一针120万能治疗所有癌症吗？首例被CAR-T疗法治愈的白血病女子，癌细胞已然消失10年
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><img src="data:image/svg+xml,%3C%3Fxml version=1.0 encoding=UTF-8%3F%3E%3Csvg width=1px height=1px viewBox=0 0 1 1 version=1.1 xmlns=http://www.w3.org/2000/svg xmlns:xlink=http://www.w3.org/1999/xlink%3E%3Ctitle%3E%3C/title%3E%3Cg stroke=none stroke-width=1 fill=none fill-rule=evenodd fill-opacity=0%3E%3Cg transform=translate(-249.000000, -126.000000) fill=%23FFFFFF%3E%3Crect x=249 y=126 width=1 height=1%3E%3C/rect%3E%3C/g%3E%3C/g%3E%3C/svg%3E" style="width: 50%; margin-bottom: 20px;"></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><img src="data:image/svg+xml,%3C%3Fxml version=1.0 encoding=UTF-8%3F%3E%3Csvg width=1px height=1px viewBox=0 0 1 1 version=1.1 xmlns=http://www.w3.org/2000/svg xmlns:xlink=http://www.w3.org/1999/xlink%3E%3Ctitle%3E%3C/title%3E%3Cg stroke=none stroke-width=1 fill=none fill-rule=evenodd fill-opacity=0%3E%3Cg transform=translate(-249.000000, -126.000000) fill=%23FFFFFF%3E%3Crect x=249 y=126 width=1 height=1%3E%3C/rect%3E%3C/g%3E%3C/g%3E%3C/svg%3E" style="width: 50%; margin-bottom: 20px;"></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;"><span style="color: black;">近期</span>一款抗癌“神药”刷爆了<span style="color: black;">伴侣</span>圈，这<span style="color: black;">便是</span>CAR-T细胞治疗技术，<span style="color: black;">为何</span>这么多人关注，<span style="color: black;">重点</span>有两个<span style="color: black;">原由</span>：</span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">①</span><span style="color: black;"><strong style="color: blue;"><span style="color: black;">治疗癌症疗效真的好</span></strong></span><span style="color: black;"><strong style="color: blue;">：</strong></span><span style="color: black;">国内多家医院传来了<span style="color: black;">经过</span>CAR-T技术治疗，癌细胞清零出院病例的<span style="color: black;">信息</span>。</span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">②<strong style="color: blue;">价格真的贵：</strong></span><span style="color: black;"><span style="color: black;">截止</span>2022年1月，国内仅有2款CAR-T细胞<span style="color: black;">药品</span><span style="color: black;">获准</span>上市，定价分别为120万和129万人民币。社保还<span style="color: black;">不可</span>报销，一针一套房，一针一条命，癌症不可怕，可怕的是没钱治！</span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><img src="data:image/svg+xml,%3C%3Fxml version=1.0 encoding=UTF-8%3F%3E%3Csvg width=1px height=1px viewBox=0 0 1 1 version=1.1 xmlns=http://www.w3.org/2000/svg xmlns:xlink=http://www.w3.org/1999/xlink%3E%3Ctitle%3E%3C/title%3E%3Cg stroke=none stroke-width=1 fill=none fill-rule=evenodd fill-opacity=0%3E%3Cg transform=translate(-249.000000, -126.000000) fill=%23FFFFFF%3E%3Crect x=249 y=126 width=1 height=1%3E%3C/rect%3E%3C/g%3E%3C/g%3E%3C/svg%3E" style="width: 50%; margin-bottom: 20px;"></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;"><span style="color: black;"><span style="color: black;">日前</span>，<span style="color: black;">全世界</span>共有7款CAR-T细胞<span style="color: black;">药品</span><span style="color: black;">获准</span>上市，<span style="color: black;">获准</span>的适应</span>症<span style="color: black;"><span style="color: black;">亦</span>都局限在急性淋巴细胞白血病、多发性骨髓瘤、霍奇金淋巴瘤等血液肿瘤<span style="color: black;">行业</span>，这些疗法在中国，<span style="color: black;">无</span>一个是<span style="color: black;">小于</span>百万的。</span></span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">按这个价格，说是“天价药”，一点<span style="color: black;">亦</span><span style="color: black;">不外</span>分。</span><span style="color: black;">120万一针！</span><span style="color: black;"><span style="color: black;">非常多</span>人感叹“贫穷限制了我的想象！