肿瘤筛查暂不纳入医疗保险！癌症防治，保险企业能做什么？
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">癌症发病率逐年攀升，严重<span style="color: black;">害处</span>人们的生命安全和生活质量。3月5日，北京商报记者<span style="color: black;">重视</span>到，国家<span style="color: black;">医疗保险</span>局<span style="color: black;">近期</span><span style="color: black;">暗示</span>，暂时<span style="color: black;">没</span>法将肿瘤筛查纳入<span style="color: black;">医疗保险</span>，鼓励保险<span style="color: black;">公司</span><span style="color: black;">供给</span>肿瘤预防等保险服务。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">防癌于未然，保险<span style="color: black;">公司</span>肩上的担子更重了<span style="color: black;">有些</span>。<span style="color: black;">日前</span>，针对癌症防治，保险<span style="color: black;">机构</span>推出了<span style="color: black;">那些</span><span style="color: black;">制品</span>？<span style="color: black;">将来</span>有<span style="color: black;">怎么样</span>的市场空间？</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><img src="https://q2.itc.cn/q_70/images03/20240305/51266431928c4a3aac172cf060c054ee.jpeg" style="width: 50%; margin-bottom: 20px;"></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><strong style="color: blue;">多<span style="color: black;">方向</span>探索防癌险</strong></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">癌症是一类可防可控的<span style="color: black;">疾患</span>，大约40%的癌症<span style="color: black;">能够</span><span style="color: black;">经过</span><span style="color: black;">掌控</span>癌症危险<span style="color: black;">原因</span>、改变生活方式等得以避免。随着医疗技术的进步，癌症<span style="color: black;">已然</span><span style="color: black;">再也不</span>是“绝症”，但癌症的治疗却是一场“长征”，<span style="color: black;">仅有</span><span style="color: black;">即时</span>、有效地<span style="color: black;">发掘</span>治疗<span style="color: black;">才可</span>赢得最后胜利，癌症的筛查<span style="color: black;">亦</span>就<span style="color: black;">显出</span>尤为<span style="color: black;">要紧</span>。<span style="color: black;">然则</span>，<span style="color: black;">日前</span>癌症筛查仍未纳入<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;">3月5日，北京商报记者<span style="color: black;">重视</span>到，国家<span style="color: black;">医疗保险</span>局在回复王贵齐委员提案的答复函中<span style="color: black;">暗示</span>，<span style="color: black;">日前</span>将癌症筛查纳入<span style="color: black;">医疗保险</span>的<span style="color: black;">前提</span>还不成熟，从现<span style="color: black;">周期</span>医疗保险基金筹资水平和抗<span style="color: black;">危害</span>能力来看，暂时<span style="color: black;">没</span>法将肿瘤筛查这一类非治疗性的项目纳入<span style="color: black;">医疗保险</span>支付范围。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">不外</span>，<span style="color: black;">做为</span><span style="color: black;">医疗保险</span>的<span style="color: black;">要紧</span><span style="color: black;">弥补</span>，<span style="color: black;">商场</span>保险在肿瘤筛查方面<span style="color: black;">能够</span>派上大用场。国家<span style="color: black;">医疗保险</span>局<span style="color: black;">暗示</span>，鼓励保险<span style="color: black;">公司</span>适应消费者需求，<span style="color: black;">供给</span>综合性健康保险<span style="color: black;">制品</span>和服务。2023年11月，国家卫健委等<span style="color: black;">分部</span>印发的《健康中国行动—癌症防治行动实施<span style="color: black;">方法</span>（2023-2030年）》<span style="color: black;">亦</span><span style="color: black;">说到</span>，鼓励有资质的<span style="color: black;">商场</span>保险<span style="color: black;">公司</span><span style="color: black;">研发</span>癌症防治<span style="color: black;">关联</span><span style="color: black;">商场</span>健康保险<span style="color: black;">制品</span>。