120万一针的癌症特效药，保险能赔吗？
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><img src="https://mmbiz.qpic.cn/mmbiz_png/Xt5EuC0p8rdc9cDunUGbxz4hM2CKGfjqrNjcic0GdicgEVYIvAG2LkcLFADdO6uibuhN3pbp4iafMxuFS8mKKNQjBw/640?wx_fmt=png&tp=webp&wxfrom=5&wx_lazy=1&wx_co=1" style="width: 50%; margin-bottom: 20px;"></p><span style="color: black;">世界上<span style="color: black;">仅有</span>一种病，那<span style="color: black;">便是</span>穷病。</span><strong style="color: blue;"><span style="color: black;">1、</span></strong><span style="color: black;"><span style="color: black;">近期</span>，一支叫</span><span style="color: black;">“奕凯达”的<span style="color: black;">药物</span>上了热搜。</span><span style="color: black;">2019年6月，上海的陈阿姨被确诊弥漫性B大细胞瘤，经过治疗后又复发，一度绝望，基本<span style="color: black;">便是</span>“回家等死”的状态。</span><span style="color: black;">在今年8月2日，<span style="color: black;">大夫</span>们将这奕凯达注入了陈阿姨<span style="color: black;">身体</span>。</span><span style="color: black;">2个月不到，癌细胞竟奇迹般的清零了！</span><span style="color: black;"><strong style="color: blue;"><span style="color: black;">只是打一针，就能清除癌细胞，副<span style="color: black;">功效</span>还小，毫<span style="color: black;">没</span>疑问，这<span style="color: black;">便是</span>“神药”，这<span style="color: black;">便是</span>“仙丹”。</span></strong></span><strong style="color: blue;"><span style="color: black;">2、</span></strong><span style="color: black;">上热搜的<span style="color: black;">原由</span>，不仅是<span style="color: black;">由于</span>它很神，还<span style="color: black;">由于</span>它很贵。</span>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><img src="https://mmbiz.qpic.cn/mmbiz_png/Xt5EuC0p8rdc9cDunUGbxz4hM2CKGfjq5GibwFgmUXG0D9peldXnJNVQhHj19OKcF4s7u1d5l6pzfEexuJRC7ibg/640?wx_fmt=png&tp=webp&wxfrom=5&wx_lazy=1&wx_co=1" style="width: 50%; margin-bottom: 20px;"></p><span style="color: black;">一袋68ml</span><span style="color: black;">，<span style="color: black;">亦</span><span style="color: black;">便是</span><span style="color: black;">刚才</span>把农夫山泉瓶底填满的量，就要卖</span><span style="color: black;">120</span><span style="color: black;">万，加上<span style="color: black;">有些</span>其他的治疗费，<span style="color: black;">便是</span></span><span style="color: black;">200</span><span style="color: black;">万</span><span style="color: black;">+！</span><span style="color: black;">华强看了，<span style="color: black;">皆想</span>砍人。</span>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><img src="https://mmbiz.qpic.cn/mmbiz_png/Xt5EuC0p8rdc9cDunUGbxz4hM2CKGfjqMbWJdsSm3sxDtdtNyQx5wc7QYNM0I3CaY1VMiaQicUkfhf6WnUrAwE2A/640?wx_fmt=png&tp=webp&wxfrom=5&wx_lazy=1&wx_co=1" style="width: 50%; margin-bottom: 20px;"></p><span style="color: black;">当然，同等体积的金子<span style="color: black;">亦</span>远比这个便宜的多。</span><span style="color: black;">凭什么卖得这么贵？</span><span style="color: black;">可能<span style="color: black;">有些</span>网友要痛批了：</span><strong style="color: blue;"><span style="color: black;">“</span><span style="color: black;">以人命为要挟！</span></strong><strong style="color: blue;"><span style="color: black;">赚黑心钱！</span></strong><strong style="color: blue;"><span style="color: black;"><span style="color: black;">没</span>良奸商！</span></strong><strong style="color: blue;"><span style="color: black;">吃人肉不吐骨头的资本家！</span><span style="color: black;">”</span></strong><span style="color: black;">对此，复星国际董事长郭广昌<span style="color: black;">发帖</span><span style="color: black;">回复</span>：</span><strong style="color: blue;"><span style="color: black;">“</span></strong><strong style="color: blue;"><span style="color: black;"><span style="color: black;">公司</span><span style="color: black;">开发</span>成本非常高，仅去年就花了40亿人民币，阿基仑赛注射液的原引进药Yescarta，上市之初的售价为37.7万美元，折合人民币近240万。</span></strong><strong style="color: blue;"><span style="color: black;"><span style="color: black;">因此</span>，定价很<span style="color: black;">恰当</span>。</span></strong><strong style="color: blue;"><span style="color: black;">”</span></strong><span style="color: black;">确实，换位思考，<span style="color: black;">倘若</span>你是花了40亿的药品<span style="color: black;">开发</span>商，会以几万、几千<span style="color: black;">乃至</span>几百块钱的价格出售新药吗？</span><span style="color: black;"><strong style="color: blue;"><span style="color: black;">卖的太便宜，你就<span style="color: black;">无</span>利润，<span style="color: black;">无</span>了利润，你还有动力去<span style="color: black;">开发</span>新药，<span style="color: black;">解决</span><span style="color: black;">疾患</span>吗？</span></strong></span><strong style="color: blue;"><span style="color: black;">3、</span></strong><span style="color: black;"><span style="color: black;">按照</span>我国的专利法，发明专利享有20年的专利<span style="color: black;">守护</span>期，之后</span><span style="color: black;">才可能<span style="color: black;">显现</span>便宜的仿制药。</span><span style="color: black;"><span style="color: black;">亦</span><span style="color: black;">便是</span>说：普通人想用这种神药，可能要到20年后。</span><span style="color: black;"><strong style="color: blue;"><span style="color: black;">当然，<span style="color: black;">倘若</span>社保能纳入报销范围，那可能快一点。