</span><span style="color: black;">”“世界上真有一种病叫穷病！</span><span style="color: black;">”</span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">上海一位阿姨，患淋巴癌，接受了一种最新抗癌<span style="color: black;">药品</span>治疗，120万一针，社保还<span style="color: black;">不可</span>报销，两个月后癌细胞清零出院，她<span style="color: black;">亦</span><span style="color: black;">作为</span>国内首位<span style="color: black;">接受了CAR-T治疗后被<span style="color: black;">评定</span>症状完全缓解的<span style="color: black;">病人</span>。</span></span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">据<span style="color: black;">媒介</span><span style="color: black;">报告</span>，这位阿姨花了远远不止120万，<span style="color: black;">由于</span>除了CAR-T治疗的那一针（阿基仑赛注射液），还有其他配套治疗<span style="color: black;">花费</span>，总价格接近200万了。</span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><img src="data:image/svg+xml,%3C%3Fxml version=1.0 encoding=UTF-8%3F%3E%3Csvg width=1px height=1px viewBox=0 0 1 1 version=1.1 xmlns=http://www.w3.org/2000/svg xmlns:xlink=http://www.w3.org/1999/xlink%3E%3Ctitle%3E%3C/title%3E%3Cg stroke=none stroke-width=1 fill=none fill-rule=evenodd fill-opacity=0%3E%3Cg transform=translate(-249.000000, -126.000000) fill=%23FFFFFF%3E%3Crect x=249 y=126 width=1 height=1%3E%3C/rect%3E%3C/g%3E%3C/g%3E%3C/svg%3E" style="width: 50%; margin-bottom: 20px;"></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">120万一针，两个月癌细胞清零！癌症不可怕，可怕的是没钱治！<span style="color: black;">将来</span>长寿真的只是个技术问题。钱买不来生命，但<span style="color: black;">能够</span>延长生命，<span style="color: black;">倘若</span><span style="color: black;">无</span>钱，你连<span style="color: black;">保卫</span>生命、<span style="color: black;">守护</span>家人的能力都<span style="color: black;">无</span>，在生命面前，金钱<span style="color: black;">显出</span>太刺眼了！</span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">其实CAR-T疗法早在2012年就<span style="color: black;">面世</span>了，只<span style="color: black;">不外</span>这几年才在中国<span style="color: black;">开发</span>成功，直到今年，中国才上市了两款CAR-T<span style="color: black;">制品</span>，分别叫“阿基仑赛注射液”和“瑞基奥仑赛注射液”。</span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">世界上<span style="color: black;">第1</span>位接受CAR-T疗法的是一位当时仅仅<span style="color: black;">仅有</span>6岁的白血病<span style="color: black;">女子</span>Emily，并且取得了<span style="color: black;">极重</span>的成功。</span></p><span style="color: black;">2012年，6岁的美国小<span style="color: black;">女子</span>Emily在急性淋巴性白血病两次复发后，<span style="color: black;">已然</span><span style="color: black;">没</span>力回天，濒临死亡。宾夕法尼亚大学的<span style="color: black;">专家</span>征求家人同意后，采用了当时未<span style="color: black;">获准</span>准的CAR-T疗法。</span><span style="color: black;">两周之后，Emily<span style="color: black;">身体</span>的癌细胞完全消失。直到<span style="color: black;">此刻</span>，癌症<span style="color: black;">亦</span>没复发。<span style="color: black;">痊愈</span>后，她每年都会拿着<span style="color: black;">一起</span>“cancer free”的牌子纪念这个奇迹。</span>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><img src="data:image/svg+xml,%3C%3Fxml version=1.0 encoding=UTF-8%3F%3E%3Csvg width=1px height=1px viewBox=0 0 1 1 version=1.1 xmlns=http://www.w3.org/2000/svg xmlns:xlink=http://www.w3.org/1999/xlink%3E%3Ctitle%3E%3C/title%3E%3Cg stroke=none stroke-width=1 fill=none fill-rule=evenodd fill-opacity=0%3E%3Cg transform=translate(-249.000000, -126.000000) fill=%23FFFFFF%3E%3Crect x=249 y=126 width=1 height=1%3E%3C/rect%3E%3C/g%3E%3C/g%3E%3C/svg%3E" style="width: 50%; margin-bottom: 20px;"></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">几个月前，2021年5月10日，艾米莉·怀特海德（Emily Whitehead）迎来了她<span style="color: black;">没</span>癌<span style="color: black;">存活</span>9年的纪念日。