癌症医疗保险报销全攻略：认识这些，你最少能省70%治疗花费！
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">这几年，抗癌新药层出不穷，靶向药和PD-1抗体免疫治疗<span style="color: black;">药品</span>的涌现，让不少晚期实体瘤<span style="color: black;">病人</span>的<span style="color: black;">存活</span>期实现了质的飞跃。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">新药、新技术<span style="color: black;">持续</span>进步，肿瘤<span style="color: black;">病人</span>的<span style="color: black;">存活</span>期<span style="color: black;">持续</span>拉长、治愈率<span style="color: black;">持续</span><span style="color: black;">加强</span>，这本身是一件好事，但与此<span style="color: black;">同期</span><span style="color: black;">亦</span>对<span style="color: black;">病人</span>家庭的经济能力提出了全新的、巨大的挑战。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">幸运的是从2018年<span style="color: black;">起始</span>，曾经的“天价”抗癌药<span style="color: black;">起始</span>逐步纳入<span style="color: black;">医疗保险</span>，而不同的省市及地区<span style="color: black;">亦</span>配套出台了多种多样的扶持政策，只是这些政策的名字和<span style="color: black;">详细</span>细节，各地差异很大。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">例如</span>，有的地区叫做大病<span style="color: black;">医疗保险</span>，有的地区叫做特种病保险，有的地区叫做门诊大病……不同地区的病友有着不同的报销方式。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">例如，这是一张深圳市给肿瘤病友准备的门诊大病诊断证明书。把类似的单据填齐了，主管医生签字、就诊的医院盖章后，肿瘤病友在门诊接受的放化疗等<span style="color: black;">各样</span>治疗，大部分就能和住院<span style="color: black;">同样</span>报销了。</p>
<div style="color: black; text-align: left; margin-bottom: 10px;"><img src="https://pic4.zhimg.com/80/v2-91ccb28919d03e76e278dc62cc3cd7c7_720w.webp" style="width: 50%; margin-bottom: 20px;"></div>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">而这是浙江省温州市苍南县病友展示的苍南县特殊病种报销的审批表，在受到特殊<span style="color: black;">薪水</span>的“特殊病种”里，恶性肿瘤排名<span style="color: black;">第1</span>。言外之意，只要<span style="color: black;">根据</span><span style="color: black;">需求</span>准备好<span style="color: black;">这般</span>的特殊病种确认表，<span style="color: black;">医疗保险</span>报销上就能享受<span style="color: black;">更加多</span>的实惠。</p>
<div style="color: black; text-align: left; margin-bottom: 10px;"><img src="https://pic2.zhimg.com/80/v2-5782c717895f337661ba65351b4763d5_720w.webp" style="width: 50%; margin-bottom: 20px;"></div>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">为了尽可能地<span style="color: black;">加强</span>肿瘤病友的报销比例和<span style="color: black;">看病</span>便利性，各地其实都有<span style="color: black;">有些</span>相应的、区别于普通<span style="color: black;">疾患</span>的报销政策，可惜<span style="color: black;">都数</span>病友并不熟悉。今天，<span style="color: black;">咱们</span><span style="color: black;">按照</span>各类信息汇总，给<span style="color: black;">大众</span>总结一下癌症<span style="color: black;">病人</span>们的<span style="color: black;">医疗保险</span>报销全攻略，请各位<span style="color: black;">保留</span>好。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">1、城乡居民保险、职工医疗保险和新农合保险</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">这三类保险其实是<span style="color: black;">病人</span>们最<span style="color: black;">平常</span>的保险类型，<span style="color: black;">亦</span>是<span style="color: black;">咱们</span>医疗<span style="color: black;">花费</span>报销的<span style="color: black;">基本</span>。在<span style="color: black;">医疗保险</span>及政策范围内，癌症<span style="color: black;">病人</span>住院产生的<span style="color: black;">花费</span>报销金额最高可报70%。而这三类保险的报销方式<span style="color: black;">亦</span>是最简单的。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">报销方式</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">病人</span>正常办理住院、出院；</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">准备这些材料，到医院的<span style="color: black;">医疗保险</span>窗口或<span style="color: black;">医疗保险</span>办公室进行报销结算：</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">住院<span style="color: black;">花费</span><span style="color: black;">名单</span>、参保人的<span style="color: black;">关联</span>证件（例如身份证、<span style="color: black;">医疗保险</span>卡及其他<span style="color: black;">关联</span>证明证件）、出院小结（需加盖公章）、住院病历等（不同地区所需的材料可能不同，但大致均为<span style="color: black;">以上</span>材料）</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">材料审核<span style="color: black;">经过</span>后，<span style="color: black;">就可</span>顺利完成<span style="color: black;">医疗保险</span>报销的办理。