癌症治疗到底要多少钱
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">癌症治疗不会<span style="color: black;">那样</span><span style="color: black;">奥秘</span>——<span style="color: black;">一块</span>打开它世界</p>
<div style="color: black; text-align: left; margin-bottom: 10px;"><img src="https://pic1.zhimg.com/80/v2-336d98aa607e684d5f5da262aeec2418_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;">谈“癌”色变</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">上一期我总结了2019年重疾险年度报告，收到很不少客人对我的追问和恐慌，说癌症<span style="color: black;">生病</span>率真的<span style="color: black;">那样</span>可怕吗？74%以上的人都会得癌症？</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">哈，数据指的是万一得重疾74%以上都是癌症，并不是所有的人得癌症概率<span style="color: black;">那样</span>高。这并不<span style="color: black;">必须</span>恐慌得。这一期，我<span style="color: black;">重点</span>小篇幅跟<span style="color: black;">大众</span>科普一下癌症：</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">No.1</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">癌症的前世今生</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">平常听到客户说起癌症<span style="color: black;">关联</span>的术语：恶性肿瘤。以为这两者是同一概念，<span style="color: black;">咱们</span>用一张图来区分这四个概念：</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">癌症并不是等于肿瘤，原位癌<span style="color: black;">亦</span>并不是良性肿瘤。</p>
<div style="color: black; text-align: left; margin-bottom: 10px;"><img src="https://pic2.zhimg.com/80/v2-12cccf4f6e5d60b90c6f2caac050786d_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;">其实随着医学的发展，检验技术的<span style="color: black;">持续</span><span style="color: black;">加强</span>，病症会在<span style="color: black;">初期</span>就<span style="color: black;">已然</span><span style="color: black;">发掘</span>了，极<span style="color: black;">初期</span><span style="color: black;">发掘</span>的癌变被<span style="color: black;">叫作</span>为原位癌，原位癌的治愈率近100%，属于轻症。</p>
<div style="color: black; text-align: left; margin-bottom: 10px;"><img src="https://pic3.zhimg.com/80/v2-4e01871a2f67ac827de20a7a9f7353ee_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;">原位癌:是癌细胞只出<span style="color: black;">此刻</span>上皮层内，就像橘子皮坏了，把皮掰了，里面的果肉还是好的；</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">浸润癌:是里面的橘子果肉<span style="color: black;">亦</span>坏了；</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">转移癌:是筐内其它橘子<span style="color: black;">亦</span>坏了。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">原位癌<span style="color: black;">便是</span>指癌细胞只出<span style="color: black;">此刻</span>上皮层内，而未破坏基底膜，或侵入其下的间质或真皮组织，更<span style="color: black;">无</span><span style="color: black;">出现</span>浸润和远处转移。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">从保险理赔<span style="color: black;">方向</span>：</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">原位癌是癌的最<span style="color: black;">初期</span>，<span style="color: black;">因此</span>原位癌有时<span style="color: black;">亦</span>被<span style="color: black;">叫作</span>为“浸润前癌”或“0期癌”。属于轻症，赔保额30%-40%；</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">浸润癌<span style="color: black;">亦</span>是俗<span style="color: black;">叫作</span>的癌，赔付100%；</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">转移癌<span style="color: black;">是不是</span>赔付就得看条款约定的，<span style="color: black;">包括</span>这项<span style="color: black;">保证</span>责任的重疾险还是大大的有的。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">No.2</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">什么人容易得癌症</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">1老年人：老人得癌症与<span style="color: black;">青年</span>人相比概率是1：50</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">2乙肝病毒携带者</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">3吸烟者：一个75岁的老人，吸烟者得癌症得概率是16%，不吸烟者是0.3%</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">......</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">那是什么<span style="color: black;">原由</span>影响得癌症的<span style="color: black;">原因</span>呢？</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">一个是宏观<span style="color: black;">原因</span>：A细胞分裂速度*B分裂分生变异的概率*C<span style="color: black;">出现</span>致癌性几率的变异率*D免疫系统功能</p>
<div style="color: black; text-align: left; margin-bottom: 10px;"><img src="https://pic2.zhimg.com/80/v2-3c99fa53ccff64ac4b7ab1932069316d_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;">一个是微观<span style="color: black;">原因</span>：细胞分裂</p>
<div style="color: black; text-align: left; margin-bottom: 10px;"><img src="https://pic3.zhimg.com/80/v2-2cf264e8bcad8f9dae8a5da83549f0ae_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;">由这四个<span style="color: black;">原因</span><span style="color: black;">构成</span>一个公式，R=ABCD,数据统计出来年龄越大（>50岁）得概率几率越大</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">老年人细胞分裂的速度肯定是变慢的，<span style="color: black;">然则</span>分裂分生变异的概率要高，<span style="color: black;">况且</span>这个变异还累积了他生命长度的变异率，<span style="color: black;">因此</span><span style="color: black;">出现</span>致癌性几率的变异率更大了，免疫系统功能减弱<span style="color: black;">亦</span>是肯定的，<span style="color: black;">因此</span>公式里面的变量a减小，b、c<span style="color: black;">明显</span><span style="color: black;">加强</span>，d<span style="color: black;">加强</span>，结果<span style="color: black;">便是</span>R<span style="color: black;">上升</span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">No.3</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">癌症的6种治疗<span style="color: black;">方法</span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">1手术治疗</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">适应性——绝大<span style="color: black;">都数</span>的实体恶性肿瘤；接近一半的癌症病人<span style="color: black;">必须</span>外科手术</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">优点：经济实惠（白菜价），不存在抗药性医疗险报销：癌症治疗的<span style="color: black;">各样</span>手术治疗，在医疗险是不<span style="color: black;">必定</span>完全<span style="color: black;">能够</span>报销的</p>
