Inscription: the gap between the rich and the poor is a distance of disease! When a person has a serious illness, for a family, it is actually two kinds of serious illness, one is a physical illness, and the other is a family economic illness. With insurance, the pain caused by these two serious diseases can be alleviated.
The reasons why many people refuse to buy critical illness insurance are:
Some people say I won't get seriously ill.
Some people say I have no money to buy it.
Some people say I have social security. ...
Let me talk to you about the value and significance behind the critical illness insurance products.
I. 72%
A gangster shot in downtown, with accurate marksmanship and many bullets. The shooting hit rate is 72%, that is, 72 people will be hit in average 100 people. Are you afraid of meeting such a gangster? It is a slap in the face to say that you are not afraid.
I'm telling you, this gangster is a very serious disease. 72% is the probability that we are seriously ill. This data was heard in the first training I attended. The probability of serious illness is 72. 18%. I am looking for the specific source of this number, but there is no very authoritative source. I once doubted whether this figure was a bluff, but after I took a backward approach, I believed it.
People will die 100%, which is beyond doubt. No matter when you die, you can't escape the following ways of death: suicide, homicide, accidental death and disease. The suicide mortality rate given by the International Health Organization is 16 people /65438+ 10,000; There is no authoritative data on his killing me, but the number is small, and the accidental death rate is 3‰. The rest is sick, which is the most. There are two kinds of diseases: serious illness and minor illness. At present, the death rate caused by minor illnesses is not high, and the rest are serious illnesses. After retrogression, the death rate of serious illness is the largest, 72%, I believe.
Some people, after suffering from serious diseases defined by critical illness insurance, think that the probability of these serious diseases is too low, and these serious diseases have nothing to do with themselves. The fact is, some serious diseases are not rare, but we just don't understand them. For example, in critical illness insurance, there is a serious disease called "multiple sclerosis", which most people have never heard of. But in the United States, multiple sclerosis is the second leading cause of disability among young people, second only to car accidents. There are more than 2.5 million patients with multiple sclerosis in the world, with a population of more than 7 billion, with an average of 1 person per 2,800 people. In order to arouse the world's attention to multiple sclerosis and promote related research and medical progress, the last Wednesday of May every year is World Multiple Sclerosis Day.
Why is the incidence of serious illness so high? I don't talk about diet, air, water quality and other issues, because everyone knows these things, and I don't feel much if I talk too much. Then look at the human body itself. The human body is like a machine, and the most sophisticated machine in the world can't compare with the internal structure of the human body.
In this incredible machine of the human body, thousands of parts are constantly running. The human body consists of 206 bones, 450 pairs of muscles, 800 tissues, 100 organs, 950 kilometers of veins and 4-6 trillion cells. The whole system is constantly metabolized with the beating of the heart. In this magical machine, many activities are carried out day and night: the heart beats 108000 times a day, the lungs breathe 26000 times, the stomach secretes 1.5 liters of gastric juice, and the kidney filters 1.7 liters of blood.
Cars need maintenance, warranty and insurance, so cars will still have problems, and so will steel things. The human body is made of meat. An engine with the heart as the human body. After driving for a long time, you can stop and let the engine have a rest. If you want to stop your heart for a few minutes, you may be completely "rested". (Game over)
Second, disease and money.
Car problems need to be repaired, just as people need to spend money to treat diseases. The cost of treating a serious illness is huge, and the cost is not a new topic. But I also want to use an ordinary news report to analyze the cost of treatment.
Cao Yan is in her thirties this year. After graduation in 2006, I worked as a teacher in a county high school in Anyang, Henan. One day, she felt unbearable pain in her left armpit. She went to the hospital for examination and was diagnosed with metastatic breast cancer. The reference value at that time was HER_2(2+). After treatment, Cao Yan's condition was not suppressed, and the doctor said that the drugs used in previous chemotherapy were not suitable for her. The hospital operated on Cao Yan and removed the tumor that had already appeared. HER_2 has changed from (2+) to (3+) when doing pathology. If this value is greater than 2.2, it is positive, and cancer cells are easy to metastasize and spread. The hospital said that targeted therapy must be taken now, and a drug called Herceptin is needed, which can specifically kill cancer cells without harming good cells. The price of this medicine is 25,800 yuan per bottle, and one course of treatment requires 14 bottles. Imported drugs cannot be covered by medical insurance. Although there is a policy of buying 6 bottles and getting 8 bottles free, a course of treatment costs more than 654.38+0.5 million, plus 200,000 other drugs and radiotherapy. Chemotherapy and surgery in the previous five months have cost 65,438+10,000 yuan, all borrowed by Cao Yan's parents.
200,000! Where did it come from? Cao Yan's family has a 53-square-meter old building in Gongzhuling, which can sell up to 200,000 yuan. Now it has posted an advertisement for sale. Cao Yan's attending doctor, Wu Di from the Department of Breast Surgery, First Hospital of Jida University, said: "It is best to use Herceptin within one month after operation, otherwise it will spread easily. If you use it now, Cao Yan can basically recover; If you don't use it, once it recurs, you will lose the chance of cure. "
Now that half a month has passed since the operation, the money has not been settled. Her husband Zhang Fei said, "I hope someone with good intentions can help her. She is an excellent teacher in our county and has been admitted to graduate school. She will make greater contributions to society in the future. Our son is only three years old. " Zhang Fei has been asking for help everywhere these two days. Day by day, he is more anxious than anyone!
This is a very common news report. The protagonist is an ordinary teacher. After listening to this story, many people will not pay attention to such ordinary people and things. Ignoring them means ignoring ourselves, because many of us are ordinary people.
In this report, we can read a series of information: information one, there is good medicine; Information 2, cannot be reported; Information 3, no money; Information four, people suffer.
Someone once joked: "God wants to punish a person, there is no need to let him go to hell, as long as he is the first and responsible;" Second, there is a serious illness at home; Third, let him have no money; Fourth, let the sick people have no insurance. "Having a serious illness and no money, no serious illness insurance, and a sense of responsibility, and not wanting to give up, this is really a torment. This kind of suffering is called-intentional (sense of responsibility) and powerless (financial resources).
A serious illness, there are more money for treatment, less money for treatment, and no money for tricks. This is like Zhao Benshan's sketch line: "My feet are as big as your shoes, and my feet are fixed for your shoes." The same is true of going to the hospital. How much money you have, I have what kind of treatment plan. Not afraid that you have money, but afraid that you have no money.
Third, the gambler of life.
When I recommend serious illness insurance to some people, they will think that they will never get serious illness in their lives. How to evaluate people who have this idea?
When a gambler loses all his money, we say he is a black sheep. If a person is seriously ill and spends all his money, what should we say about this person?
Some people say that the two are not comparable and are not of the same nature. But my point is that in some ways, the nature is the same. Gamblers are a kind of risk, so is being seriously ill.
First of all, their initial thoughts are the same: one is not to lose, and the other is not to get sick. Gamblers are addicted to gamblers' ideas and think that winning or losing is someone else's business; The idea of some people who don't buy critical illness insurance-not getting sick, getting sick is someone else's business.
Thirdly, the results of the two are similar: one is bad luck, gambling lost all the money; One is that he was unfortunately seriously ill and spent all his money on his illness.
People who think they won't get seriously ill are gamblers in life. Sometimes this kind of gambler is even more terrible-he spends all his money, loses his life and drags down his family.
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