Do you have an iron triangle for cancer medical insurance? Use health insurance and partner with commercial insurance to use new cancer treatments
(Central News Agency Information Service 20221019 11:35:09) The cancer clock is spinning fast every year, but cancer is no longer a terminal disease. As long as you are willing to undergo active treatment, there is still a chance to regain your health. Current cancer treatment mainly includes traditional surgery, radiotherapy and chemotherapy. However, with the advancement of medical technology, new treatments are also being developed with each passing day. Patient-friendly medications and treatment methods can be found more effectively, they suppress cancer cells relatively accurately, and also help reduce discomfort during cancer treatment. In the unfortunate case of cancer, in addition to the basic health services provided by the National Health Insurance, everyone hopes to receive the most advanced and high-quality medical care, which can be supplemented by commercial insurance.
The essence of insurance is to transfer possible risks. Nanshan Life Insurance recommends that everyone prepare enough medical cancer insurance iron triangle: “therapeutic type products”, “one-time payment products”, “refill package products” “To get complete protection. Nanshan Life has designed more new cancer therapy products with insurance expertise and launched the “Nanshan Life Cancer Specific Robotic Arm Minimally Invasive Resection Surgery Medical Additional Provisions (1RAS)” (Note 1), which provides policyholders, genetic testing, therapy In addition to immune cell therapy, another new type of cancer therapy is warranted. It will give people the opportunity to have full insurance protection, choose more effective and adequate treatment methods and obtain better medical resources, without causing excessive burdens on families.
On the road to life, don’t rely on health insurance to fight risks
According to the last 10 leading causes of death in 2021 recently published by the Ministry of Health and Welfare, cancer was the top 10 cause of death for 40 consecutive years. (Note 2) In Taiwan, more than 700,000 people seek medical treatment for cancer every year, and cancer health insurance medical bills are even higher year after year Burning NT dollars (same below) 100 billion (Note 3). Health insurance is the most basic guarantee for Chinese people, but there are many new cancer treatments and medicines that still require out-of-pocket expenses. For example, if you are using a targeted drug that is not covered by health insurance at your own expense, the monthly cost will easily cost hundreds of thousands of yuan; in addition, autologous immune therapy was not included in the health insurance benefit, and the cost of treatment in most hospitals exceeds one million yuan. (Note 4)
According to Nanshan Life statistics, 60 to 70% of policyholders are insured with cancer insurance, but most of the insured amount is only 500,000-600,000 yuan, which is obviously insufficient to cover medical expenses and of care after cancer. pressure, with physical and mental repercussions and on the quality of life. Since we never know when cancer will suddenly come this way and we are unable to determine the corresponding treatment methods, what we can be sure of is that the scope of cancer protection can be expanded through cancer. commercial insurance. high-value, self-paid items through supplemental packages When you have cancer, you are assured of receiving the best treatment.
Iron Triangle Cancer Medical Insurance: “Treatment Type”, “One-Time Benefit Type”, “Supplemental Package”
Nanshan Life recommends that people make cancer insurance plans in advance and check regularly for gaps in protection. Most people think they just need to purchase cancer insurance. However, Nanshan Life recommends that when choosing medical cancer insurance, you need to consider “building”, “” Enhancing and expanding three main points of protection: “1. There must be cancer treatment products to build the protection basis. 2. Use one-time cancer payment products to improve protection. 3. Purchase new cancer therapy supplements to expand protection. ” “Collaborative commercial health insurance” to reduce the financial impact on families in case of cancer.
“Therapeutic products” can be used to pay for common radiotherapy, chemotherapy, traditional surgery, etc., to reduce the economic burden of the treatment process and to “build” basic cancer protection. The features of “one-time payment products” can help people get timely insurance support after suffering from cancer, which can be freely used in various items such as medical expenses and care labor according to actual needs to “improve” the protection. If your budget is tight, you can also increase the amount of coverage during critical periods through term type cancer insurance, which is easier to afford than whole life insurance.
Purchase “add-on packages” to “expand” existing cancer protection, especially for new, high-cost, self-financed tests and treatment items. ) “(provides targeted therapeutic protection for severe cancer),” Nanshan Life’s Precision Medicine Post-Cancer Genetic Additional Test Terms (1CGT) “(provides protection from cancer genetic testing after suffering from cancer) and” The fourth Nanshan Life stage of autologous solid cancer Additional terms such as cellular immune therapy (1SCT) “(providing patients with solid cancer for the first time with stage 4 coverage of autologous immune cell therapy) and other additional terms (Note 5) they are designed for different medical oncological needs.
Nanshan Life recently launched “Nanshan Life’s Cancer-Specific Robotic Arm Minimally Invasive Resection Surgery Medical Additional Disvisions (1RAS)” in line with various new cancer treatments. Taking for example a 35-year-old insured woman, the annual premium for the first year is about 270 yuan, if unfortunately she is diagnosed with stage one breast cancer at the age of 42 and undergoes minimally invasive resection with the robot. da Vinci arm, will receive cancer-specific minimally invasive resection with robotic arm Medical insurance is 150,000 yuan to reduce the medical burden. Currently, the robotic arms used in medical practice to remove tumor lesions are mainly the Da Vinci Mechanical Assisted Surgery System and the Gentleman Robotic Arm System, while the same type of products currently on the market only provide the protection of the Da Vinci robotic arm. . Life insurance is different from other similar products in the same industry., In particular, the Shenhan robotic arm system is included, so that policyholders have more choices and more comprehensive protection.
Nanshan supplementary medical insurance is in effect
The concept of “Collaborative Commercial Health Care Insurance” is not limited to cancer treatment, but also to comprehensively improve medical accessibility. Nanshan Life launched a “Collaborative Commercial Health Care Insurance” section on its official website (Note 6), in addition to the aforementioned cancer protection new therapeutic supplements, there are also rich introductions of value-added medical products, in so that under the ever-changing medical technology, in addition to basic health insurance medical services, people can also purchase commercial insurance to improve the quality of medical care care and enjoy more comprehensive medical insurance (such as equipment subsidies medical insurance and medical insurance), new treatments, etc.). Nanshan Life also recommends that, after purchasing insurance, remember to double-check the adequacy of coverage at least every three years. Typically, an insurance vendor may conduct a health check on the policy to fully review and close the protection gap.
Nanshan Life reminds that when purchasing the above insurance products, you should still pay attention to confirm whether the coverage and payment methods meet your needs, so as to effectively perform the risk transfer function of the insurance products. For the detailed product content above, payment specifications, precautions and related warnings, please refer to the product introduction and policy terms, or contact your Nanshan Life Insurance seller, call 24 customer service center hours a day at 0800-020-060, or go to the Nanshan Life Insurance Company website query http://www.nanshanlife.com.tw.