和过去8年<span style="color: black;">同样</span>，她在社交平台上晒出了照片，站在阳光下，举着牌子，宣告自己又<span style="color: black;">安全</span>走过了一个年头。</span></p><img src="data:image/svg+xml,%3C%3Fxml version=1.0 encoding=UTF-8%3F%3E%3Csvg width=1px height=1px viewBox=0 0 1 1 version=1.1 xmlns=http://www.w3.org/2000/svg xmlns:xlink=http://www.w3.org/1999/xlink%3E%3Ctitle%3E%3C/title%3E%3Cg stroke=none stroke-width=1 fill=none fill-rule=evenodd fill-opacity=0%3E%3Cg transform=translate(-249.000000, -126.000000) fill=%23FFFFFF%3E%3Crect x=249 y=126 width=1 height=1%3E%3C/rect%3E%3C/g%3E%3C/g%3E%3C/svg%3E" style="width: 50%; margin-bottom: 20px;">
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">Emily可能是全世界上最有名的癌症<span style="color: black;">病人</span>，连奥巴马都专门接见过。<span style="color: black;">出现</span>这一切的<span style="color: black;">原由</span>在于，她是<span style="color: black;">第1</span>位接受了“CAR-T细胞免疫疗法”的儿童，并且成功地“治愈”了<span style="color: black;">自己</span>的白血病。迄今为止，Emily已被成功治愈10年，她<span style="color: black;">亦</span><span style="color: black;">作为</span>这一史诗级疗法（CAR-T）的代言人。</span></p><span style="color: black;">这种药凭啥这么贵</span><span style="color: black;">120万一针的抗癌药，到底贵不贵，值不值？</span>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">它之<span style="color: black;">因此</span>这么贵，<span style="color: black;">重点</span>是<span style="color: black;">由于</span>这压根就不是一种药，而是一种细胞疗法，<span style="color: black;">况且</span>是个人定制的细胞疗法。<span style="color: black;">亦</span><span style="color: black;">便是</span>说，<span style="color: black;">每一个</span>人的注射液都是不<span style="color: black;">同样</span>的，得一个一个地生产。</span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><img src="data:image/svg+xml,%3C%3Fxml version=1.0 encoding=UTF-8%3F%3E%3Csvg width=1px height=1px viewBox=0 0 1 1 version=1.1 xmlns=http://www.w3.org/2000/svg xmlns:xlink=http://www.w3.org/1999/xlink%3E%3Ctitle%3E%3C/title%3E%3Cg stroke=none stroke-width=1 fill=none fill-rule=evenodd fill-opacity=0%3E%3Cg transform=translate(-249.000000, -126.000000) fill=%23FFFFFF%3E%3Crect x=249 y=126 width=1 height=1%3E%3C/rect%3E%3C/g%3E%3C/g%3E%3C/svg%3E" style="width: 50%; margin-bottom: 20px;"></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">CAR-T治疗，简单<span style="color: black;">来讲</span>分为五步：</span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">1. 从癌症病人身上分离普通的免疫T细胞。</span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">2. 利用基因工程技术对T细胞进行改造，让它能更好地识别并且攻击肿瘤的CAR-T免疫细胞。</span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">3. 在实验室<span style="color: black;">海量</span>扩增CAR-T细胞，一个病人可能<span style="color: black;">必须</span>几亿、几十亿，<span style="color: black;">乃至</span>上百亿个CAR-T细胞。</span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">4. 把扩增好的CAR-T细胞输回病人<span style="color: black;">身体</span>。</span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">5. 严密监护病人的副<span style="color: black;">功效</span>，收工。</span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;"><span style="color: black;">日前</span>，<span style="color: black;">因为</span><span style="color: black;">每一个</span><span style="color: black;">病人</span>的CAR-T细胞都得单独生产，<span style="color: black;">因此</span>成本很高。加上前期<span style="color: black;">开发</span><span style="color: black;">花费</span>，美国上市后，定价都在200万人民币以上。即使搬到中国，一次的成本<span style="color: black;">亦</span>要好几十万，<span style="color: black;">因此呢</span>卖120万<span style="color: black;">亦</span>不算意外。</span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">虽然120万的价格高得足够买一套三线城市的房子，但业内人员却<span style="color: black;">暗示</span>：这定价还算有良心，相比美37.3万美元（242万人民币）、日本30.5万美元（198万人民币）可便宜太多了。