要买便宜的百万医疗，还是性价比高的中端医疗？
<h2 style="color: black; text-align: left; margin-bottom: 10px;">Part 1. <span style="color: black;">患病</span>才<span style="color: black;">晓得</span>好的医疗资源有多难</h2>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">前段时间，和一久未见面的<span style="color: black;">朋友</span><span style="color: black;">一块</span>吃饭。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">菜还没上，就让我给她<span style="color: black;">举荐</span>医疗险。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">原由</span>是她妈妈查出乳腺癌，好<span style="color: black;">不易</span>抢到协和的专家号看病，结果却在一家不知名的医院做的手术，<span style="color: black;">看病</span>体验很<span style="color: black;">欠好</span>，想让我帮忙配置能去特需部看病的医疗险，<span style="color: black;">处理</span><span style="color: black;">看病</span>资源的问题。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">她妈妈的乳腺癌是在今年体<span style="color: black;">检测</span>出来的，<span style="color: black;">思虑</span>到协和的医疗实力比较好，想去协和看病。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">一家人天天下午4点蹲守手机旁抢号。<span style="color: black;">最后</span>，号是抢上了，<span style="color: black;">大夫</span><span style="color: black;">亦</span>见了，确诊乳腺癌<span style="color: black;">没</span>疑。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">然则</span><span style="color: black;">大夫</span>却<span style="color: black;">意见</span>尽快到其他医院手术，为啥呢？当时<span style="color: black;">大夫</span>的原话是：协和的普通病房<span style="color: black;">已然</span>排到2个月以后了，你们这个病情等不起。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">同期</span>，<span style="color: black;">大夫</span>给<span style="color: black;">朋友</span><span style="color: black;">举荐</span>了北京某三级医院，还<span style="color: black;">是由于</span>他主刀，病人不多，<span style="color: black;">能够</span>尽快手术。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">思虑</span>到癌症发展比较快，她们一家接受了<span style="color: black;">大夫</span>的意见，<span style="color: black;">选取</span>到该<span style="color: black;">看病</span>。虽然有些不甘心，<span style="color: black;">然则</span><span style="color: black;">同样</span>是自己信赖的<span style="color: black;">医生</span>，做个手术能有啥大区别？没成想，糟心事儿一件接一件。</p>
<div style="color: black; text-align: left; margin-bottom: 10px;"><img src="https://pic4.zhimg.com/80/v2-0754b6db9a0b05815cf5adf74f4a06ef_720w.webp" style="width: 50%; margin-bottom: 20px;"></div>（图文<span style="color: black;">没</span>关，<span style="color: black;">照片</span><span style="color: black;">源自</span>于网络，侵删）<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">这家医院的前身是北京某区辖老年病医院，虽然由二级医院晋级<span style="color: black;">成为了</span>三级医院，<span style="color: black;">然则</span>医护人员、医院<span style="color: black;">设备</span><span style="color: black;">无</span>大的变化。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">朋友</span>妈妈入住的是医联体病房。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">手术前晚，家属还<span style="color: black;">没</span>法得知<span style="color: black;">麻木</span>方式是全麻还是局麻。一家人对<span style="color: black;">麻木</span>没啥概念，<span style="color: black;">亦</span>不<span style="color: black;">晓得</span>两种<span style="color: black;">麻木</span>方式的区别，<span style="color: black;">病人</span>能<span style="color: black;">不可</span><span style="color: black;">选取</span>？有<span style="color: black;">无</span>适应症？忐忑不安的等到了<span style="color: black;">次日</span>。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">手术当天，又<span style="color: black;">发掘</span>该医院限于场地<span style="color: black;">要求</span>，癌症切除和胃镜<span style="color: black;">检测</span>共用<span style="color: black;">一起</span>儿区域，<span style="color: black;">因此呢</span>手术区外面的家属等候区乱哄哄的，本来就焦躁的心情，<span style="color: black;">更加是</span>一言难尽。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">上面都是细节问题，只要手术效果好，忍忍<span style="color: black;">亦</span>就过去了。