"On the Road to Anti-Cancer" (III)
talks about cancer, mainly because the patients are a big financial problem, followed by the patients' mental and psychological problems.
Fortunately, retired workers have a employee medical insurance mutual aid association. Every time they are hospitalized for treatment, there will be subsidies for medical expenses in one month. If they are transferred to their wife’s bank card, I will also receive a text message sent to me by the Shanghai Federation of Trade Unions Medical Insurance Mutual Aid Association. How much is the hospitalization subsidy?
Mrs. The lady was hospitalized for eight times of chemotherapy. Each checkout was about 1,800 yuan, and the employee medical insurance mutual aid association subsidized medical expenses was more than 600 yuan. These subsidies reflect the humanistic care of society and the spirit of mutual assistance for everyone and everyone.
In our Shanghai, every retired employee must sign a document to participate in the employee medical insurance mutual aid association when he retires. The first month of retirement wage every year is deducted from the medical insurance mutual aid association money, which is less than 200 yuan, and it is deducted according to the salary ratio.
Can't afford to get sick, which is a major problem for no medical insurance person. But for retired workers with medical insurance, especially those in first-tier cities, the benefits are much better.
My wife retired five years early due to the replacement of the enterprise site according to the policy, and she enjoyed the medical insurance benefits of retired employees 2,000 years ago.
So she said that it was a blessing in disguise. She was hospitalized for treatment, and the reimbursement ratio was more than those who retired after 2000. Although this time he had surgery and eight chemotherapy, the country spent more than 200,000 yuan, and he spent about 50,000 yuan. In addition, the employees' medical insurance was mutually beneficial and subsidized for less than 10,000 yuan.
Why do I write this fee account, the purpose is to let other patients know. Don’t be afraid of cancer. Welfare security policies and family affection. Maintain a good and positive attitude towards treatment, adjust psychological disorders, overcome temporary difficulties, and you will definitely overcome it.
"On the Road to Anti-Cancer" (IV)
People with cancer will have a long and cost-effective treatment in the later stage. My wife took four capecitabine tablets every day, each of which costs 27 yuan, which costs more than 100 yuan a day. If you take two weeks and stop for one week, you have to take the chemotherapy drug for half a year, then you can have a complete set of rehabilitation tests to check for cancer cells that have not been caught.
capecitabine tablets are specially used for patients with tumor metastasis after chemotherapy. It is very toxic and has more than a dozen discomfort reactions, but it is inseparable from rehabilitation and treatment.
Capecitabine tablets were still a self-paid drug for cancer treatment in 2017. My wife was fortunate to get sick last year, and the drug was included in the medical newspaper. Even though I still have to pay a large part of the money for entering the medical field, it is not an ordinary therapeutic drug. It requires a chief physician to prescribe a prescription and apply for medication. I can’t get the general medicine without an appointment.
Madam usually goes to the chief expert clinic every two weeks, and then prepare the medicine you want to take in the next two weeks. I have to spend more than 400 yuan, and the employee medical insurance mutual aid will reimburse nearly 70 yuan for the wife's bank card within 30 days.
Since my wife was diagnosed with cancer in October last year, I regretted the Corning life insurance and hospitalization subsidy insurance I bought for her a few years ago, and it has not been renewed for another ten years.
In 2002, I was forced to buy out of my for because of my company's service, I took some money every year to help myself and my family buy some insurance. People eat grains and are inevitably sick and ill. If you buy some medical insurance for hospitalization, you can prevent it.
When I first bought Corning Life Insurance, I added another hospital subsidy surcharge insurance. I paid 800 yuan a year, one ten-year period. The lady was very angry and said that I shouldn’t have bought it. I will pay 590 yuan for ten years and not be able to recover the principal until 2024. The annual hospitalization surcharge insurance is 210 yuan. If you don’t get sick and be hospitalized, it is equivalent to giving it to the insurance company for free.
is said to be true, I think I should buy what I should buy, but who knows when people get sick. Especially like those who I am on business trips all day, I have to buy accident insurance in life, natural disasters and man-made traffic accidents, and I don’t know that they will happen in the next second.