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">针对</span>这三类保险，最<span style="color: black;">要紧</span>的<span style="color: black;">第1</span>步<span style="color: black;">便是</span><span style="color: black;">首要</span>到医院的<span style="color: black;">医疗保险</span>窗口进行咨询，<span style="color: black;">通常</span>在院内就可完成办理，办理流程<span style="color: black;">亦</span>相对简单，这是癌友们<span style="color: black;">必须</span><span style="color: black;">把握</span>的报销<span style="color: black;">第1</span>步。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">2、大病<span style="color: black;">医疗保险</span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">大病<span style="color: black;">医疗保险</span>是除了<span style="color: black;">以上</span>三种<span style="color: black;">医疗保险</span>以外，癌症<span style="color: black;">病人</span>们最<span style="color: black;">要紧</span>的二次<span style="color: black;">医疗保险</span>报销政策。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">所说</span>的二次报销，<span style="color: black;">实质</span>上<span style="color: black;">便是</span>在城乡<span style="color: black;">医疗保险</span>、职工<span style="color: black;">医疗保险</span>或新农合<span style="color: black;">医疗保险</span>报销过后，仍<span style="color: black;">必须</span>承担<span style="color: black;">很强</span>治疗花费的。超出部分即<span style="color: black;">能够</span>享受大病<span style="color: black;">医疗保险</span>。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">它的报销<span style="color: black;">前提</span>为：一年内，<span style="color: black;">病人</span>的医疗<span style="color: black;">花费</span>（自费部分）大于上一年度当地居民人均收入，<span style="color: black;">就可</span>报销。（参保人需<span style="color: black;">拥有</span>城乡<span style="color: black;">医疗保险</span>或职工<span style="color: black;">医疗保险</span>）</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">举例<span style="color: black;">来讲</span>，癌友李先生<span style="color: black;">这次</span>住院<span style="color: black;">花费</span>在经过了<span style="color: black;">医疗保险</span>报销后，自费支出了8万元。而假设李先生所在地区当年人均可<span style="color: black;">安排</span>收入为4万元，<span style="color: black;">那样</span>超出的4万元部分就<span style="color: black;">能够</span>进行大病<span style="color: black;">医疗保险</span>的报销。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">而这部分报销金额采取了阶梯式报销，自费越多，报销比例越高：</p>自费2-5万元的<span style="color: black;">病人</span>，报销比例为50%；自费5-10万元的<span style="color: black;">病人</span>，报销比例为60%；自费10万元以上的<span style="color: black;">病人</span>，报销比例为70%；最高报销上限为30万元。<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">而<span style="color: black;">病人</span><span style="color: black;">一样</span>是<span style="color: black;">必须</span>先咨询住院医院，确定大病<span style="color: black;">医疗保险</span><span style="color: black;">选定</span>医院是哪一家，到该院<span style="color: black;">医疗保险</span>窗口或办公室递交<span style="color: black;">关联</span>资料（所需病例资料与城乡居民保险大致相同）。该<span style="color: black;">选定</span>医院审核后上报<span style="color: black;">关联</span><span style="color: black;">医疗保险</span><span style="color: black;">公司</span>审核，随后由<span style="color: black;">关联</span><span style="color: black;">医疗保险</span><span style="color: black;">公司</span>发放报销款。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">3、门诊「慢病」报销</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">上面<span style="color: black;">咱们</span><span style="color: black;">说到</span>的报销方式均是住院才可报销。