvkECA/640?wx_fmt=png&tp=webp&wxfrom=5&wx_lazy=1&wx_co=1" style="width: 50%; margin-bottom: 20px;"><strong style="color: blue;"><span style="color: black;">CAR-T能治疗<span style="color: black;">那些</span>癌症？</span></strong><span style="color: black;">接下来，<span style="color: black;">咱们</span>分别从</span><span style="color: black;"><strong style="color: blue;">4</strong></span><span style="color: black;">个方面分析这</span><span style="color: black;"><strong style="color: blue;">120</strong></span><span style="color: black;">万花的值不值。</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;">CRT-T能治疗<span style="color: black;">那些</span><span style="color: black;">疾患</span></strong></span></p><span style="color: black;"><span style="color: black;">针对</span><span style="color: black;">那些</span><span style="color: black;">疾患</span>适合用CAR-T技术的问题，医学专家<span style="color: black;">暗示</span>，<strong style="color: blue;"><span style="color: black;">日前</span>该疗法<span style="color: black;">重点</span>治疗血液系统的肿瘤，<span style="color: black;">例如</span>白血病、淋巴瘤、多发性骨髓瘤的治疗效果比较好，</strong><span style="color: black;">针对</span>其他癌症的效果还不太确定。</span><span style="color: black;"><span style="color: black;">亦</span><span style="color: black;">便是</span>说，用CAR-T肯定能治疗的是血液系统的肿瘤，而这种肿瘤相对<span style="color: black;">来讲</span>在未成年人以及老年人的中的发病率比较高。例如新华人寿2020年的理赔年报中<span style="color: black;">表示</span>未成人患白血病的占比最高，达<strong style="color: blue;">17.4%</strong>。</span><img src="https://mmbiz.qpic.cn/mmbiz_png/G8BPRJWDiaFibAxT8TcibtKXyotYjIeR0OrQeNQprUWqAc39EWnbVIvy99tuJJ4IzSh5DWJJwd9JvNTT2oNDrzQEw/640?wx_fmt=png&tp=webp&wxfrom=5&wx_lazy=1&wx_co=1" style="width: 50%; margin-bottom: 20px;"><span style="color: black;">（图源：新华人寿2020年理赔年报）</span><span style="color: black;">虽然，<strong style="color: blue;">CAR-T技术并不是对所有癌症都有很好的治疗效果，<span style="color: black;">最少</span>让<span style="color: black;">咱们</span>看到了<span style="color: black;">期盼</span>，<span style="color: black;">能够</span>说癌症<span style="color: black;">亦</span>并非不治之症。</strong></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;">CAR-T治疗副<span style="color: black;">功效</span></strong></span></p><strong style="color: blue;"><span style="color: black;">副<span style="color: black;">功效</span>有两种：</span></strong><span style="color: black;">细胞因子释放<span style="color: black;">综合症</span>和CAR-T细胞<span style="color: black;">关联</span>脑病<span style="color: black;">综合症</span>。</span><strong style="color: blue;"><span style="color: black;">细胞因子释放<span style="color: black;">综合症</span>，</span></strong><span style="color: black;">类似于T细胞攻击病毒，<span style="color: black;">病人</span>可能会<span style="color: black;">显现</span>发热、虚弱、发冷和食欲不振的症状。这种副<span style="color: black;">功效</span><span style="color: black;">一般</span>在CAR-T细胞输注后几天<span style="color: black;">起始</span>，<span style="color: black;">连续</span><strong style="color: blue;"><span style="color: black;">1星期</span></strong><span style="color: black;">上下</span>。</span><strong style="color: blue;"><span style="color: black;">CAR-T细胞<span style="color: black;">关联</span>脑病<span style="color: black;">综合症</span>，</span></strong><span style="color: black;">不太<span style="color: black;">平常</span>，但<span style="color: black;">触及</span>大脑，相对更严重。<span style="color: black;">病人</span>可能会感到困惑、易怒、缺乏<span style="color: black;">认识</span>或难以识别家人和<span style="color: black;">伴侣</span>。该症状在输血后约1-4周<span style="color: black;">显现</span>，并<span style="color: black;">连续</span><strong style="color: blue;">2-4天</strong>。