Recently, 29-year-old Lou Tou suffered from "asymptomatic" news has received widespread attention, people sympathize and regret, but can not help but ask, "asymptomatic" is what disease? Insurance compensation? From a number of insurance companies survey was informed that this disease belongs to the scope of major disease insurance claims. Insurance companies which is strong, I just happened to organize the relevant content, I hope to help you: the latest list! The top 10 insurance companies in the country
Developing"Acromegaly"How to do, Critical illness insurance can be paid What are the good critical illness insurance recommendations, I just happened to organize the relevant content, I hope to help you: the top ten insurance companies "worth buying" the popular critical illness insurance inventory!
Lou Tao is the Peking University Department of History in the direction of the 2015 Egyptian history of a doctoral program, in 2015 suffered from "acromegaly", has lost the ability to act. A few days ago, because of a "can save the organs of others, as far as possible to take away" oral will, and received widespread attention. At present, Lou Tao is now in stable condition, a public welfare organization also installed for her eye movement device, she can rotate the eyeballs in the computer to type and send microblogging.
"The name of the disease is amyotrophic lateral sclerosis (ALS), also known as motor neuron disease (MND), the latter name is commonly used in the United Kingdom, and France is called Charcot (Charcot) disease, and the United States is also known as Lou Gehrig (LouGehrig) disease. In China, amyotrophic lateral sclerosis and motor neuron disease are usually confused. It follows damage to the upper and lower motor neurons, resulting in progressive weakness and atrophy of muscles including the bulb (by bulb, I mean this part of the muscles innervated by the medulla oblongata), limbs, trunk, chest and abdomen.
The cause of tachyphylaxis is still unknown. 20 percent of cases may be related to heredity and genetic defects. In addition, some environmental factors, such as heavy metal aluminum poisoning, may cause motor neuron damage. "Early symptoms of acromegaly are mild and can be easily confused with other diseases. Patients may just feel some weakness, throbbing, easy to fatigue and some other symptoms, gradually progressing to generalized muscle atrophy and swallowing difficulties, and finally produce respiratory failure.
"ALS disease strikes quickly, and it usually takes only three to five years from the onset of symptoms to the time when the whole body 'freezes'." A medical source said, due to the "freezing" sensory nerve is not damaged, even if the patient to the limbs can not move, can not breathe on their own degree, the patient's mind is still normal, consciousness is still clear, the feeling is also sharp as normal people. Therefore, the most cruel thing to the "frozen people" is to watch themselves gradually unable to move, unable to speak.
The ALS Ice Bucket Challenge, which was launched in 2014 by a former Boston College baseball player, aims to get more people to take part in the rare disease, while also raising money to help fund treatment.
It is reported that the specific drug for Alzheimer's disease, riluzole, is expensive, with patients spending more than 4,000 yuan a month on the drug, which is a heavy financial burden for patients and their families.
In addition, in the treatment process of "cryosurgery", there should be other auxiliary treatment, such as psychotherapy. Many patients suffer from depression soon after diagnosis, and only 8.6% receive emotional and psychological counseling. Among the supportive therapies, such as ventilator assistance, nutritional support, foreign in suction devices, wheelchair vans and computerized equipment to assist and improve quality of life, which also require financial investment.
However, riluzole was included in health insurance reimbursement in 2017, which is good news for patients and families.
Insurance industry insiders point out that "tachyphylaxis" as a major disease "severe motor neuron disease", has been covered by most of the major disease insurance coverage.
Currently on the market, many of the terms of the major illness insurance products can be seen in the scope of its coverage of major diseases, there is a "severe motor neuron disease - the ability to live on their own completely lost". Many insurance companies to launch a serious illness insurance products will be "severe motor neuron disease" is categorized as the second category of major diseases, and "tachyphylaxis" as one of them, has been included in the scope of the claim.
After purchasing a critical illness insurance policy, as long as the insured person suffers from a disease stipulated in the insurance contract and the severity of the disease reaches a certain level, regardless of whether or not medical expenses are incurred or how much the expenses are incurred, he or she will be able to receive a fixed amount of compensation from the insurance company. The premiums paid by critical illness insurance can not only cover the high medical expenses for the insured, but also provide financial protection after the illness, so as to prevent the family economy from falling into the predicament of "poverty due to illness" as far as possible.
(Source: WeChat's China Insurance News)