There is a saying that ICU is a place where money is used to extend life. In fact, whether you live in ICU or general ward, you are using money to extend your life, but ICU makes people feel more like fighting for life in the hands of death.
The duty of the intensive care unit is to use all available equipment and instruments, use the most effective drugs to maintain the lives of critically ill patients and maximize the treatment time.
The intensive care unit is daunting because the average cost of the intensive care unit is 8000 yuan/day. Of course, everyone can charge a special fee for the intensive care unit. In fact, the charging items in the intensive care unit are the same as those in the general ward, and there is no special charge. For example, monitoring equipment, general wards and ICU are the same price. In other words, the charges for the same equipment in ICU and general wards are the same. It's just that patients in the intensive care unit use more life-sustaining equipment, but patients in the general ward basically don't need it, or some equipment is not provided in the general ward.
ICU expenses mainly include three parts: medicine expenses, treatment expenses and examination expenses. When patients enter ICU, they need more equipment, such as monitoring equipment and life support equipment, which will lead to increased expenses. It is also necessary to conduct real-time tests to check various physical indicators, which is another cost increase. Drugs are the most advanced imported drugs or specific drugs, and the cost has increased.
So the uniqueness of ICU is not that there are any special charges. The price of nursing fee and bed fee is not much higher than that of ordinary wards, and the bed fee and nursing fee are about 100 yuan, but mainly in equipment, examination and medication.
So we should pay more attention to the severity of the disease, not the difference between wards. Many cancer patients treated in general wards and outpatient clinics spend more than those treated in ICU.
The reimbursement of drugs in ICU still depends on whether drugs are used for social security. If it is used for social security, it can still be reimbursed. If it is not used for social security, it cannot be reimbursed whether it is in ICU or not. If there is no commercial medical insurance, medical expenses still need to bear a large part. Many people think that everything will be fine with social security, and the state will solve my medical expenses. Even if social security can be reimbursed 80%, if it costs 1 10,000, there are still 200,000 people to bear, and the social security reimbursement for large medical expenses is about 50%. High medical expenses will definitely involve more expensive specific drugs and imported drugs. In this way, the average reimbursement rate will be around 40%, and most of the reimbursement can't be done at all, let alone comprehensive protection.
One is social security, the other is commercial medical insurance, and the other is social security plus commercial medical insurance.
Social security is divided into employee medical care and resident medical care. In ordinary 3A hospitals, the highest reimbursement rate for medical treatment for employees is about 80%, and that for residents is about 50%, which will decrease 10%-20% if they seek medical treatment in other places. Judging from the proportion of reimbursement, the proportion of medical reimbursement for residents is relatively low. If there is only social security, the burden of medical expenses is still very heavy.
Millions of medical care is a powerful supplement to social security. Millions of medical care is characterized by high insurance coverage, which can basically meet all medical expenses in China. Not limited to social security drugs, it can realize the reimbursement of specific drugs and imported drugs 100%, solve drug use concerns, buy the best drugs directly, and achieve the best treatment effect; Unlimited to the region, break the limitation of social security regional reimbursement ratio, and no matter which hospital you go to in the country, you can reimburse 100% of medical expenses after social security reimbursement; Additional services, such as medical green links, expert appointments, taking medicine outside the hospital and other services, many insurance companies have cooperated with some medical service companies to launch various medical services. You can pay attention to it when buying. After all, good medical services can make medical treatment more secure.
A serious illness not only leads to medical expenses, but also leads to expenses during medical treatment and loss of income after treatment. Just like Zeng Wanhong, he still needs long-term rehabilitation treatment after discharge, and he may not be able to work for a long time.
Because medical expenses are the most direct expenses, we will pay close attention to them, but ignore the indirect losses caused by a serious illness. If critical illness insurance is provided after purchasing millions of medical services, critical illness insurance can be used as a guarantee for indirect losses after millions of medical services reimburse medical expenses. For example, cancer medical expenses cost 300,000 yuan, millions of medical expenses are reimbursed, and critical illness insurance claims 300,000 yuan, so that you can feel at ease and recover, and you don't have to think about working to make money for the time being.
At the same time, I suggest you also buy accident insurance. Why should I add accident insurance? We usually pay more attention to the medical treatment of diseases, and seldom pay attention to the medical treatment and losses caused by accidents. In fact, because there are many unexpected medical treatments, they are rarely reimbursed.
Accidents are divided into three responsibilities and no three responsibilities. If there are three kinds of responsibilities, the party responsible for the accident shall be responsible for compensation. If the three are not responsible, they can only be responsible for all expenses, and the proportion of social security compensation for accidental medical care will be far lower than that for disease medical care. Moreover, there is no outpatient reimbursement for social security or there is outpatient reimbursement in some places, but the amount is limited and the reimbursement ratio is very low. As mentioned above, millions of medical treatment generally have a deductible of 10 thousand yuan. If you don't configure accident insurance, there is a risk that accidental medical treatment can't pay. Many accidents do not require hospitalization at all, such as many injuries and fractures. The emergency room can treat and dress, and the cost is not low. If there is no accidental medical treatment, it is likely that you will have to bear all the medical expenses yourself.
Accident insurance is cheap. A few hundred dollars can buy hundreds of thousands or even millions, more than 50 thousand accidental medical treatment. You can get claims whether you are in the clinic or in the hospital, and accident insurance is a comprehensive guarantee.
Take precautions and provide yourself with adequate protection so that family members will not hesitate for money when making choices at the ICU door. If you are only 50% sure to save one person, but you have to put all your possessions on it, everyone will hesitate. If you can realize this in time and provide yourself with adequate insurance, you don't need to be rich to survive.