</span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;"><span style="color: black;">咱们</span>来比较一下国外几款CAR-T疗法的价格，你就<span style="color: black;">晓得</span>120万一针算是最便宜的了。</span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><strong style="color: blue;"><span style="color: black;">1、阿基仑赛注射液：120万元</span></strong></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">阿基仑赛注射液<span style="color: black;">重点</span>适用于二线或以上系统性治疗后复发、难治性大B细胞淋巴瘤成人<span style="color: black;">病人</span>。该药于2021年6月22日在我国<span style="color: black;">获准</span>上市。</span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><strong style="color: blue;"><span style="color: black;">2、Kymriah：47.5万美元</span></strong></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">Kymriah于2017年8月30日经FDA<span style="color: black;">获准</span>上市，<span style="color: black;">重点</span>用于青少年、儿童<span style="color: black;">病人</span>，<span style="color: black;">针对</span>复发性、难治性以及青少年B细胞急性淋巴性白血病等有较好的效果。</span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><strong style="color: blue;"><span style="color: black;">3、Yescarta：37.3万美元</span></strong></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">Yescarta在2017年10月18日<span style="color: black;">获准</span>上市，<span style="color: black;">针对</span>复发性、难治型的特定类型成人大B细胞淋巴瘤，这是<span style="color: black;">第1</span>款<span style="color: black;">重点</span>针对非霍奇金淋巴瘤的CAR-T<span style="color: black;">药品</span>。</span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><strong style="color: blue;"><span style="color: black;">4、Tecartus：37.3万美元</span></strong></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">Tecartus在2020年7月<span style="color: black;">获准</span>上市，<span style="color: black;">重点</span>用于复发、难治性套细胞淋巴瘤<span style="color: black;">病人</span>，这是首个<span style="color: black;">获准</span>针对套细胞淋巴瘤的CAR-T疗法。</span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><strong style="color: blue;"><span style="color: black;">5、Breyanzi：41.03万美元</span></strong></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">Breyanzi在2021年2月<span style="color: black;">获准</span>上市，用于治疗<span style="color: black;">最少</span>2种其他全身疗法后<span style="color: black;">没</span>应答或是治疗后复发的部分大B细胞淋巴瘤成人<span style="color: black;">病人</span>。</span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><strong style="color: blue;"><span style="color: black;">6、Abecma：41.95万美元</span></strong></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">Abecma在2021年3月<span style="color: black;">获准</span>上市，用于治疗经过4种或<span style="color: black;">更加多</span>种先进疗法的复发、难治型多发性骨髓瘤<span style="color: black;">病人</span>，这是首个FDA<span style="color: black;">获准</span>上市的靶向BCMA的CAR-T疗法。</span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">由此可见，<span style="color: black;">针对</span>CAR-T细胞疗法，<span style="color: black;">昂贵</span>的成本和定价似乎是一种必然。然而，面对百万定价，一旦<span style="color: black;">作为</span>“烧钱”式治疗，有多少<span style="color: black;">病人</span>能够用得起这款药，却是令人揪心的问题。</span></p><span style="color: black;">这种疗法能治愈所有癌症吗</span><strong style="color: blue;"><span style="color: black;">世界上就<span style="color: black;">无</span>包治百病的药，<span style="color: black;">针对</span>癌症<span style="color: black;">亦</span><span style="color: black;">同样</span>！</span></strong><span style="color: black;">国内多位肿瘤专家强调，CAR-T细胞治疗并非万能肿瘤药。<span style="color: black;">日前</span>该疗法<span style="color: black;">重点</span>治疗血液系统的肿瘤。</span>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">“<span style="color: black;">例如</span>白血病、淋巴瘤、多发性骨髓瘤的治疗效果比较好，<span style="color: black;">针对</span>其他癌症的效果还不太确定。”