1. The incidence of serious diseases is very high. According to relevant data, people have a 72% probability of suffering from major diseases in this life, among which malignant tumors are the most common. At first, many people didn't believe this data. However, in our present environment, some problems have been mentioned many times, such as food safety, mental health and environmental quality. These are all important factors leading to the high incidence of diseases, so everyone began to pay attention to the cruel fact of the high incidence of serious diseases.
We should pay attention to the development trend of serious diseases, and the current trend is to be younger. Take leukemia as an example. According to statistics, there are at least 4 million leukemia patients in China, and minors under the age of 18 account for a quarter.
2. The treatment of serious illness is expensive.
At present, the incidence of major diseases is increasing day by day, and we are bound to face a problem, that is, how to solve the problem of medical expenses after illness. According to the current treatment level in China, the average treatment cost of common serious diseases such as malignant tumor, acute myocardial infarction and end-stage renal disease is almost 200,000-500,000. This is really a heavy blow to ordinary families. After paying the above medical expenses, many families' savings will instantly become zero, and some even become heavily in debt.
3. Medical insurance has limitations.
Only drugs and treatment items within the prescribed scope can be reimbursed by medical insurance; Drugs and articles beyond the scope can no longer be reimbursed, such as staying in the intensive care unit for treatment and using precision instruments. These expenses are expensive, but medical insurance does not support reimbursement. Therefore, medical insurance can not transfer all the economic risks brought by serious illness for us, and everyone must be equipped with serious illness insurance as a supplement to the protection.