<div style="color: black; text-align: left; margin-bottom: 10px;"><img src="https://pic1.zhimg.com/80/v2-130087c5892b5759c2abcbfca6ec5718_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;">2放射疗法</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">适应性——绝大<span style="color: black;">都数</span>癌症</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">优点：<span style="color: black;">经过</span>CT,PET CT 核磁准确寻找肿瘤位置及<span style="color: black;">体积</span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">传统型的放射疗法：伤及正常组织，能量递减</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">质子离子属于放射疗法之一，相当于一个穿甲弹会直接攻击<span style="color: black;">目的</span>物，不会对<span style="color: black;">周边</span>的额脏器<span style="color: black;">导致</span><span style="color: black;">损害</span>。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">医疗险报销：<span style="color: black;">通常</span>质子重离子要附加，<span style="color: black;">由于</span>医疗<span style="color: black;">花费</span>相当的昂贵</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">3化疗</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">适应症——绝大<span style="color: black;">都数</span>癌症</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">医疗险报销：附加恶性肿瘤保险金<span style="color: black;">能够</span>报销</p>
<div style="color: black; text-align: left; margin-bottom: 10px;"><img src="https://pic3.zhimg.com/80/v2-24156b4cee8886b4f5e0d140b398532a_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;">4靶向治疗</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">适应症——慢性粒细胞白血病（《我是药神》的格列卫）</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">确定一个<span style="color: black;">病人</span>能否<span style="color: black;">能够</span><span style="color: black;">运用</span>靶向治疗，<span style="color: black;">经过</span>基因检测。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">吸烟<span style="color: black;">引起</span>的肺癌<span style="color: black;">病人</span>基因突变比<span style="color: black;">无</span>吸烟的肺癌<span style="color: black;">病人</span>基因突变的种类更<span style="color: black;">繁杂</span>，治疗手段更有效。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">5免疫治疗</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">功效</span>原理：</p>
<div style="color: black; text-align: left; margin-bottom: 10px;"><img src="https://pic3.zhimg.com/80/v2-41844904020234198b9d9b1bda2341d2_720w.webp" style="width: 50%; margin-bottom: 20px;"></div>
<div style="color: black; text-align: left; margin-bottom: 10px;"><img src="https://pic2.zhimg.com/80/v2-090ac994cf7857654661ac7491dffac5_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;">6癌症疫苗</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">适应性——乙肝和HPV等预防疫苗</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">医疗险报销：<span style="color: black;">通常</span>不<span style="color: black;">包括</span>要附加疫苗险</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">No.4</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">治疗的经济毒性</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">按照</span>美国三分之一的癌症<span style="color: black;">病人</span><span style="color: black;">每一个</span>月花费1万美金</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">药物</span><span style="color: black;">花费</span>还是占最大<span style="color: black;">花费</span>，</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">经济上的<span style="color: black;">劫难</span>性输出<span style="color: black;">没</span>法担负昂贵的<span style="color: black;">药品</span><span style="color: black;">花费</span>，在中国几乎癌症的<span style="color: black;">花费</span>40-50万，除去社保报销以外。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">因此</span>在中国有大部分的<span style="color: black;">病人</span>都是<span style="color: black;">由于</span>经济的不<span style="color: black;">准许</span>而放弃治疗<span style="color: black;">引起</span>死亡。</p>
<div style="color: black; text-align: left; margin-bottom: 10px;"><img src="https://pic1.zhimg.com/80/v2-6487facc43740ed15ef9c62093a7b4e8_720w.webp" style="width: 50%; margin-bottom: 20px;"></div>
<div style="color: black; text-align: left; margin-bottom: 10px;"><img src="https://pic3.zhimg.com/80/v2-478593aaba83ba97cef70c81d1310ef2_720w.webp" style="width: 50%; margin-bottom: 20px;"></div>
<div style="color: black; text-align: left; margin-bottom: 10px;"><img src="https://pic4.zhimg.com/80/v2-e868b3ef77ebf4d461aec595ba2a4db3_720w.webp" style="width: 50%; margin-bottom: 20px;"></div>
<div style="color: black; text-align: left; margin-bottom: 10px;"><img src="https://pic3.zhimg.com/80/v2-1f2b9e627436bab31f68051213301d4e_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;">写到最后消费者在购置<span style="color: black;">商场</span><span style="color: black;">医疗保险</span><span style="color: black;">必定</span>要把恶性肿瘤保险金<span style="color: black;">思虑</span>上，质子离子治疗，市面上的主流<span style="color: black;">制品</span>百万医疗<span style="color: black;">亦</span>是一个不错的<span style="color: black;">选取</span>，一年几百块钱就覆盖几百万的额度。<span style="color: black;">倘若</span>还在经济<span style="color: black;">准许</span>上购置海外重疾医疗险。</p>
<div style="color: black; text-align: left; margin-bottom: 10px;"><img src="https://pic4.zhimg.com/80/v2-cd57e7c9ea075a8598105e77cf70ab73_720w.webp" style="width: 50%; margin-bottom: 20px;"></div>
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