More than ten years ago on the Beijing-Shanghai Expressway, I helped the company to escort twenty tankers back to Shanghai from Shandong Jinan Petrochemical Company. The highway was temporarily closed in the middle of the night. Our truck stopped and stuck on the highway. The accidental accident when it was released after the snow was released at 7 o'clock in the morning made me scared to death.
Our two-ton truck rear-end and collects the butt, and the front windshield is broken all over the floor. I saw that the rear-end and hit it, so I consciously covered my face with both hands to protect it. The two hands were still cut by broken glass pieces, and the passenger seat door I was sitting in was deformed.
episode card driver got out of the car and took a look, and threw a sentence: "I want to hurry up, you guys go by yourself, and I won't hold you responsible."
Since then, I have attached great importance to insurance and I will buy anything that is beneficial to myself and my family.
"On the Road to Anti-cancer" (V)
Speaking of buying insurance, I remembered the PICC Corning Life Insurance I bought before. I found it and read it carefully. Is there any regulations that are beneficial to my wife? I bought Corning Life Insurance with
中文官网's Corning Life Insurance Plus Hospitalization Subsidy Insurance in 2005. At that time, I opened a maintenance service department and often traveled on business trips. My full-time PICC waiter told me: "Uncle spent a small amount of money to buy insurance, just to buy insurance."
The business department was doing well back then. Since the Jinan accident, I decided to buy more insurance for my family in case of accidents. It is also a real estate investment.
So after starting business in 2003, I bought seven or eight insurances for my son, wife and myself. Corning Life Insurance and Additional Hospitalization Medical Insurance were purchased without telling it when I was surplus in the financial situation. When she found out, she quarreled with me: "I am in my fifties. What life insurance and additional hospitalization medical insurance should I buy? I hope I am sick and I have no place to use the money, so I give it to the insurance company."
"590 yuan premium for one year, I have paid for ten years, but I can't get it. It will take 2024 years to get it. I have no interest yet. I'm really crazy." The lady nagged.
"Buy a guarantee for you, it's not wrong. The waiter of the insurance company advised me to buy it, but he wouldn't sell more insurance to make a fortune. It's better for people to eat grains."
I called Xiao Chen, a full-time PICC waiter, and asked him to come over once. Because the policy says: If there is a major illness, the insurance company can make a claim.
Xiao Chen looked at it and said, "Uncle, my aunt's condition is in line with the claim. I will ask you how to operate the background and what files are needed?"
About an hour, he uploaded all my wife's pathological reports, hospitalization summary, ID card, bank card, etc. on his mobile phone.
Ten minutes later, I received a China Life Insurance Company text message on my mobile phone: The Life Corning Life Insurance claim you filed has been received, and we will give you the time to reply to the claim within two working days.
Two days later, China Life sent another text message to my mobile phone: Your Corning Life Insurance claim has been reviewed. Please bring all the uploaded information and ID card and bank card to go to the China Life Business Hall on Siping Road.
I will send Xiao Chen a WeChat message. The claim review has been passed. My wife and I will go to handle it tomorrow.
He replied immediately: At nine o'clock tomorrow morning, I will wait for my uncles and aunts in the business hall, and I will accompany you to handle it.
People do not have long-term plans, and there will be future problems. I used to argue about a Corning life insurance policy, but today I got my investment back five years in advance, and there were 4,100 yuan in major illness claims insurance premiums.
Through reality education, Mrs. regretted not agreeing to renew my ten-year Corning life insurance and additional hospitalization subsidy medical insurance . Otherwise, this time, she had eight chemotherapy hospitalizations and had hundreds of yuan in insurance subsidy every day.
Buy insurance is to buy a guarantee and also to buy a safety for the family. Never ignore the function and function of insurance. In October this year, I helped my wife buy three incremental pension insurances twenty years ago, and I have already started to receive them. One pension per year is 1,000 yuan, and it is also increasing by 5% every year.
As long as people live healthy and well, they will never get enough money. Therefore, people’s mentality determines everything. If they are in a good mood, they can avoid the invasion of diseases. Good family affection is always the source of family happiness.
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