Recently, many customers have asked Sister Ta, "Is it worth buying an insurance worth X million and getting a CAR-T rights card worth 1.2 million?" Sister Ta will explain it in detail today.
1
What is CAR-T therapy?
CAR-T therapy, the full name of chimeric antigen receptor T cell immunotherapy, is a new immunotherapy for treating tumors.
2
The principle of CAR-T treatment
CAR-T treatment is simply divided into five steps:
. Isolate ordinary immune T cells from cancer patients.
2. Use genetic engineering technology to modify T cells so that they can better recognize and attack tumor CAR-T immune cells.
3. To expand CAR-T cells in large quantities in the laboratory, a patient may need hundreds of millions, billions, or even tens of billions of CAR-T cells.
4. Infuse the amplified CAR-T cells back into the patient.
5. Monitor the patient closely for side effects and call it a day.
3
How does CAR-T treatment work?
Many domestic oncology experts emphasized that CAR-T cell therapy is not a universal cancer drug . At present, this therapy mainly treats tumors of the blood system.
"For example, the treatment effect of leukemia , lymphoma , multiple myeloma is relatively good, but the effect on other cancers is not yet certain."
ps: The current treatment methods for cancer mainly include chemotherapy ( namely chemotherapy), radiotherapy (ie radiotherapy ), targeted therapy , immunotherapy, endocrine therapy . Among them, the first three are "relatively" mature treatments, while the latter two are treatments that still need to be explored for a long time.
4
CAR-T What is the entitlement card?
CAR-T rights card service content:
1. Rights and interests for the use of designated drugs for CAR-T therapy:
. Collect and organize member information in the early stage, establish member health files, and evaluate whether they are consistent with the CAR-T therapy
2. To comply with CAR-T Members of the therapy are provided with the rights to use CAR-T cell therapy drugs that are marketed in China.
2. CAR-T therapy hospital-assisted treatment rights
recommends qualified medical institutions for members who are eligible for CAR-T therapy and assists members in using their rights.
3. CAR-T therapy medical treatment process assistance rights
Assist members who are eligible for CAR-T therapy to handle the complex and professional use process.
4. Rights and interests of overseas second diagnosis and treatment opinions
. Collect and organize member information in the early stage. Establish members' health files to evaluate whether they are eligible for CAR-T therapy;
2. Based on the member's necessary medical information (such as diagnosis certificates, result reports, etc.), overseas doctors and experts will provide a written "Second Diagnosis and Treatment" based on the member's condition description and medical information. Opinion Report".
5. Targeted gene testing rights
provides disease-related targeted gene testing services for members who are eligible for CAR-T therapy.
6. Clinical trial application rights
provides members with new cancer drug clinical trial application services and assists rights holders in participating in treatment plans for new drugs and new indications in the clinical trial stage.
5
Is the "CAR-T Rights Card" worth it?
"CAR-T entitlement card" is worthless.
The guarantee liability for CAR-T treatment is actually very low in terms of cost and threshold [please see the product of a certain product in the picture below].
should only be used as a protection responsibility when "configuring a family protection plan", should not be used as the starting point for "buying or not buying" an insurance.
6
Which insurance can cover CAR-T treatment?
1. The most economical insurance: anti-cancer drug insurance
Since CAR-T treatment is relatively new, the corresponding drugs are currently unavailable in hospitals and need to be purchased at pharmacies outside the hospital, so needs to be able to reimburse "outside-the-hospital drugs" Special drug insurance (as low as 17 yuan per year) .
2. Mid-to-high-end medical insurance
Most standard mid-to-high-end medical products come with out-of-hospital drug liability, and the products have no drug list restrictions.
Summary
It is not worth buying tens of thousands of premiums just for CAR-T rights.
Buying insurance involves basic protection for individuals and families and family financial planning. You are welcome to contact Sister Ta for consultation.