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">部分<span style="color: black;">商场</span>保险<span style="color: black;">机构</span>对肿瘤<span style="color: black;">病人</span>设置差异化险种，能够在<span style="color: black;">必定</span>程度上减轻恶性肿瘤<span style="color: black;">病人</span>的医疗<span style="color: black;">包袱</span>。北京商报记者梳理<span style="color: black;">发掘</span>，<span style="color: black;">日前</span>，市面上除了有针对癌症进行承保的重疾险和医疗险两大类，<span style="color: black;">都数</span>人身险<span style="color: black;">机构</span><span style="color: black;">亦</span>推出了不同类型的癌症防治类保险，在<span style="color: black;">制品</span>的个性化、细分化时代，防癌险逐步<span style="color: black;">显现</span>多个分支。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">在各大保险商城在售的防癌险中，<span style="color: black;">保证</span>期限方面，<span style="color: black;">重点</span>可分为短期防癌险和<span style="color: black;">长时间</span>防癌险，短期防癌险的<span style="color: black;">保证</span>期限<span style="color: black;">一般</span>为一年，<span style="color: black;">长时间</span>防癌险<span style="color: black;">保证</span>期限<span style="color: black;">达到</span>几十年<span style="color: black;">或</span>终身。从赔付形式来看，<span style="color: black;">能够</span>分为<span style="color: black;">花费</span><span style="color: black;">赔偿</span>型保险和定额给付型保险。<span style="color: black;">另外</span>，有的<span style="color: black;">制品</span>主打<span style="color: black;">保证</span>全、门槛低，有的则专门针对老年人，有的专门针对某一人群的高发<span style="color: black;">疾患</span><span style="color: black;">供给</span>相应的<span style="color: black;">保证</span>。还有专门针对乳腺、子宫颈等器官的防癌险<span style="color: black;">制品</span>。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">“当前的防癌险市场发展<span style="color: black;">快速</span>，<span style="color: black;">制品</span>种类更丰富，<span style="color: black;">保证</span>范围<span style="color: black;">持续</span>扩大，投保年龄更加宽松。”首都经贸大学农村保险<span style="color: black;">科研</span>所副所长李文中<span style="color: black;">暗示</span>，当前市场上的防癌险<span style="color: black;">制品</span>在减轻消费者<span style="color: black;">包袱</span>方面<span style="color: black;">重点</span>发挥了两方面<span style="color: black;">功效</span>，一是分散转嫁经济损失，<span style="color: black;">包含</span>医疗<span style="color: black;">花费</span>和收入损失；二是<span style="color: black;">供给</span>增值服务，<span style="color: black;">加强</span>消费者的健康<span style="color: black;">认识</span>，<span style="color: black;">帮忙</span>消费者加强健康管理，降低患病<span style="color: black;">危害</span>。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">“<span style="color: black;">日前</span>已有部分<span style="color: black;">商场</span>保险<span style="color: black;">机构</span>对肿瘤<span style="color: black;">病人</span>设置差异化险种，实现多次赔付，<span style="color: black;">必定</span>程度缓解了恶性肿瘤<span style="color: black;">病人</span>的医疗<span style="color: black;">包袱</span>。”国家<span style="color: black;">医疗保险</span>局<span style="color: black;">亦</span>在答复函中肯定了<span style="color: black;">商场</span>保险的成绩。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><strong style="color: blue;">服务链条可向前后两端延伸</strong></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">针对癌症筛查，国家<span style="color: black;">医疗保险</span>局<span style="color: black;">暗示</span>，将<span style="color: black;">连续</span>完善多层次医疗<span style="color: black;">保证</span>体系建设，积极会同<span style="color: black;">相关</span><span style="color: black;">分部</span>加快推动<span style="color: black;">商场</span>健康保险发展，<span style="color: black;">持续</span>创新保险<span style="color: black;">制品</span>，扩大<span style="color: black;">保证</span>范围，支持保险<span style="color: black;">机构</span><span style="color: black;">研发</span>与基本医疗保险相衔接的<span style="color: black;">商场</span>健康保险<span style="color: black;">制品</span><span style="color: black;">持续</span><span style="color: black;">加强</span><span style="color: black;">保证</span>能力。