Your deposit, enough for you to stay at ICU a few days?
This is a classic hot topic of knowing the previous classic discussion, more than 2.6 million views.
Many people feel emotional when they see this problem, saying that their salary cannot live at the ICU.
ICU is the severe care unit abbreviation. This is the most high -end medical equipment, medical level, and medical drugs in hospitals. It is called "the last hope of the patient".
high -end equipment and medical level is often accompanied by high costs.
So, ICU treatment costs, can medical insurance reimbursement, buy commercial insurance, how much can play?
Today, today, we use an ICU treatment experience to talk about the role of medical insurance and the necessity of supplementing commercial insurance.
New Year's Eve, the child lives in icu
. The first feeling of many people is to spend hundreds of thousands of people in, and it is likely that people's wealth is empty.
But not long ago, a reader shared his child's medical experience, which subverted everyone's view of the price cost of ICU.
is like this. Father Wang is looking forward to the children who have been born for many years. They just started to cough and sent it to County Hospital. , I can only rush to the Trinity Hospital in the district. Although
is the end of the year, it is just New Year's Eve, but the pediatric hospitalization department of the Trina Hospital still has no bed at all. has been waiting for too long. Popularity .
Wang Dad is looking for the front desk and a duty doctor. All kinds of people who can find them have found it. After more than one hour, is coordinated to a VIP ward, a single bed fee, 300 yuan per day, medical insurance does not reimburt l6 .
originally thought that the child could be treated smoothly. I did not expect that the child was sent to the ICU.
In a moment, Wang's father was angry and worried, and the bed had been communicating for so long. Suddenly, the child was sent to the ICU.
was originally in the hospital for examination, children have worsened pneumonia. Symptoms such as dyspnea and Heart failure have occurred. Into ICU.
Children in the ICU. Parents must promise to follow . Therefore, Dad Wang can only fight the floor in the corridor of the hospital. There are many parents like his parents.
lives in ICU 11 days. It costs 25,000
. Fortunate Ordinary ward, but doctors evaluate You can directly discharge . The whole family is very happy. When he is happy, his father is also worried that the cost of the ICU will be very expensive. When
was discharged from discharge, Dad Wang found that a series of hospitalization costs such as medicines, examinations, and nursing were added to a total of nearly 25,000 yuan .
is because the child has just been born for more than a month, and has not had time to pay medical insurance. All medical expenses must be at their own expense .
passed the staff of the hospital. Dad Wang knew that he could make medical insurance for children in . This part of the cost can also be reimbursed . The medical insurance reimbursement should not exceed 10,000.
ICU is 2.5 million. It is not as expensive as expected, and medical insurance can be reported, so personal costs are even less.
Of course, the above case is only one of the cases of living in the ICU. In order to learn more, we consulted the doctors of the three hospitals.
receives the reply: the treatment cost of ICU is also high or low, depending on the condition. In general, if the condition is more serious, the average is 10,000 to 20,000 per day. If it is not so serious, there is no need to use expensive devices. The daily cost is about 2 ~ 3,000 . If
has medical insurance, the average daily treatment cost can be reimbursed by 50%to 80%, reducing personal burden. The specific report is mainly related to local medical insurance treatment.
ICU is expensive. In fact, it is relatively speaking. Although the overall cost is not tens of millions, has a lot of burden for ordinary families. It is only a few hundred dollars .
Those million bills on the screen on the network are even more dazzling. Why is the cost of ICU so much? Let's analyze it below.
ICU Garden costs, how much can insurance play a role?
is spent on the ICU, which mainly depends on the condition. The more severe the condition of
, the more treatment measures to be used, the more expensive the cost, and some of the treatment equipment and drug social security are not reimbursed. Of course, it is expensive.
, for example, artificial cardiopulmonary machine ECMO, the boot fee will cost 60,000. After 20,000 per day, medical insurance will not be reported. It can really be called "ECMO, Golden Wanwan ".
ECMO is used to treat patients with severe cardiopulmonary failure, which can provide them with in vitro breathing and cycle, that is, using machines to replace heart pump blood and lungs to maintain life.
In terms of drugs, patients with ICU often use one type of drugs. albumin and immunoglobulin , because they are imported, medical insurance cannot be reported, the price of a bottle is 400 ~ 600 yuan.
patients with low albumin, uses 2 to 4 bottles a day, which means that this kind of medicine alone, thousands of a day.
In addition, there are some treatment methods often used in ICUs, which are not low cost:
is used. It is endless.
If you are seriously ill, live in the ICU, price medical treatment is a sword hanging on the head of most people. Treatment.
hundreds of dollars of millions of medical insurance can be reimbursed for ICU. can be reimbursed. The reimbursement of millions of medical insurance is not limited to the medical insurance scope. After deducting 10,000 yuan, the maximum energy is 100%reimbursement, which can make up for the lack of medical insurance.
and good million medical insurance have cushioning function . It is very practical. After all
can be seen directly, but there will be a lot of hidden expenses, such as children's illness, two adults cannot go to work, and the loss of these mistakes is also a lot of money.
So, cope with the risk of major diseases, critical illness insurance can also play a good role. In case of the stipulated disease, you can get compensation at a fixed amount.
is written in the last
ICU is the most manifestation of human nature.
Treatment. In addition to the patient's great pain, high costs will also overwhelm most families at any time; if you are giving up, you may leave the regrets of your life. No one wants to enter the ICU, but if unfortunately, the insurance will add a courage to the ICU.
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