These two days of friends, have been an articleBeijing Middle Age under the InfluenzaBrushed the screen. The author used more than 20,000 words to record the father-in-law's experience from flu to pneumonia, from outpatient to ICU, and 29 days of yin and yang. It involves information about treatment, medication, expenses, blood seeking, intubation, and artificial lung (ECMO).
How to avoid the recurrence of the middle-aged crisis under the flu?
In this long article, some people see the importance of health, and some people see the relationship of family. Some people saw the ill-health of the middle class, and some people saw whether the dying was over-medical. Social, medical, ethical, and economical perspectives are good topics to discuss.
As an insurance self-media, and also a "middle-aged person" who is old and young and dare not to die, my instinctive reaction is,What kind of insurance can cope with such medical procedures and reduce the burden on families?. This angle is small, but it may be more pragmatic. After all, ICU spends 20,000 a day, and few families can afford it.
In fact, if the family is equipped with sufficient insurance, in such a case, although it may not be able to change the final outcome, it will definitely reduce the burden on the family economy. It is also a fortune in the unfortunate, a glimmer of light in the abyss. After all, the family will continue to live.
So what kinds of insurance can help?
1, severe illness insurance
Critical illness insurance, as the name suggests, is insurance that can be paid for a major illness. This kind of insurance can be said to be the first insurance that everyone should configure, and the standard configuration in family financial planning.
Be aware that the flu itself is not fatal, but other serious diseases caused by the flu can lead to death. For example, respiratory failure, heart failure, renal failure, liver failure, acute lung injury, and even deep coma, paralysis, may meet the payment criteria for major illness insurance.
The critical illness insurance itself is a payment type insurance, as long as it meets the payment standard, it is directly paid after applying for a claim. For example, the patient has a 500,000 case of severe illness insurance, and the insurance company will directly give 500,000 cash. As for how to use the 500,000, there is no limit. For families who urgently need to treat cash flow, it is definitely a gift in the snow.
Even if the medical insurance has been obtained from any other channel, it will not affect the payment of the compensation.
2, million medical insurance
Critical illness insurance is important, but the average family may not be able to allocate millions of insured amounts. In the past few years, the "Millions of Medical Insurance" has been able to obtain millions of medical reimbursement quotas with less funds, which is very suitable as a supplement to the critical illness insurance.
That is to say, if you purchase "Millions of Medical Insurance", the medical expenses of hundreds of thousands or even millions of patients can be reimbursed to the insurance company. Moreover, most of the "Millions of Medical Insurance" does not limit the scope of medication, reimbursement. The proportion is much larger than that of social security, and there are even individual insurance types that can pay for medical expenses.
However, medical insurance is a compensation type, and only the actual expenses during the hospitalization process are reimbursed. The hidden expenses in the treatment process cannot be solved. For example, the nursing staff, the blood purchase, the round-trip fee for treatment in different places, the nursing expenses after discharge, and the nutrition fee. , can not be reimbursed.
Moreover, "Millions of Medical Insurance" is consumer insurance. Buying it once a year is also an uncertain factor. Therefore, the combination of critical illness insurance + medical insurance is the perfect way to solve medical expenses and reduce the burden on families.
3, many insurance companies' additional services can also help solve some problems to some extent. Such as medical delivery services, expert outpatient appointments, hospital green channels, and so on.
Someone will ask,Is it not possible to have social security?
Social security is a national welfare that everyone must have, but social security is characterized byWide range, low security and limited reimbursementCan only solve some basic needs. The more serious the disease, the higher the proportion of self-pay, and the more expenses outside the scope of social security reimbursement. So I often see crowdfunding and donations on the Internet. and,Social security payments are also a very difficult problem.The rules of each province are very different, and it is difficult to reimburse.
Therefore, based on social security, critical illness insurance, supplemented by medical insurance, is the ultimate solution to the family medical burden.
of course,There are also a few issues to be aware of.
1. There are thousands of insurance products, each of which has a difference. The details involved are very complicated. To insure yourself and your family, you must spend a certain amount of time to get to know the relevant knowledge in advance and buy the right direction. Don't completely exclude insurance, and don't listen to misleading at random. Be sure to leave your own thinking and discerning ability.
2, insurance is not want to buy at any time to buy, age and health have certain requirements, basically 60 years old or older, the choice of commercial insurance is very small. Even young people, if there are some problems with health, will be rejected by insurance companies. Therefore, it is the responsibility of yourself and your family to provide insurance as soon as possible.
Maybe parents are too late to get insured, this is the result of the times. However, we still have time, and one day, the "middle-age crisis" will also hang around. I have insurance for myself. If one day, such a thing happens to me, at least, there is compensation from the insurance company. Our children can not sell the house. This "middle-age crisis" will not repeat itself.
Teach you to fill out the policy correctly, pay attention to: financial notes, reply to the "dry goods" view.