</span><span style="color: black;">前文<span style="color: black;">说到</span>的赵先生，他在治疗<span style="color: black;">时期</span>就<span style="color: black;">显现</span>了细胞因子释放<span style="color: black;">综合症</span>，</span><span style="color: black;">一连几天<span style="color: black;">显现</span>寒颤高热及血压降低等相伴症状，<span style="color: black;">不外</span>当时<span style="color: black;">关联</span>专家几天几夜<span style="color: black;">保护</span>在<span style="color: black;">病人</span>床边，密切观察<span style="color: black;">病人</span>病情，赵先生安全度过了危险期。</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;">一针120万，<span style="color: black;">为何</span>这么贵</strong></span></p><span style="color: black;"><span style="color: black;">首要</span>能肯定的是，“抗癌神药”奕凯达（阿基仑赛注射液）确实要<strong style="color: blue;">120万</strong>，<span style="color: black;">况且</span>只是一袋<strong style="color: blue;">68ml</strong>注射液的<span style="color: black;">花费</span>，<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<strong style="color: blue;">200万</strong>！</span><img src="https://mmbiz.qpic.cn/mmbiz_png/G8BPRJWDiaFibAxT8TcibtKXyotYjIeR0OriazWMnUCMfqgulnxUgCSONhx3RkVgyULNjQdcWFXQa0XoibugdTIn8KA/640?wx_fmt=png&tp=webp&wxfrom=5&wx_lazy=1&wx_co=1" style="width: 50%; margin-bottom: 20px;"><span style="color: black;">（图源：大数据实验室）</span><span style="color: black;"><span style="color: black;">针对</span>曝出<strong style="color: blue;">120万</strong>价格的奕凯达，业内<span style="color: black;">广泛</span><span style="color: black;">暗示</span>并不贵。</span><span style="color: black;"><span style="color: black;">因为</span><span style="color: black;">必须</span>基因工程技术激活T细胞，并装上定位导航<span style="color: black;">安装</span>CAR，将T细胞改<span style="color: black;">导致</span>CAR-T细胞，专门识别<span style="color: black;">身体</span>肿瘤细胞，并<span style="color: black;">经过</span>免疫<span style="color: black;">功效</span>释放<span style="color: black;">海量</span>的多种效应因子，能<span style="color: black;">有效</span>地杀灭肿瘤细胞。<strong style="color: blue;">简单说<span style="color: black;">便是</span>CAR能识别癌症细胞，做到<span style="color: black;">精细</span>消灭癌症细胞。</strong></span><strong style="color: blue;"><span style="color: black;">这种<span style="color: black;">药品</span><span style="color: black;">必须</span>依个人体质不同而专门“定制”，<span style="color: black;">况且</span>在制备好<span style="color: black;">药品</span>后，病人<span style="color: black;">亦</span>只<span style="color: black;">必须</span>用一次就行，这么来看贵确实有贵的道理。</span></strong>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;"><strong style="color: blue;">有<span style="color: black;">无</span>替代<span style="color: black;">药物</span></strong></span></p><strong style="color: blue;"><span style="color: black;"><span style="color: black;">通常</span>癌症治疗的传统手段有：</span></strong><strong style="color: blue;"><span style="color: black;">外科手术：</span></strong><span style="color: black;">切掉癌细胞所在的身体组织；</span><strong style="color: blue;"><span style="color: black;">化疗：</span></strong><span style="color: black;">对身体下毒杀死癌细胞和正常细胞；</span><strong style="color: blue;"><span style="color: black;">放疗：</span></strong><span style="color: black;">对身体照射，烧死癌细胞和正常细胞。</span><span style="color: black;">这三种都属于用外力杀死癌细胞，杀敌一千自损八百，而且<span style="color: black;">常常</span>治标不治本，癌细胞很容易死灰复燃。</span><strong style="color: blue;"><span style="color: black;">和传统的治疗技术相比，CAR-T疗法<span style="color: black;">优良</span>非常<span style="color: black;">显著</span>：</span></strong><span style="color: black;">1、输液次数少；（陈阿姨只注射了1次）</span><span style="color: black;">2、药效持久；</span><span style="color: black;">3、治疗时间更短；（陈阿姨治疗后57天出院）</span><span style="color: black;">4、治疗<span style="color: black;">精细</span>，不误伤正常细胞。