Is the real CAR-T therapy really worth1.20,000 needles? Is there any insurance that can provide protection?
Today, Senior Sister will introduce CAR-T therapy to you, and by the way, what insurances have this service?
Before getting into the subject, Senior Sister sent you a small gift. Interested friends may wish to click in and have a look:
"Super complete! Everything you want to know about insurance is here.
1.1.2000-needle CAR-T?
From the beginning to the present, the national medical scientists are committed to research and innovation, from the initial chemotherapy drugs to today's targeted drugs and immunotherapy; Recently, a new and effective cancer therapy called CAR-T therapy has emerged.
As far as CAR-T therapy is concerned, many friends may not know it. CAR-T therapy is actually to transfer special substances directly into T cells through genetic modification technology, and then directly infuse the treated T cells into patients, so that they can play a role in patients, thus killing tumor cells, thus playing a role in treating tumors; More importantly, it can also form immune memory T cells, which is equivalent to obtaining long-term effective anti-tumor antibodies.
According to R&D personnel, CAR-T therapy is immunotherapy besides cell therapy and gene therapy. CAR-T therapy is very different from traditional anticancer drugs.
Judging from the current situation, it is easy to know that the approved CAR-T products and many CAR-T clinical trials can be called practical autologous CAR-T. To put it bluntly, the patient's own T cells are used as the original materials. That is to say, "CAR-T therapy is a special product, which needs a special personal tailor, and because each patient's injection can only be used by the patient himself, it will have a very high production cost.
By the end of 20021,there were five CAR-T therapies approved by FDA, and two CAR-T products-Aquilinse injection and repaglingse injection were also introduced in China. The prices of CAR-T products approved by Novartis and Kite are US$ 475,000 and US$ 373,000, respectively, generally above RMB 2-3 million. Compared with the domestic CAR-T pricing of 1.2 million, the domestic price is not very expensive.
Even if the price of CAR-T therapy is very high, the key is the remarkable effect! Let's just say that once conditions permit, CAR-T therapy is still worth a try for cancer patients.
Due to the characteristics and price of CAR-T, products related to CAR-T therapy cannot be reimbursed by medical insurance at this time, and cancer patients cannot use medical insurance to reimburse the medical expenses of this therapy.
Speaking of medical insurance catalog restrictions, probably friends will wonder what medical expenses can be reimbursed by medical insurance? Interested friends may wish to take a look at one of the school sisters:
What is the "two fixed points and three directories" mentioned in "medical insurance"? What is the reimbursement scope of medical insurance? What are personal accounts and pooling accounts? 》
Second, what kind of insurance can enjoy the car T service?
Although the current market price of CAR-T therapy is very expensive, you can not only choose to spend10.2 million yuan for CAR-T therapy, but also enjoy the service of CAR-T therapy with commercial insurance.
Before talking about commercial insurance with CAR-T therapy service, I wonder how familiar you are with a product called Versailles aggravated illness insurance under Tongfang Global Life? This product has been upgraded all the way, from the initial Versailles 1 critical illness insurance to the current Versailles plus critical illness insurance; During this period, Tongfang Global Life continuously optimized the service content and quality of this product. The latest version of Versailles plus critical illness insurance not only follows the excellent compensation conditions of the previous version, but also updates and upgrades the Green Link service, covering CAR-T treatment services.
Seeing this, if a small partner wants to know more about the newly upgraded Versailles plus critical illness insurance, interested friends should not miss this article:
"Versailles plus critical illness insurance has returned heavily, and you must look at the in-depth evaluation before buying! 》
If you are curious about the greenstone services upgraded by Versailles aggravated illness insurance, just look at the detailed map! As follows:
As can be seen from the detailed map, in addition to the above-mentioned CAR-T therapy service of10.2 million needles, there are also overseas multidisciplinary consultation services, overseas medical consultation services and Boao special medicine services.
Consumers who have opened Versailles plus critical illness insurance may have the opportunity to use 1 time for free if they want to enjoy CAR-T therapy service and meet the relevant conditions agreed by the insurance company! Assuming that the insured is diagnosed with cancer, you can also have one more hope through this service.
To sum up, in addition to the content of protection, Versailles plus critical illness insurance is only sincere in the part of Green Alliance service.
Write it at the end
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