When you think of the biggest expense of a family, what can you think of?
Some people may think that buying a house or a car, but in fact, if we are healthy, whether it is an RV or other high-priced items, we can earn it with our own hands.
Once you suffer from a disease that requires a large amount of money to be invested over a long period of time, it is a real wealth crusher.
Maybe some people will say, if we are sick, don't we still have medical insurance?
The reality shows that although by the end of 2022, the number of people insured by medical insurance in mainland China has reached 1.35 billion, and the reimbursement rate of medical insurance is as high as 80%, there are still many people who are shouting "looking down on the disease".
This can also be seen from the phenomenon of raising money for medical treatment such as water drops, so what is the reason for this?
First, the high price of drugs and the result of the uneven distribution of medical resources
There is a saying that is very good, the so-called "medical insurance" is only the most basic guarantee.
Of course, this has no effect on the minor illness of cold and fever, but if it is a serious illness or a rare disease, then the cost will be very high.
Even if 80% is reimbursed, the remaining 20% is still a lot of money, and it is not something that ordinary families can afford.
There is such a case.
The fundraiser's father was diagnosed with cancer, had surgery and the first chemotherapy treatment, and the total cost was already hundreds of thousands.
After the operation, he also needed special nursing care, which had a certain impact on the work of his family, but at the same time, my father had to be hospitalized all the time, and there were some special drugs imported from abroad that were prescribed, and he had to continue chemotherapy.
In just one year, more than 80 yuan was spent.
Such a number, not to mention how many of them are not covered by the medical insurance regulations.
Even if 80% of the total reimbursement is made, the remaining 160,000 yuan is a big burden for ordinary families, not to mention that this is only a year's time.
And whether it is film and television dramas, novels or reality, if the family is not well-off and suffers from leukemia, then the family will basically be ruined.
The cost of ongoing treatment and surgeries such as bone marrow replacement is absolutely sky-high.
In this case, even if medical insurance covers most of them, it is a drop in the bucket compared to the family.
Another phenomenon is that we will find in real life that high-quality medical resources are often concentrated in some large cities.
Some patients in remote areas have to go to other places for medical treatment if they want to get good treatment, and it is okay to be treated at one time.
If continuous treatment or even hospitalization is required, then for the family, there will be various transportation, accommodation and other expenses, which are not cheap and are not included in the scope of medical insurance reimbursement.
Second, there are starting lines and caps for medical insurance, and there are many self-paid items
There are some restrictions in the actual payment of medical insurance, such as the minimum payment line and the ceiling line.
In other words, if it is less than a certain amount, it will not be reimbursed, and if it is higher than a certain amount, it will be reimbursed.
In fact, it is not difficult to understand, medical insurance is essentially a universal basic guarantee, and it exists to benefit most people.
Compared with commercial insurance on the market, the characteristics of medical insurance are very obvious.
You must have the impression that if we want to buy a commercial medical insurance, then there will be a detailed assessment of your health condition, and even a medical examination report is required. In addition, the older the person, the higher the cost of insurance.
If we look back at health insurance, there are not many of these limitations, and no matter your age or current health condition, this benefit is available to everyone.
And it is not like commercial insurance, which can easily cost thousands or even tens of thousands a year, it is not expensive, and most people can afford to buy it.
In this case, it is obviously unrealistic to rely on medical insurance alone to solve the problem of medical treatment for most people.
The mainland has a large population base, and as you have learned from the previous data, medical insurance currently covers more than 1.3 billion people.
With this basic amount in front, if you want everyone to be protected, this may be possible, but if everyone is better cared for and better protected, this matter must be calculated to be an astronomical amount.
If left unchecked, the payment pressure can be enormous, but when restrictions are introduced that are suitable for the majority of people, some people will inevitably be affected.
For example, the incidence of various chronic diseases is increasing year by year, many patients with long-term chronic diseases need to continue to spend, and there are some serious diseases, which can easily reach the ceiling line of medical insurance payment.
The rest of the part is of course "looking down on the sick" for ordinary families.
In addition, with the improvement of medical standards, new technologies are added every year, but it is not yet time to enter the scope of medical insurance.
We need to go to the hospital for all kinds of advanced equipment diagnosis and treatment, etc., which cannot be reimbursed, and it is not cheap.
Of course, there is also a situation, that is, the reimbursement of medical insurance requires a process and time, in this process, many families will bear relatively large financial pressure in the short term, which also leads to many people feeling "unaffordable".
Source:
Southern Metropolis Daily 2023-12-26