</span><img src="https://mmbiz.qpic.cn/mmbiz_png/G8BPRJWDiaFibAxT8TcibtKXyotYjIeR0OrBcLmYXzdYCzKyjIUHNIfmn2xmszwxwBtquEEiaVicMr4UKulkbwdoqKw/640?wx_fmt=png&tp=webp&wxfrom=5&wx_lazy=1&wx_co=1" style="width: 50%; margin-bottom: 20px;"><span style="color: black;"><span style="color: black;">日前</span><span style="color: black;">来讲</span>，几乎<span style="color: black;">无</span>其他<span style="color: black;">药物</span><span style="color: black;">能够</span>替代CAR-T疗法。</span><span style="color: black;">CAR-T技术是真的给癌症<span style="color: black;">病人</span>带来了<span style="color: black;">期盼</span>，但面对<span style="color: black;">昂贵</span>的价格<span style="color: black;">亦</span>几乎灭了普通家庭治疗癌症的幻想。<strong style="color: blue;">明明有了活命的<span style="color: black;">办法</span>，却<span style="color: black;">无</span>活命的钱。</strong></span><strong style="color: blue;"><span style="color: black;">那能<span style="color: black;">不可</span><span style="color: black;">经过</span>社保<span style="color: black;">或</span><span style="color: black;">商场</span>保险报销CAR-T的治疗<span style="color: black;">花费</span>呢？</span></strong><img src="https://mmbiz.qpic.cn/mmbiz_png/sFCdv3aOmzY2tLdxSF9MfhJbm4c1KfFniadJmHaTFvdh0niaVOoEDaYIVsSaYBfdEOhO7XMiafSeYDRvibQZeaKmzw/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;"><span style="color: black;">有<span style="color: black;">那些</span>保险<span style="color: black;">能够</span>报销CAR-T</span></strong></span><span style="color: black;"><span style="color: black;">日前</span>，这个“抗癌神药”在中国刚上市2个多月，<span style="color: black;">花费</span>并不从医院里面走，<span style="color: black;">亦</span><span style="color: black;">无</span>纳入<span style="color: black;">医疗保险</span>目录内，<strong style="color: blue;"><span style="color: black;">因此</span><span style="color: black;">必须</span>自费。</strong></span><span style="color: black;">而令人惊喜的是，<strong style="color: blue;"><span style="color: black;">商场</span>保险中，有两类<span style="color: black;">制品</span><span style="color: black;">能够</span>覆盖CAR-T的医疗<span style="color: black;">花费</span>。</strong></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;">百万医疗险</strong></span></p><span style="color: black;">百万医疗险的<span style="color: black;">重点</span><span style="color: black;">功效</span>在于<span style="color: black;">疾患</span>和意外产生的医疗<span style="color: black;">花费</span>，大都<span style="color: black;">能够</span>进行报销；</span><span style="color: black;">但<span style="color: black;">必须</span><span style="color: black;">重视</span>的是不<span style="color: black;">包含</span>既往症，<span style="color: black;">因此</span>投保前就带有的<span style="color: black;">疾患</span>，保险<span style="color: black;">机构</span>是不赔偿的。</span><span style="color: black;"><strong style="color: blue;">戳</strong></span><img src="https://mmbiz.qpic.cn/mmbiz_png/G8BPRJWDiaFibAxT8TcibtKXyotYjIeR0OrT3oJyb1wqZicXFcmia06ontPollLJBpW1cG3Qh3xnIv8geYjdwe9GSVw/640?wx_fmt=png&tp=webp&wxfrom=5&wx_lazy=1&wx_co=1" style="width: 50%; margin-bottom: 20px;"><span style="color: black;"><a style="color: black;">有了惠民保还有必要买百万医疗吗？</a></span><strong style="color: blue;"><span style="color: black;">百万医疗险的核心<span style="color: black;">保证</span>如下：</span></strong><img src="https://mmbiz.qpic.cn/mmbiz_png/G8BPRJWDiaFibAxT8TcibtKXyotYjIeR0OrRicrw20zB25dlZRRibImBxW7wXMyZ31Dediaayu6jPRiaBXRRBRUVGyo2w/640?wx_fmt=png&tp=webp&wxfrom=5&wx_lazy=1&wx_co=1" style="width: 50%; margin-bottom: 20px;"><strong style="color: blue;"><span style="color: black;"><span style="color: black;">咱们</span>重点看癌症特药/外购药部分，</span></strong><span style="color: black;">市面上在售的百万医疗险，并不是所有都<span style="color: black;">能够</span>保癌症特药或院外购药，即使是能保<span style="color: black;">亦</span>不<span style="color: black;">必定</span><span style="color: black;">包括</span><span style="color: black;">做为</span>CAR-T细胞免疫治疗的<span style="color: black;">药品</span>奕凯达。