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">能够</span>说，防癌于未然，保险<span style="color: black;">公司</span>肩上的担子更重了<span style="color: black;">有些</span>。对此，多位业内人士认为，应将癌症防治类保险服务链条向前后两端延伸，一方面，把癌症筛查等健康管理服务融入<span style="color: black;">制品</span>责任中；另一方面，设计类似失能险责任的险种，<span style="color: black;">供给</span>收入<span style="color: black;">赔偿</span>。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">李文中<span style="color: black;">意见</span>，保险<span style="color: black;">机构</span><span style="color: black;">能够</span>从以下方面进一步扩展防癌险空间。一是<span style="color: black;">持续</span>扩展<span style="color: black;">保证</span>范围，在医疗<span style="color: black;">花费</span>之外<span style="color: black;">逐步</span>覆盖肿瘤筛查、预防、<span style="color: black;">恢复</span>等方面的<span style="color: black;">花费</span>，<span style="color: black;">乃至</span><span style="color: black;">包含</span>并发症的<span style="color: black;">保证</span>。二是为消费者<span style="color: black;">供给</span>精确的肿瘤健康<span style="color: black;">危害</span><span style="color: black;">评定</span>，为消费者<span style="color: black;">供给</span>更科学的肿瘤预防管理<span style="color: black;">方法</span>，<span style="color: black;">亦</span><span style="color: black;">能够</span>据此为消费者<span style="color: black;">供给</span>更<span style="color: black;">精细</span>的肿瘤<span style="color: black;">危害</span><span style="color: black;">保证</span><span style="color: black;">方法</span>。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">推动健康保险与健康管理融合发展<span style="color: black;">已然</span><span style="color: black;">作为</span>行业共识。专精特新<span style="color: black;">公司</span>高质量发展促进工程执行<span style="color: black;">专家</span>袁帅<span style="color: black;">暗示</span>，<span style="color: black;">日前</span>市场上的防癌险<span style="color: black;">制品</span><span style="color: black;">已然</span>比较细分，但还<span style="color: black;">能够</span>进一步针对不同人群、不同需求进行<span style="color: black;">研发</span>，如针对特定职业、特定地区、特定年龄段等人群<span style="color: black;">研发</span>相应的保险<span style="color: black;">制品</span>。<span style="color: black;">同期</span>，保险<span style="color: black;">机构</span><span style="color: black;">能够</span>与健康管理<span style="color: black;">公司</span>合作，为消费者<span style="color: black;">供给</span>更加全面的健康管理服务，如健康咨询、健康<span style="color: black;">检测</span>、健康<span style="color: black;">干涉</span>等。这既能够吸引<span style="color: black;">更加多</span>消费者购买保险<span style="color: black;">制品</span>，<span style="color: black;">亦</span>能够<span style="color: black;">加强</span>消费者的健康水平。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">针对癌症<span style="color: black;">病人</span>的收入<span style="color: black;">赔偿</span>，有业内人士近期撰文<span style="color: black;">暗示</span>，随着癌症<span style="color: black;">存活</span>率的<span style="color: black;">加强</span>，为<span style="color: black;">提高</span>带病人群的生活品质，<span style="color: black;">必须</span><span style="color: black;">思虑</span><span style="color: black;">连续</span>的经济支持，就这一特性<span style="color: black;">能够</span>设计类似失能险责任的险种，客户<span style="color: black;">病患</span>癌症并在治疗和<span style="color: black;">恢复</span>过程中，<span style="color: black;">能够</span>为其<span style="color: black;">连续</span><span style="color: black;">供给</span>收入<span style="color: black;">赔偿</span>。<span style="color: black;">另一</span>，<span style="color: black;">能够</span><span style="color: black;">包括</span>心理辅导等责任，<span style="color: black;">帮忙</span><span style="color: black;">病人</span>和家庭应对心理压力，<span style="color: black;">加强</span><span style="color: black;">自信心</span>。</p>
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