但各位熟悉医院的癌友可能更清楚，有时想要申请住院并不是<span style="color: black;">那样</span>容易的需求。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">针对</span><span style="color: black;">哪些</span><span style="color: black;">没</span>法住院，只能门诊诊断开药治疗的<span style="color: black;">病人</span>，各地均有一类政策，叫做“门诊慢病报销”。各地的<span style="color: black;">医疗保险</span><span style="color: black;">分部</span>都有一份列明“慢性病”的<span style="color: black;">名单</span>，癌症均<span style="color: black;">加入</span>在其中。癌友们<span style="color: black;">必须</span>带着以下资料：</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">身份证、<span style="color: black;">医疗保险</span>卡、自己的住院病历复印件（<span style="color: black;">必定</span>要加盖医院住院病历复印章）；<span style="color: black;">关联</span>的影像学资料到医院进行申请，符合<span style="color: black;">前提</span>认定的癌友就<span style="color: black;">能够</span>得到一个门诊慢病的小册子，以后即便是在门诊开药，只要出示这个慢病小册子，就<span style="color: black;">能够</span>享受到慢病门诊报销。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">部分地区门诊慢病报销是一年一次，<span style="color: black;">亦</span>有地区是当日门诊结束后就能报销。慢病门诊的报销<span style="color: black;">一般</span>有个起付线（大部分地区是600元），超出起付线的部分才<span style="color: black;">能够</span>进行慢病门诊报销。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">除了以上三种最<span style="color: black;">要紧</span>的报销方式以外，癌友们可能还会有两种特殊的报销方式<span style="color: black;">必须</span><span style="color: black;">认识</span>：</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">4、抗癌<span style="color: black;">药品</span>慈善政策</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">咱们</span>在上文中<span style="color: black;">说到</span>的<span style="color: black;">医疗保险</span>报销，均指的是纳入<span style="color: black;">医疗保险</span>报销范围内的<span style="color: black;">药品</span>。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">详情参考</p>
<div style="color: black; text-align: left; margin-bottom: 10px;"><a style="color: black;"><span style="color: black;"><span style="color: black;">重磅! 2021年<span style="color: black;">医疗保险</span>目录更新, 18种抗癌<span style="color: black;">药品</span>纳入<span style="color: black;">医疗保险</span>范围, <span style="color: black;">病人</span>们<span style="color: black;">必须</span>的<span style="color: black;">药品</span>大幅降价了！</span><span style="color: black;"><span style="color: black;"></span>mp.weixin.qq</span></span></a>.com/s?__biz=MzA3MzAxMzE1Ng==&mid=2654952115&idx=1&sn=f15833ac8acf9a1c24cb87bff69d197a&chksm=84de7878b3a9f16ee85b37321248c12321a39815ac7ccbd45782aa0a8bc868192fe7328b8702&scene=21#wechat_redirect<span style="color: black;"><img src="https://pic3.zhimg.com/v2-2e4cce0a8f9c6dba7cd66c0e4a203972_180x120.jpg" style="width: 50%; margin-bottom: 20px;"></span></div>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">而有的<span style="color: black;">药品</span>，则是抗癌效果非常好，但暂时<span style="color: black;">无</span>纳入<span style="color: black;">医疗保险</span>目录范围内的，这些<span style="color: black;">药品</span>应该怎么办？</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">针对这类<span style="color: black;">药品</span>，<span style="color: black;">非常多</span><span style="color: black;">药品</span>厂商会联合慈善总会推出慈善政策。<span style="color: black;">一般</span>是自费<span style="color: black;">运用</span>该<span style="color: black;">药品</span><span style="color: black;">必定</span>次数，慈善总会就会赠送<span style="color: black;">病人</span><span style="color: black;">必定</span>次数的<span style="color: black;">药品</span>免费<span style="color: black;">运用</span>，直至下一个自费周期<span style="color: black;">起始</span>，进行循环。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">针对这类慈善政策，<span style="color: black;">常常</span>不同的<span style="color: black;">药品</span>慈善政策各不相同。