</span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><img src="data:image/svg+xml,%3C%3Fxml version=1.0 encoding=UTF-8%3F%3E%3Csvg width=1px height=1px viewBox=0 0 1 1 version=1.1 xmlns=http://www.w3.org/2000/svg xmlns:xlink=http://www.w3.org/1999/xlink%3E%3Ctitle%3E%3C/title%3E%3Cg stroke=none stroke-width=1 fill=none fill-rule=evenodd fill-opacity=0%3E%3Cg transform=translate(-249.000000, -126.000000) fill=%23FFFFFF%3E%3Crect x=249 y=126 width=1 height=1%3E%3C/rect%3E%3C/g%3E%3C/g%3E%3C/svg%3E" style="width: 50%; margin-bottom: 20px;"></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">另据健康时报<span style="color: black;">报告</span>，刘耀<span style="color: black;">专家</span>还指出，CAR-T疗法<span style="color: black;">日前</span>在国内<span style="color: black;">获准</span>的适应症仅有复发性弥漫大B细胞淋巴瘤，并且不<span style="color: black;">举荐</span>初次诊断的淋巴瘤<span style="color: black;">病人</span>采用。针对白血病等其他血液系统<span style="color: black;">疾患</span>的临床<span style="color: black;">实验</span>正在广泛开展，<span style="color: black;">将来</span>将使<span style="color: black;">更加多</span>血液肿瘤<span style="color: black;">病人</span>获益。</p><span style="color: black;">120万一针 保险能报销吗</span><span style="color: black;">120万的针我打不起，120保额的保险我买得起啊！！</span><span style="color: black;">先<span style="color: black;">来讲</span>说<span style="color: black;">医疗保险</span>，很遗憾的是<span style="color: black;">日前</span>CAR-T<span style="color: black;">关联</span><span style="color: black;">制品</span>还<span style="color: black;">无</span>被纳入<span style="color: black;">医疗保险</span>的报销范围，但值得<span style="color: black;">幸运</span>的是<span style="color: black;">咱们</span>还<span style="color: black;">能够</span><span style="color: black;">经过</span><span style="color: black;">商场</span>保险来<span style="color: black;">处理</span>这笔开支。</span>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">重疾险：</span><span style="color: black;">重疾险是定额给付制，只要患上保险合同中约定的<span style="color: black;">疾患</span>并达到标准，就直接给一笔钱，想怎么花就怎么花。</span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;"><span style="color: black;">亦</span><span style="color: black;">便是</span>说，拿着重疾险获赔的钱，你想怎么治就怎么治，想用什么药就用什么药，而这120万一针的药费，<span style="color: black;">亦</span>妥妥的<span style="color: black;">能够</span><span style="color: black;">包袱</span>。</span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;"><span style="color: black;">此时</span>候就<span style="color: black;">触及</span>到重疾险最<span style="color: black;">重要</span>的问题——保额。就像上面<span style="color: black;">说到</span>打这个针上海的那位阿姨，<span style="color: black;">必须</span>用120万一针的药，<span style="color: black;">倘若</span>只买了50万重疾保额，那肯定是远远<span style="color: black;">不足</span>的。</span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;"><span style="color: black;">因此</span>，买重疾险，一定要优先买足保额，并且<span style="color: black;">由于</span>有通胀的<span style="color: black;">原因</span>在，还要适时<span style="color: black;">弥补</span>保额。</span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">医疗险：</span><span style="color: black;"><span style="color: black;">日前</span>市面上不少中高端医疗险<span style="color: black;">制品</span>都将CAR-T细胞免疫疗法的<span style="color: black;">关联</span><span style="color: black;">药物</span><span style="color: black;">加入</span>了<span style="color: black;">保证</span>范围，<span style="color: black;">能够</span>报销<span style="color: black;">非常多</span>昂贵的自费药和进口药，报销额度能达到上百万，<span style="color: black;">亦</span><span style="color: black;">能够</span>让<span style="color: black;">咱们</span>人人都用得起天价药。