There is a saying that ICU is a place where money is used to renew lives, and in fact, whether you live in the ICU or a regular ward, you are using money to renew your life, but the ICU makes it feel more like grabbing a life in the hands of the Grim Reaper.
The duty of the ICU is to use all available equipment and instruments, and use the most effective drugs to maintain the life of critically ill patients, maximizing the time for treatment.
The ICU is daunting because it costs an average of $8,000/day. People take it for granted that there are special charges in the intensive care unit, but in fact, the charges in the intensive care unit are the same as those in the general ward, and there are no special charges. For example, the price of monitoring equipment is the same in general ward and ICU. That is to say, the same equipment, in the ICU and general ward charges are the same. The only thing is that patients in the ICU use more life-sustaining equipment, which patients in the general ward basically can't use, or the general ward does not provide the use of some equipment.
The ICU fee consists of three main parts: medicine, treatment, and examination. Patients entering the ICU need more equipment, such as monitoring equipment and life support equipment, which will lead to an increase in costs, but also need to conduct real-time laboratory tests to check the various indicators of the body, which is another cost increase. The medicines are all imported and state-of-the-art or specialty drugs, which again increases the cost.
So, the special thing about ICU is not that there are any special charges, the price of nursing care and bed charge is not much higher than that of ordinary wards, the bed charge and nursing care is only about 100 dollars more expensive, but it is mainly expensive in the equipment, checking and medication.
So what we should be more concerned about is the severity of the disease, not the difference between the wards. Many cancer patients treated in general wards and outpatient clinics spend more than those in ICU.
The reimbursement for ICU medications still depends on whether the medication is covered by social security, if it is covered by social security, then it can still be reimbursed, if it is not covered by social security, then it can not be reimbursed regardless of whether it is in the ICU or not. If you don't have commercial health insurance, you will still have to cover a large portion of your medical expenses. Many people think that if they have social security, everything will be fine, and the state will solve the problem of my medical expenses. Even if social security can reimburse 80% of the cost, if the cost of 1 million, there are still 200,000 need to bear, and the social security reimbursement of large medical expenses is only about 50%. The high cost of medical expenses certainly involves more expensive special drugs and imported drugs, so that the average reimbursement rate is only about 40%, which is not able to do most of the reimbursement, not to mention the comprehensive protection.
One is social security, one is commercial medical insurance, and one is social security plus commercial medical insurance.
Social security is divided into employee medical and resident medical. The maximum reimbursement rate for employee medical care is about 80% for a normal tertiary hospital, and about 50% for resident medical care, and will be reduced by another 10% - 20% if the medical care is provided in a different location. From the reimbursement rate, the resident medical reimbursement rate is relatively low, if only social security, the burden of medical expenses is still very heavy.
Million Dollar Healthcare is a powerful supplement to social security. Million Dollar Healthcare is characterized by high insurance coverage, which basically meets all the medical expenses in China; it does not limit the use of social security drugs, and can achieve 100% reimbursement for special drugs and imported drugs to solve the medication concerns, and directly on the best drugs, to achieve the best therapeutic effects; it is not limited to geographical areas, and it breaks the limitations of social security reimbursement ratio, regardless of which hospitals are in the country, it can achieve the reimbursement of the social security fees. The first is that it is not possible to get a 100% reimbursement of medical expenses after social security reimbursement; additional services, such as medical green pass, specialist appointments, out-of-hospital drug collection and other services, many insurance companies have cooperated with some medical service companies to introduce a variety of medical services, you can pay attention to when you buy, after all, a good medical service can make the medical treatment more secure.
A serious illness leads not only to the problem of medical costs, but also the expenses during the period of medical treatment, rehabilitation after treatment own loss of income costs. In the case of Zeng Wanhong, he will need long-term rehabilitation after discharge from the hospital, and may not be able to work for a long time.
Because medical expenses are the most direct costs, we will be highly concerned about, but ignored the indirect losses caused by a serious illness. If you buy a million medical after configuring critical illness insurance, then after the million medical reimbursement of medical expenses, critical illness insurance premiums can act as a guarantee of indirect losses. For example, if you have spent 300,000 dollars on cancer medical expenses, and the million medical reimbursement of medical expenses, the critical illness insurance has 300,000 dollars of claims, so you can rest assured that you will be able to carry out rehabilitation, and temporarily do not have to think about the problem of working and earning money.
At the same time, I recommend that you also buy accident insurance. Why add accident insurance? We usually pay more attention to the medical treatment of diseases, but rarely pay attention to the medical treatment and losses arising from accidents. In fact, there is a lot of medical treatment due to accidents, and it is seldom reimbursed.
Accidents can be categorized into those with and without third party liability. If there is a three-party liability, then the at-fault party will be responsible for compensation, if there is no three-party liability, can only be responsible for all the expenses, social security for the accident medical compensation ratio will be far lower than the disease medical. Moreover, social security has no outpatient reimbursement or some places have outpatient reimbursement, but the amount is limited and the reimbursement rate is very low. As mentioned earlier, million medical generally have a deductible of 10,000 dollars, if you do not configure accident insurance, there is a risk of accidental medical treatment can not be paid. Many accidents simply do not need hospitalization, such as many traumas and fractures, the emergency room treatment bandages can be dealt with, and the cost is not low, if there is no accidental medical care, it is likely that they will have to bear all the medical costs.
Accident insurance is cheap, a few hundred dollars can buy hundreds of thousands or even millions of body and more than 50,000 accident medical, regardless of outpatient or hospitalization can be claimed, configure the accident insurance is comprehensive protection.
Early planning, to configure their own adequate protection, family members in the ICU door choice will not hesitate for money. If only fifty percent certainty to save a person, but to press all the family belongings, so that anyone will hesitate. If you can realize this in time, configure adequate coverage for yourself, in order to live, you do not need to be very rich.