</span><strong style="color: blue;"><span style="color: black;">就几款热门的百万医疗险，<span style="color: black;">咱们</span>做了总结。</span></strong><img src="https://mmbiz.qpic.cn/mmbiz_png/G8BPRJWDiaFibAxT8TcibtKXyotYjIeR0OrbEZJbkvILdtGhzbEQtkib1xzh6N0jZwDJhAZ4YtjVJJCyFRX7ShN4oA/640?wx_fmt=png&tp=webp&wxfrom=5&wx_lazy=1&wx_co=1" style="width: 50%; margin-bottom: 20px;"><strong style="color: blue;"><span style="color: black;"><span style="color: black;">保准</span>续保的百万医疗险中</span></strong><span style="color: black;">，</span><span style="color: black;"><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（费率可调）</a></span><span style="color: black;">不含癌症特药责任，他的<span style="color: black;">优良</span>是<span style="color: black;">保准</span>续保的时间最长；而</span><span style="color: black;"><a style="color: black;">复星联合超越保2020</a></span><span style="color: black;">和</span><span style="color: black;"><a style="color: black;">瑞华<span style="color: black;">医疗保险</span>加</a></span><span style="color: black;"><span style="color: black;">保准</span>续保时间是<strong style="color: blue;">6</strong>年，<span style="color: black;">况且</span>还<span style="color: black;">保证</span>了癌症院外特定<span style="color: black;">药物</span><span style="color: black;">花费</span>。</span><strong style="color: blue;"><span style="color: black;">不<span style="color: black;">保准</span>续保的</span></strong><span style="color: black;">，</span><span style="color: black;">除了</span><span style="color: black;"><a style="color: black;">众惠相互普惠e生</a></span><span style="color: black;">，</span><span style="color: black;"><a style="color: black;">众安尊享e生2021</a></span><span style="color: black;">、</span><span style="color: black;"><a style="color: black;">京东安联臻爱<span style="color: black;">没</span>限医疗险2021</a></span><span style="color: black;">、</span><span style="color: black;"><a style="color: black;">复星联合优越保医疗险2021</a></span><span style="color: black;">都含有癌症特药<span style="color: black;">保证</span>。</span><strong style="color: blue;"><span style="color: black;">以</span></strong><span style="color: black;"><strong style="color: blue;"><span style="color: black;"><a style="color: black;">复星联合超越保2020</a></span></strong></span><strong style="color: blue;"><span style="color: black;">和</span></strong><span style="color: black;"><strong style="color: blue;"><span style="color: black;"><a style="color: black;">众安尊享e生2021</a></span></strong></span><strong style="color: blue;"><span style="color: black;">为例：</span></strong><img src="https://mmbiz.qpic.cn/mmbiz_png/G8BPRJWDiaFibAxT8TcibtKXyotYjIeR0OribEXV08nwsNjtOlTIQp2V7V82RnC2oemoP1pN94EskKESDpM9RgYcRw/640?wx_fmt=png&tp=webp&wxfrom=5&wx_lazy=1&wx_co=1" style="width: 50%; margin-bottom: 20px;"><span style="color: black;">（众安尊享e生2021条款截图）</span><strong style="color: blue;"><span style="color: black;"><a style="color: black;">众安尊享e生2021</a></span></strong><span style="color: black;">的条款<span style="color: black;">知道</span>说明<span style="color: black;">包括</span>细胞免疫治疗<span style="color: black;">药品</span>，<span style="color: black;">然则</span>要符合三个<span style="color: black;">需求</span><span style="color: black;">能够</span>赔：</span><span style="color: black;">1） 需国家<span style="color: black;">药物</span>监督管理局<span style="color: black;">准许</span></span><span style="color: black;">2） 在中国上市</span><span style="color: black;">3） 在约定的<span style="color: black;">药物</span><span style="color: black;">名单</span></span><span style="color: black;">奕凯达在中国上市<strong style="color: blue;">2</strong>个多月，并且在今年6月22日<span style="color: black;">已然</span><span style="color: black;">得到</span>中国<span style="color: black;">药物</span>监督管局<span style="color: black;">准许</span>，<strong style="color: blue;"><span style="color: black;">因此</span>前两个<span style="color: black;">前提</span>符合<span style="color: black;">需求</span>。</strong></span><span style="color: black;">但<span style="color: black;">由于</span>奕凯达上市时间过短，<strong style="color: blue;"><span style="color: black;">日前</span><a style="color: black;">尊享e生2021</a>还没纳入<span style="color: black;">药物</span><span style="color: black;">名单</span>，</strong>之后就看保险<span style="color: black;">机构</span>的更新动态了。</span><span style="color: black;"><strong style="color: blue;">戳</strong><img src="https://mmbiz.qpic.cn/mmbiz_png/G8BPRJWDiaFibAxT8TcibtKXyotYjIeR0OrT3oJyb1wqZicXFcmia06ontPollLJBpW1cG3Qh3xnIv8geYjdwe9GSVw/640?wx_fmt=png&tp=webp&wxfrom=5&wx_lazy=1&wx_co=1" style="width: 50%; margin-bottom: 20px;"><a style="color: black;">买百万医疗险，续保<span style="color: black;">前提</span>是最<span style="color: black;">要紧</span>的吗？</a></span><strong style="color: blue;"><span style="color: black;">再来看</span></strong><span style="color: black;"><strong style="color: blue;"><span style="color: black;"><a style="color: black;">复星联合超越保2020</a></span></strong></span><strong style="color: blue;"><span style="color: black;">：</span></strong><img src="https://mmbiz.qpic.cn/mmbiz_png/G8BPRJWDiaFibAxT8TcibtKXyotYjIeR0Or2y60UgkO3Ociba9gcS2QbsjRNdlVpdWMe9qu5NnBhibeqcHMgJzniaAog/640?wx_fmt=png&tp=webp&wxfrom=5&wx_lazy=1&wx_co=1" style="width: 50%; margin-bottom: 20px;"><span style="color: black;">（复星联合超越保2020<span style="color: black;">制品</span>截图）</span><span style="color: black;"><strong style="color: blue;"><span style="color: black;"><span style="color: black;">已然</span><span style="color: black;">知道</span>将CAR-T细胞治疗<span style="color: black;">药物</span>奕凯达纳入报销范围。</span></strong></span><span style="color: black;">不仅<span style="color: black;">能够</span>赔，<span style="color: black;">况且</span>保额高达<strong style="color: blue;">200-400</strong>万，完全<span style="color: black;">能够</span>实现癌症治疗自由。</span><span style="color: black;"><strong style="color: blue;">戳</strong><img src="https://mmbiz.qpic.cn/mmbiz_png/G8BPRJWDiaFibAxT8TcibtKXyotYjIeR0OrT3oJyb1wqZicXFcmia06ontPollLJBpW1cG3Qh3xnIv8geYjdwe9GSVw/640?wx_fmt=png&tp=webp&wxfrom=5&wx_lazy=1&wx_co=1" style="width: 50%; margin-bottom: 20px;"><a style="color: black;">复星联合超越保2020怎么买？</a></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;">重疾险</strong></span></p><strong style="color: blue;"><span style="color: black;">重疾险<span style="color: black;">便是</span>达到了合同约定的赔付标准，保险<span style="color: black;">机构</span>一次性给付保险金的保险，</span></strong><span style="color: black;">给多少钱就看当初买了多少保额，<span style="color: black;">倘若</span>买了<strong style="color: blue;">100万</strong>保额的，就赔<strong style="color: blue;">100万</strong>，清清爽爽。</span><span style="color: black;">买重疾险<span style="color: black;">便是</span>买保额，<span style="color: black;">倘若</span>保额<span style="color: black;">仅有</span><strong style="color: blue;">50万</strong>，<span style="color: black;">那样</span>连一针奕凯达都打不了，有<span style="color: black;">前提</span>的话，</span><span style="color: black;">比较<span style="color: black;">意见</span>适当<span style="color: black;">增多</span>重疾保额。