CAR-T incorporation
List of special drugs for Jihuibao
2021
CAR-T immune cell therapy is one of the most high-profile cancer treatment therapies in recent years for the treatment of adult patients with relapse after receiving second-line or higher systemic therapy, or with large refractory B-cell lymphoma. At present, the CD19 target autologous CAR-T cell therapy product Yi Kaida (Agilunse Injection) has been approved for marketing in China, becoming the first cell therapy product listed in China.
In the past, the treatment of tumors was nothing more than surgery, radiotherapy and chemotherapy, which had certain limitations, but the emergence of CAR-T has given new options for cancer therapy!
01
What is CAR-T Therapy?
CAR-T therapy is chimeric antigen receptor T cell immunotherapy, known in English as Chimeric Antigen Receptor T-Cell Immunotherapy. This is a new precision-targeted therapy for the treatment of tumors, which can accurately identify and quickly eliminate cancer cells.
This therapy consists of two parts, CAR and T. T cells are abnormal cells that can recognize, kill and remove the body, and CAR is actually a "GPS navigation system". The treatment process is particularly complex, including blood collection and extraction, genetic modification, culture and proliferation, and infusion and anti-cancer.
Simply put, using the patient's own immune cells to kill cancer cells after genetic modification is a very promising new tumor immunotherapy method that can be accurate, fast, efficient, and possibly curative of cancer.
However, the high cost of car-T treatment also makes patients stop.
The price of a life-saving medicine per house
On June 28, a drug sales order suspected of Fosun Kate Agironse Injection (trade name: Yi Kaida) circulated online, showing that the retail price of Agironse Injection was 1.2 million yuan / bag (about 68ml).
In fact, not only Yikaida, but also the 5 CAR-T therapies currently listed are "quite expensive". The five CAR-T therapies currently approved by the U.S. Food and Drug Administration (FDA) are priced between $373,000 and $475,000 (equivalent to between RMB2,408,000 and RMB3,066,000).
It can be said that one injection is simply the price of a house!
This life-saving drug is not covered by Medicare
Although there is medical insurance, although CAR-T "Yikaida" has been approved for listing, it is not within the scope of medical insurance and is a completely self-funded project. Who can afford to spend on ordinary people?
At present, there are less than 3,000 kinds of drugs included in the medical insurance directory, of which 100% of the class A drugs are reimbursed more than 1900 kinds, 10-30% of the class B drugs are reimbursed more than 800 kinds, and nearly 200,000 kinds of self-funded drugs are not included in the medical insurance directory.
CAR-T "Yi Kaida" is a kind of self-funded drug that is not included in the medical insurance list.
02
Can commercial insurance help?
Must be able to! This time I want to tell you the good news.
Jointly underwritten by Chinese Min Property & Casualty Insurance Co., Ltd. Hebei Branch and Chinese Life Property & Casualty Insurance Co., Ltd. Hebei Branch, jihuibao, which is provided by Beijing Yuanxin Huibao Technology Co., Ltd. with special drug services, has included the drug in the list of guaranteed drugs!
As long as the insured is diagnosed with the disease corresponding to the specific drug list formulated by the special drug list formulated by the product by the specialist doctor of the public hospital of the second level or above, the specific drug cost that must be reasonably incurred for treatment and in accordance with the agreement can be paid!
And it includes a maximum insurance amount of 1 million yuan, which can almost cover the cost of this CAR-T drug!
At the same time, the deductible amount starts from 0 yuan, and the compensation ratio is as high as 80%!! If you have pre-existing conditions, you can also pay 20%! No health notice required!
The most important thing is that it can cover such a high drug cost, and the product price is only 79 yuan a year! The maximum medical coverage is 3 million.
Every family can easily afford it!
In addition to being able to cover these high-priced domestic and foreign specific drugs, as a useful supplement to medical insurance, Ji Huibao can also pay for inpatient medical expenses in the basic medical insurance directory and inpatient medical expenses outside the basic medical insurance directory!
Up to 7 healthcare-related health management services are also available! It is a very cost-effective, cost-effective commercial insurance product.
03
Why do you have the strength to launch such a product?
This has to be mentioned behind the launch of Ji Huibao products
——Yuanxin Huibao Company.
As a comprehensive health service provider based on professional pharmacy, connecting "doctor-patient-drug-insurance".
Yuanxin Huibao, together with Miaoshou Doctor Internet Hospital, Yuanxin Pharmacy, Kunpeng Insurance Broker, Kezheng Valuation and other professional institutions, takes the professional ability of "insurance + medical + medicine" as the service basis to provide more reliable medical and pharmaceutical protection for people with major diseases, chronic diseases and other diseases and healthy people; provide insurance companies with solutions such as "product actuarial pricing, risk control, user acquisition and viscosity training" and high-quality health management services!
It also has its own strong advantages in domestic and foreign special drugs.
Advantages of domestic special drug services:
With a professional medical team and intelligent claim system, as well as a perfect network of self-operated + cooperative pharmacies, able to provide services such as drug delivery to the door, and has a strong risk control investigation capability, etc., are the unique advantages of Yuanxin Huibao.
Advantages of foreign special drug services:
In terms of foreign special drugs, Yuanxin Huibao has cooperated with lecheng administration bureaus to build a joint venture company, a comprehensive insurance service platform, and a Lecheng pharmaceutical supply chain service company, which can fully meet the needs of patients in different dimensions.
Therefore, it has the ability to launch such a good product with high cost performance. At the same time, car-T can also be included in the list of special drugs this time, which proves the strength of Yuanxin Huibao.
So such a good product is really worth it
Let's give ourselves a guarantee!
The heart is not as good as the action~