</span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;"><span style="color: black;">不外</span>，并不是所有的百万医疗险都能报销CAT-T<span style="color: black;">药品</span>，在挑选医疗险<span style="color: black;">制品</span>过程中，核心还是要关注<span style="color: black;">是不是</span><span style="color: black;">包括</span>特药责任以及特药<span style="color: black;">名单</span>的<span style="color: black;">详细</span>细节，<span style="color: black;">另一</span><span style="color: black;">亦</span><span style="color: black;">能够</span>看合同条款中<span style="color: black;">是不是</span><span style="color: black;">知道</span>了肿瘤免疫疗法<span style="color: black;">关联</span><span style="color: black;">花费</span>的报销。<span style="color: black;">仅有</span>含有院外药责任，并且要用的药，在它的限定<span style="color: black;">药物</span><span style="color: black;">名单</span>里，<span style="color: black;">才可</span>报销。</span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><img src="data:image/svg+xml,%3C%3Fxml version=1.0 encoding=UTF-8%3F%3E%3Csvg width=1px height=1px viewBox=0 0 1 1 version=1.1 xmlns=http://www.w3.org/2000/svg xmlns:xlink=http://www.w3.org/1999/xlink%3E%3Ctitle%3E%3C/title%3E%3Cg stroke=none stroke-width=1 fill=none fill-rule=evenodd fill-opacity=0%3E%3Cg transform=translate(-249.000000, -126.000000) fill=%23FFFFFF%3E%3Crect x=249 y=126 width=1 height=1%3E%3C/rect%3E%3C/g%3E%3C/g%3E%3C/svg%3E" style="width: 50%; margin-bottom: 20px;"></p><span style="color: black;">买保险，<span style="color: black;">首要</span>是争取存活的机会，其次是减少给家庭带来的经济损失，<span style="color: black;">因此</span>说即便死亡，之后的保险赔付对家庭<span style="color: black;">亦</span>是至关<span style="color: black;">要紧</span>的！<span style="color: black;">由于</span>很可能为了治病而债务累累；<span style="color: black;">由于</span>很可能<span style="color: black;">逝去</span>之后，家人要继续还房贷、车贷；<span style="color: black;">由于</span>很可能<span style="color: black;">由于</span>家庭支柱的丧失，经济收入急转直下；<span style="color: black;">由于</span>逝者已逝，而生者万事艰难...</span><span style="color: black;"><span style="color: black;">倘若</span>你<span style="color: black;">无</span>100万，我劝你早点给自己和家人准备好保险，<span style="color: black;">由于</span>保险<span style="color: black;">便是</span>以小博大的金融<span style="color: black;">工具</span>，有了保险你才有对抗<span style="color: black;">各样</span><span style="color: black;">疾患</span>的本钱，有本钱你才有和命运抗争的勇气，你才有<span style="color: black;">守护</span>家人的权利。</span>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><img src="data:image/svg+xml,%3C%3Fxml version=1.0 encoding=UTF-8%3F%3E%3Csvg width=1px height=1px viewBox=0 0 1 1 version=1.1 xmlns=http://www.w3.org/2000/svg xmlns:xlink=http://www.w3.org/1999/xlink%3E%3Ctitle%3E%3C/title%3E%3Cg stroke=none stroke-width=1 fill=none fill-rule=evenodd fill-opacity=0%3E%3Cg transform=translate(-249.000000, -126.000000) fill=%23FFFFFF%3E%3Crect x=249 y=126 width=1 height=1%3E%3C/rect%3E%3C/g%3E%3C/g%3E%3C/svg%3E" style="width: 50%; margin-bottom: 20px;"><span style="color: black;"><span style="color: black;">源自</span>：</span><span style="color: black;">网络。</span><span style="color: black;">交流学习用，若侵权请联系删除！<span style="color: black;">微X</span>：wckt01 </span><span style="color: black;">若<span style="color: black;">爱好</span>就点亮在看呀</span><span style="color: black;"><strong style="color: blue;"><span style="color: black;"> <img src="data:image/svg+xml,%3C%3Fxml version=1.0 encoding=UTF-8%3F%3E%3Csvg width=1px height=1px viewBox=0 0 1 1 version=1.1 xmlns=http://www.w3.org/2000/svg xmlns:xlink=http://www.w3.org/1999/xlink%3E%3Ctitle%3E%3C/title%3E%3Cg stroke=none stroke-width=1 fill=none fill-rule=evenodd fill-opacity=0%3E%3Cg transform=translate(-249.000000, -126.000000) fill=%23FFFFFF%3E%3Crect x=249 y=126 width=1 height=1%3E%3C/rect%3E%3C/g%3E%3C/g%3E%3C/svg%3E" style="width: 50%; margin-bottom: 20px;"></span></strong></span></p>
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