</span><span style="color: black;"><strong style="color: blue;">戳</strong><img src="https://mmbiz.qpic.cn/mmbiz_png/G8BPRJWDiaFibAxT8TcibtKXyotYjIeR0OrT3oJyb1wqZicXFcmia06ontPollLJBpW1cG3Qh3xnIv8geYjdwe9GSVw/640?wx_fmt=png&tp=webp&wxfrom=5&wx_lazy=1&wx_co=1" style="width: 50%; margin-bottom: 20px;"><a style="color: black;">多次重疾和单次重疾怎么选？</a></span><span style="color: black;"><strong style="color: blue;"><span style="color: black;">日前</span>市面上比较<span style="color: black;">举荐</span>的重疾险是这几款，点击查看</strong></span><img src="https://mmbiz.qpic.cn/mmbiz_png/G8BPRJWDiaFibAxT8TcibtKXyotYjIeR0Org1fbfYQ6NF9T0ic8v8vhYias3LlThUYOSPhrPXmlCevia0gFpE0lN5Hxw/640?wx_fmt=png&tp=webp&wxfrom=5&wx_lazy=1&wx_co=1" style="width: 50%; margin-bottom: 20px;"><img src="https://mmbiz.qpic.cn/mmbiz_png/G8BPRJWDiaFibAxT8TcibtKXyotYjIeR0Org1fbfYQ6NF9T0ic8v8vhYias3LlThUYOSPhrPXmlCevia0gFpE0lN5Hxw/640?wx_fmt=png&tp=webp&wxfrom=5&wx_lazy=1&wx_co=1" style="width: 50%; margin-bottom: 20px;"><img src="https://mmbiz.qpic.cn/mmbiz_png/G8BPRJWDiaFibAxT8TcibtKXyotYjIeR0Org1fbfYQ6NF9T0ic8v8vhYias3LlThUYOSPhrPXmlCevia0gFpE0lN5Hxw/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;">【<strong style="color: blue;">少儿</strong>重疾】</strong></span><span style="color: black;"><a style="color: black;">妈咪保贝（新生版）</a></span><span style="color: black;"><a style="color: black;">大黄蜂5号</a></span><span style="color: black;"><a style="color: black;">阿波罗1号</a></span><span style="color: black;"><strong style="color: blue;">【<strong style="color: blue;">成人</strong>重疾】</strong></span><span style="color: black;"><a style="color: black;">阿波罗1号</a></span><span style="color: black;"><a style="color: black;">超级玛丽5号</a></span><span style="color: black;"><a style="color: black;">光武一号嘉和保</a></span><strong style="color: blue;"><span style="color: black;">我国的医疗技术日渐发达，癌症<span style="color: black;">亦</span><span style="color: black;">能够</span>被治愈，只差钱的问题了；挣个</span></strong><span style="color: black;"><strong style="color: blue;">120万</strong></span><strong style="color: blue;"><span style="color: black;"><span style="color: black;">不易</span>，但花个几百块钱为自己和家人买一份保险就能<span style="color: black;">处理</span>价值</span></strong><span style="color: black;"><strong style="color: blue;">120万</strong></span><strong style="color: blue;"><span style="color: black;"><span style="color: black;">疾患</span>带来的经济<span style="color: black;">危害</span>，反而轻<span style="color: black;">容易</span>松。</span></strong><strong style="color: blue;"><span style="color: black;">今天的<span style="color: black;">文案</span>就分享到这啦，欢迎给我留言交流~</span></strong>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><strong style="color: blue;"><span style="color: black;">今晚19:30直播-保险合同常识，投保前必看！</span></strong></p><img src="https://mmbiz.qpic.cn/mmbiz_gif/23AoxAibicico9N9ZEfZ1plZMYibFUkqRuFJVqTxjibJ2D2nXjEaTrYo80ZKLEmTiaeJB9zDqGqCtJofbf38xeWrQcVA/640?wx_fmt=gif&tp=webp&wxfrom=5&wx_lazy=1" style="width: 50%; margin-bottom: 20px;">
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;"><strong style="color: blue;">粉丝福利</strong></span></p><img src="https://mmbiz.qpic.cn/mmbiz_jpg/23AoxAibicicoib7RvvkicZU9POu9J6Gz3EtZAHiaaxQUdSic0yaalRMkmBB98xVq5bSoqo9Jsl9DNkNgLtVrPOEAUaVw/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;">本文为「多保鱼」</span><span style="color: black;">原创</span><span style="color: black;"><span style="color: black;">文案</span>，未经许可禁止转载违者必究。如需转载，请后台留言。</span></span>
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