Originally, I really didn't want to write about this matter, which has a great impact on me, and people usually avoid it.
But after thinking about it all night, I still felt it necessary to talk. After all, many friends who pay attention to me are in their early 30s. They are about the cruel test of human nature, It is worth everyone's vigilance.
Last night I prepared the script for the podcast. I was going to wash and rest when I received a phone call from an old friend of mine whom I hadn't seen for a long time.
A few months ago, her father caught a bad cold, had a low fever and coughed for more than a week, and was unable to carry it to the hospital. On the same day, he was critically ill and kept alive by breathing machine and infusion.
The old man doesn't have any basic disease, but a bad cold has caused severe pneumonia, pulmonary encephalopathy and respiratory failure.
After lying in the ICU for several days, the doctor said to cut the tube, but the old man's various organs failed, and he may not recover completely after the operation, but he may also stay in bed for a long time and need special personnel to serve him.
The doctor asked her to go back and think about it.
She is the only daughter in her family. Her mother has coronary heart disease and has to take medicine all the year round. One child just went to kindergarten. These years, she is too busy taking care of her family. Her father's illness is a bolt from the blue.
The ICU is equipped with a ventilator, which costs nearly 10000 yuan a day. So far, it has cost more than 400000 yuan to be hospitalized. She is a housewife, and her family is living on her husband's salary, which is really the end of the mountain.
In the future, even if I leave the hospital, I can't afford a nurse, and my mother can't take care of me alone, what should I do? Selling? Where will the family live after selling? What about children going to school? Are they sent back to their hometown to be left behind children?
But if she doesn't get cured, her conscience will be troubled. My father worked hard for the family all his life. He dragged a minor illness into a serious one. Now it's time for life and death, he has to worry about money It was her failure as a daughter.
In the end, she had to borrow from her relatives first, and made crowdfunding links. In the end, she only raised 70000-80000 yuan, which is a lot.
After all, no one's life is easy these days, and everyone is living a tight life. Her love is true and her ability is limited. Besides, there are too many people who are even worse than her. Compared with misery, there is no worst, only worse.
She had no choice but to turn over the address book more than a dozen times from beginning to end, and then asked for all the friends she could.
To tell you the truth, this is not the first time I have encountered such a thing, but every time I feel embarrassed.
You can borrow this kind of life-saving money. It may be a long time before someone else can pay it back. I have a heavy burden on myself.
But don't borrow it. They are all children. I'm really sorry.
Finally, after a long time of tweaking, WeChat turned more than 10000 to make myself feel better.
To be honest, I haven't recovered yet.
Especially in the past two years, I have also deeply felt that my parents are aging very quickly, especially when I return home several times a year. Every time I meet my parents, I can clearly see that their white hair is a little more, their wrinkles are deeper, and their body is getting worse day by day.
Maybe one day I get a fever, fall down, and go to the hospital, it may be serious, to say nothing of hundreds of thousands of people.
Therefore, what my friend encountered today is not a small probability event, but a problem that most people may encounter in the future.
As parents get older, the multiple choice question that lies ahead of us will get closer and closer.
Just imagine, when parents really have an accident, we will do our best to save them? Or do you want to save your family and give up your relatives? Even if we want to do our best, do we really have enough money?
Therefore, the most difficult place to choose around this is money.
If they can afford it, everyone has the confidence to ask the doctor to perform the operation immediately, instead of struggling to calculate which is more valuable between money and life, and will not struggle between "the elderly and the small family" to choose which one!
Seeing this, some people may say that it is really so miserable to have medical insurance even if it is not good enough?
What they don't know is that there is a scope for medical insurance reimbursement.
Small ailments such as colds and fevers are fine. When encountering a serious disease such as cancer, the medical insurance is just a drop in the bucket and can't help us extinguish the fire quickly.
Take the drugs within the scope of medical insurance reimbursement, which are divided into three categories, namely, Class A drugs are 100% reimbursed, Class B drugs are partially reimbursed, and Class C drugs are not reimbursed at all.
For example, imported anti-cancer drugs, targeted drugs and new specific drugs belong to Class C Medicine, only at your own expense 。
Remember Yan Hongwei, a 33 year old doctor from Fudan University?
When I finally came out to welcome a better life, I was unfortunately diagnosed with advanced triple negative breast cancer, the most dangerous kind.
Targeted drugs are almost the last straw.
She went to Hong Kong to buy Pabosini, a box of 30000 yuan, 21 pills, an average of 1400 yuan.
Life is a living warmth, and we need cold money to escort us.
I'm not the god of medicine. I still remember the crying of my leukemic grandmother:
It is money that defeats the poor, and it is money that survives.
Only through personal experience can we know that the income of most families can not bear the economic losses caused by a serious illness.
I have witnessed too many tragedies in the past two years, and I often advise people around me to take good care of them as soon as possible, but many people are still lucky.
In particular, most of my friends who pay attention to me have become the backbone of their families. They work overtime every day, and have to go out to work when it's windy or rainy.
The current general environment is not good. Not to mention the impact of unemployment, layoffs and entrepreneurial failure, a serious illness of parents alone can empty the wallets of most ordinary people.
Therefore, in 2024, I would like to seriously advise you again:
Our own health and the safety of our parents are our capital to settle down.
In order to protect ourselves and our parents as much as possible, we should strengthen our sense of security and make financial planning while making money.
For example, a small amount of cash flow is reasonably used to transfer potential huge risks through financial instruments, Prevent cash from turning negative, and protect family members and wealth.
Once the accident falls down, the money for insurance claims can make you and your family get higher economic compensation and ensure adequate medical expenses.
In case of sudden illness, you don't need to pay attention to the number on the bank card all the time;
Don't watch your relatives beg for help everywhere; You don't have to lose the wealth that you have earned through hard work;
There is no need to face old and sick parents' heartache and remorse; There is no need to do multiple choice questions about money and life.
In a thousand words, what insurance protects is your money, your current assets and your living conditions.
Just like my private arrangement of not spending a penny on medical treatment:
Expenditures:
Serious disease treatment cost: about 800000 yuan
Family income loss after illness: 500000 yuan/year * 2=1000000 yuan
Income item:
Social insurance reimbursement: 150000 (average)
Commercial insurance compensation: 1.65 million (medical insurance+serious disease insurance)
Suppose a family member spends 800000 yuan on a serious illness, and after medical insurance reimbursement and medical serious illness insurance compensation, no It costs a penny.
The remaining 1 million will be used to compensate for the loss of family income two years after the illness, The illness did not affect the normal life of the whole family.
Some people may ask: Why do you know so much, Xiao Gao?
I once spent 2 months studying various insurances and found salesmen from different insurance companies.
But it's easy to see that they are all trying to convince me.
If there is a platform that can stand on the opposite side of the rip off product Industry shadiness and insurance leakage Holes, The clear research will help us a lot!
At that time, I was just attracted by the above services of a platform, and I wanted to have a try, I sent a photo of the first insurance policy I insured for my family, Ask the other person to help check.
Unexpectedly, there is really a problem.
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In 2024, we will make a complete security plan, which is related to the final dignity of our own life and that of our parents.
Not only foresight, but also responsibility for yourself and your family!
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