</span></strong></span><span style="color: black;">但那<span style="color: black;">亦</span>只可能是5-10年<span style="color: black;">乃至</span>更久的事情了，毕竟这药真得太贵了！报销一个人的<span style="color: black;">花费</span>，就要牺牲几百个人的<span style="color: black;">花费</span>！</span><strong style="color: blue;"><span style="color: black;">社保暂时没<span style="color: black;">期盼</span>了，<span style="color: black;">商场</span>保险<span style="color: black;">能够</span>吗？</span></strong><span style="color: black;"><span style="color: black;">能够</span>。</span><span style="color: black;"><strong style="color: blue;"><span style="color: black;"><span style="color: black;">首要</span>是重疾险。</span></strong></span><span style="color: black;"><span style="color: black;">针对</span>癌症，重疾险是确诊即赔的，</span><span style="color: black;">买</span><span style="color: black;">50万保额就赔付50万，你想拿去干嘛就干嘛。</span><span style="color: black;"><span style="color: black;">然则</span>呢，50万保额<span style="color: black;">显著</span>不太够用，</span><span style="color: black;">毕竟前前后后要200万。</span><span style="color: black;"><strong style="color: blue;"><span style="color: black;"><span style="color: black;">因此</span>你要再<span style="color: black;">弥补</span>一份百万医疗险。</span></strong></span><span style="color: black;"><span style="color: black;">例如</span>复星联合的超越保2020，其特效<span style="color: black;">药物</span><span style="color: black;">名单</span>的第87项<span style="color: black;">药物</span><span style="color: black;">便是</span>“<span style="color: black;">奕凯达</span>”。</span>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><img src="https://mmbiz.qpic.cn/mmbiz_png/Xt5EuC0p8rdc9cDunUGbxz4hM2CKGfjqcUHgmkh2aCK7U0S8FaKfCl5qhe9cMibJGoicpGqQHhZ5kXBHp4Gszgeg/640?wx_fmt=png&tp=webp&wxfrom=5&wx_lazy=1&wx_co=1" style="width: 50%; margin-bottom: 20px;"></p><span style="color: black;">这款百万医疗险，每年有400万的保险额度，够用了。</span><span style="color: black;"><span style="color: black;">况且</span>，拿药很方便。</span><span style="color: black;">毕竟复星凯特和复星联合健康保险<span style="color: black;">机构</span>，都属于复星医药集团，一家人。</span><span style="color: black;">其次，再<span style="color: black;">便是</span><span style="color: black;">安全</span>e生保<span style="color: black;">长时间</span>医疗的特效药<span style="color: black;">名单</span><span style="color: black;">（</span><span style="color: black;"><span style="color: black;">必须</span>附加）</span>第19项。</span>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><img src="https://mmbiz.qpic.cn/mmbiz_png/Xt5EuC0p8rdc9cDunUGbxz4hM2CKGfjq1t0hK0CJe49ibRc4BRv8ryH4XibupppuSAQAMkhA3QDIhKbXSqmXRDZQ/640?wx_fmt=png&tp=webp&wxfrom=5&wx_lazy=1&wx_co=1" style="width: 50%; margin-bottom: 20px;"></p><span style="color: black;"><span style="color: black;">不外</span>看着像新附加的，字体不太<span style="color: black;">同样</span>。</span><span style="color: black;"><strong style="color: blue;"><span style="color: black;"><span style="color: black;">亦</span>说明了大<span style="color: black;">都数</span>百万医疗险，都会<span style="color: black;">即时</span>更新特效<span style="color: black;">药物</span><span style="color: black;">名单</span>。</span></strong></span><span style="color: black;"><span style="color: black;"><span style="color: black;">倘若</span>你买了尊享e生2020，好<span style="color: black;">医疗保险</span><span style="color: black;">长时间</span>医疗险什么的，<span style="color: black;">亦</span><span style="color: black;">不必</span>去换，说不定过阵子就添加了这款<span style="color: black;">药物</span>。</span></span><strong style="color: blue;"><span style="color: black;">4、</span></strong><span style="color: black;"><span style="color: black;"><span style="color: black;">在去年，我写过70万一针的诺生那生钠注射液，这是用来治疗儿童罕见病<span style="color: black;">脊髓性肌萎缩症的神药</span>。</span></span></span><span style="color: black;"><span style="color: black;"><span style="color: black;">今年又曝出了个120万一针的奕凯达。</span></span></span><span style="color: black;">随着时代和医学进步，<span style="color: black;">咱们</span>有充分的理由相信：</span><strong style="color: blue;"><span style="color: black;">绝大<span style="color: black;">都数</span><span style="color: black;">疾患</span>，<span style="color: black;">包含</span>癌症、<span style="color: black;">包含</span>艾滋病都<span style="color: black;">能够</span>被人类<span style="color: black;">解决</span>。</span></strong><span style="color: black;"><span style="color: black;"><span style="color: black;"><span style="color: black;">然则</span>呢，你有钱治吗？</span></span></span><span style="color: black;"><span style="color: black;"><span style="color: black;">《我不是药神》说的没错：</span></span></span><span style="color: black;"><span style="color: black;"><span style="color: black;">世界上<span style="color: black;">仅有</span>一种病，那<span style="color: black;">便是</span>穷病。</span></span></span><span style="color: black;"><span style="color: black;">而能治“穷病”的，<span style="color: black;">仅有</span><span style="color: black;">咱们</span>国家的<span style="color: black;">一起</span>富裕！</span></span>
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