癌友们可咨询自己的主治<span style="color: black;">大夫</span>，<span style="color: black;">她们</span>可能会对开具的抗癌<span style="color: black;">药品</span>慈善政策有<span style="color: black;">必定</span>的<span style="color: black;">认识</span>；<span style="color: black;">另外</span>，联系该<span style="color: black;">药品</span>的<span style="color: black;">药品</span><span style="color: black;">表率</span>或咨询该<span style="color: black;">药品</span>药厂的客服（<span style="color: black;">经过</span>公众号、客服<span style="color: black;">tel</span>等手段）均可<span style="color: black;">认识</span>到慈善政策的<span style="color: black;">详细</span><span style="color: black;">需求</span>。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">5、异地<span style="color: black;">医疗保险</span>结算</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">癌症<span style="color: black;">病人</span>们<span style="color: black;">常常</span>有一个特殊的<span style="color: black;">医疗保险</span>报销需求：异地<span style="color: black;">医疗保险</span>结算。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">对中国而言，癌症的治疗水平在不同区域有着相当大的差异。北京、上海、广州等地的顶尖医院在癌症治疗水平上有着相当大的<span style="color: black;">优良</span>。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">于是癌症<span style="color: black;">病人</span>们异地<span style="color: black;">看病</span>的需求<span style="color: black;">亦</span>就相应产生了，<span style="color: black;">针对</span>这部分<span style="color: black;">病人</span>而言，<span style="color: black;">医疗保险</span>的报销就<span style="color: black;">成为了</span>至关<span style="color: black;">要紧</span>的事。异地<span style="color: black;">医疗保险</span>报销<span style="color: black;">亦</span>有一套相应的流程，<span style="color: black;">详细</span><span style="color: black;">包含</span>：</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">（1）首先<span style="color: black;">咱们</span><span style="color: black;">必须</span>在“参保当地”的社保局申请异地<span style="color: black;">看病</span>。<span style="color: black;">亦</span><span style="color: black;">便是</span><span style="color: black;">必须</span>到<span style="color: black;">病人</span>缴纳<span style="color: black;">医疗保险</span>的城市申请异地<span style="color: black;">看病</span>，而非即将去往治疗的城市。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">（2）<span style="color: black;">办好</span>“参保当地”的异地<span style="color: black;">看病</span>申请手续，<span style="color: black;">病人</span>们<span style="color: black;">能够</span>直接拿着<span style="color: black;">医疗保险</span>卡前往申请的异地医院<span style="color: black;">看病</span>，<span style="color: black;">医疗保险</span>报销在出院时就可直接结算。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">（3）而<span style="color: black;">针对</span>未提前申请异地<span style="color: black;">看病</span>的<span style="color: black;">病人</span>，异地<span style="color: black;">医疗保险</span>的报销就较为麻烦，且报销比例更低，起点更高。未申请的<span style="color: black;">病人</span><span style="color: black;">首要</span><span style="color: black;">必须</span>垫付医药费，在出院的时候将<span style="color: black;">所有</span>病历材料备齐，并事后来到“参保当地”的申报局办理异地<span style="color: black;">医疗保险</span>报销，<span style="color: black;">不外</span><span style="color: black;">一般</span>手续更为<span style="color: black;">繁杂</span>，且报销比例更低。癌友们<span style="color: black;">倘若</span>有异地<span style="color: black;">看病</span>的<span style="color: black;">必须</span>，<span style="color: black;">必定</span>要<span style="color: black;">首要</span>办理异地<span style="color: black;">医疗保险</span>申请。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">关于<span style="color: black;">医疗保险</span>报销其中的讲究，本篇<span style="color: black;">文案</span>只能大概做个综述，其中的窍门还远远大于<span style="color: black;">咱们</span><span style="color: black;">以上</span>内容，<span style="color: black;">亦</span>欢迎各位<span style="color: black;">病人</span><span style="color: black;">伴侣</span>在阅读完本文后在文末留言，留下您关于<span style="color: black;">医疗保险</span>报销经验的分享。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">携手抗癌，<span style="color: black;">才可</span>共克癌魔！</p>
谷歌外贸网站优化技术。 我完全同意你的观点，说得太对了。
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