Case 1:
A self-funded medicine, 500 yuan, is the patient eating gold? Liao Bangquan suffers from a serious lung infection. According to the dosage of self-funded medicine, he should take at least 2 pills a day. According to the purchase price suggested by the doctor, it needs 1000 yuan per day; According to the price provided by the online pharmaceutical sales company, it should be delivered to 780 yuan. Either way, this family can't afford it. Medical insurance has been fully covered, which was a good thing. However, doctors recommend self-funded drugs to patients, which are expensive. Take at least two pills a day for 500 yuan. For Liao Bangquan, the pain is unbearable and I am deeply puzzled: can't the reimbursement drugs stipulated by medical insurance save lives?
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A serious illness easily destroyed a middle-class family in Chengdu, Sichuan. A middle-class family with an annual income of nearly 654.38+10,000 yuan and two properties almost consumed all the property because of his wife's illness. After his wife died, the hero returned to the factory and picked up his monthly salary 1800 yuan. At the beginning, he left the factory to make money in order to get rich, but now he has returned to the starting point of his life dramatically. As the saying goes, a penny is worth a penny, and a disease has brought the "middle class" back to its original shape. This story of poverty caused by illness has made the "fragile middle class" a hot spot of social concern.
Case 3
For a surgical operation, 54% of his own expenses are in Beijing. Wu Yu is a standard white-collar worker, and his income from working in a foreign company is also very high. On his way home, he had an accident and needed to replace the femoral head. The operation went very smoothly. After half a month, Wu Yu was ready to leave the hospital. When he got the hospital bill, he found that 54% of the expenses needed to be paid out of his own pocket, and medical insurance could not be reimbursed, including ceramic femoral head, painkillers, anesthetics and some postoperative recovery.
Huang Hong, Vice Chairman of the China Insurance Regulatory Commission: Social security for serious illness is only 60%, and commercial health insurance is essential.
[Huang Hong] At present, the entire medical security system in our country includes basic medical insurance and supplementary medical insurance, including serious illness. For some groups with special difficulties, our country also has medical assistance. This is the current level of the entire medical security system. After the formation of commercial health insurance, these parts can be effectively connected.
Take the participation of farmers in the new rural cooperative medical system as an example. At present, farmers are hospitalized due to illness, and the reimbursement for basic medical insurance is 50%, and the reimbursement for serious illness insurance is 10 to 15 percentage points, which is basically 12 percentage points, 50% plus 12%, which means 62%.
[Huang Hong] Generally speaking, why can commercial health insurance play a vital role? First, it can reduce the burden of personal medical expenses. In 20 13, the proportion of personal medical and health expenditure in the total health expenditure is about 40%, which is about 20% higher than the world average. Social medical insurance emphasizes "full coverage and basic protection", and the level and scope of protection are relatively limited.
Commercial health insurance has the characteristics of strong professionalism and flexible mechanism. From the scope of protection, commercial health insurance can develop a variety of commercial health insurance products such as medical treatment, sickness insurance and disability income loss insurance according to the needs of the market and customers to meet people's diverse needs. From the perspective of the degree of protection, commercial health insurance can provide protection for medical expenses outside the "three catalogues" of social security and reduce the burden of personal medical expenses.
A serious illness can destroy a middle-class family.
According to the definition of the World Health Organization, after deducting the basic living expenses, a family's medical expenditure exceeds 40% of the remaining income, which belongs to "family catastrophic medical expenditure". According to estimates, China's "catastrophic family medical expenditure" is roughly equivalent to the annual per capita disposable income of urban residents and the annual per capita net income of farmers.
In China, a serious illness is not only enough to bring down an ordinary family, but also enough to "destroy" a middle-class family. Although China has woven the largest national health insurance network in the world, its quality assurance is still at a low level. Especially for farmers and urban residents, the annual per capita medical insurance cost is only about 300 yuan, and their ability to resist the risk of serious illness is still very weak. The basic medical insurance provided by the government is not enough to meet the needs of serious illness, and they have not purchased commercial medical insurance themselves. Therefore, a serious illness is undoubtedly a "catastrophe."
Serious illness treatment is expensive, and commercial insurance payment can reduce the economic burden of patients.
Avoid family economic collapse
"I worked hard for decades and got sick before liberation." When a person is unfortunately seriously ill and tortured by the disease, it is really sad in life if he is still suffering from drinking deprivation. Buying critical illness insurance can not only make the insured get proper treatment, but also avoid the family economy from getting into trouble because of huge medical expenses.
Make up for the deficiency of social security
Although under the protection of social insurance, some people can enjoy basic medical insurance. However, due to limited resources, there are still many expenses that must be paid at their own expense. Critical illness insurance claims can just make up for the shortcomings, especially in today's development of medical technology, many drugs are not covered by social insurance. If the patient can have enough economic advantages, won't he get another chance to be born again?
If you are ill, you can rest at ease.
Once you are unfortunately suffering from a major illness, in addition to the treatment during the illness, there is also a recovery period after the illness, which often requires money. The recovery period directly affects the therapeutic effect. If you add the ability to lose work, the basic life of patients will face a crisis immediately, let alone rest at ease. Let the insurance money of critical illness insurance help you solve this huge expenditure!