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">结果<span style="color: black;">朋友</span>又后知后觉的<span style="color: black;">认识</span>到，除了主刀<span style="color: black;">医生</span>是协和<span style="color: black;">大夫</span>，<span style="color: black;">麻木</span><span style="color: black;">大夫</span>、主刀助手和手术护士<span style="color: black;">所有</span>来自该医院，所有的术前<span style="color: black;">检测</span>和术中<span style="color: black;">检测</span><span style="color: black;">亦</span>均是在该进行。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">而癌症的治疗可<span style="color: black;">不仅</span>是切一刀完事儿。<span style="color: black;">大夫</span>切多少很大程度上要依赖组织病理学结果，切不干净很麻烦。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">更何况，还要<span style="color: black;">触及</span>刀口缝合<span style="color: black;">是不是</span>美观、术后抗感染治疗等等。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">她说，她<span style="color: black;">尤其</span>担心病理质量和手术质量，和预期的协和水平感觉差距太远了。<span style="color: black;">然则</span>协和没床位啊。<span style="color: black;">朋友</span>后期<span style="color: black;">认识</span>到协和除了普通部，还有特需部和国际部，<span style="color: black;">大夫</span>专业，配套好，医疗资源<span style="color: black;">亦</span><span style="color: black;">无</span><span style="color: black;">那样</span>紧张，缺点<span style="color: black;">便是</span>全自费，<span style="color: black;">医疗保险</span>基本一分钱<span style="color: black;">亦</span>不报销。</p>
<h2 style="color: black; text-align: left; margin-bottom: 10px;">Part 2. <span style="color: black;">怎样</span>不花钱去协和特需、国际部看诊？</h2>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">听明白她的需求之后，我索要了她家之前购买的保单。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">整理既往保单有两个<span style="color: black;">功效</span>：</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">一是防止<span style="color: black;">举荐</span>的<span style="color: black;">制品</span><span style="color: black;">保证</span>重合；</p>二是<span style="color: black;">必须</span><span style="color: black;">掌控</span>整体保费在家庭资产中的比例不要过高。<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">我这个<span style="color: black;">朋友</span>本身<span style="color: black;">危害</span><span style="color: black;">认识</span>挺好的，之前有配置过某安的重疾险，自己还购买了北京惠民保，实话说，看个小病，应对<span style="color: black;">通常</span><span style="color: black;">看病</span>风险没啥问题。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">她的保单缺陷最<span style="color: black;">重点</span>的<span style="color: black;">便是</span><span style="color: black;">不可</span>满足她<span style="color: black;">期盼</span>去特需部<span style="color: black;">看病</span>的需求。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">惠民保不说了，<span style="color: black;">医疗保险</span><span style="color: black;">不可</span>报销的医院它<span style="color: black;">亦</span>不行。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">重疾险则虽然<span style="color: black;">能够</span>灵活运用，但一是保额<span style="color: black;">不足</span>，<span style="color: black;">仅有</span>20万。<span style="color: black;">倘若</span>想拿20万在特需部<span style="color: black;">或</span>国际部治疗重疾，钱有点儿少。另一点<span style="color: black;">便是</span>重疾险只能赔付重大<span style="color: black;">疾患</span>，<span style="color: black;">倘若</span>是阑尾炎之类的小手术，重疾险是没法赔付的，去特需和国际部看病依然还得自己花钱。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">综合考量，我给她<span style="color: black;">举荐</span>了中端医疗，保费适中，不会给生活<span style="color: black;">导致</span>很大压力和<span style="color: black;">困惑</span>，<span style="color: black;">同期</span>，还能享受到高品质的医疗服务。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">中端医疗<span style="color: black;">制品</span>不多，保费每年从千元到万元不等。<span style="color: black;">思虑</span>到医疗险的<span style="color: black;">花费</span>会随着年龄增长，她自己<span style="color: black;">选取</span>了中端医疗的入门<span style="color: black;">制品</span>——安盛卓越馨选，<span style="color: black;">倘若</span><span style="color: black;">将来</span>收入增长，再继续升级<span style="color: black;">制品</span>。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">安盛卓越馨选有几个特点：</p>保费便宜，性价比高。<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">现</p>
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