The last day of February every year is an international rare disease. Rare diseases are those that have a very low incidence and are rare. In my country, the number of rare disease patients has reached more than 20 million, and rare diseases face three major problems: difficult to diagnose, difficult to treat, and difficult to pay.
In Zibo, a new solution is provided for the burden of medical expenses for the rare disease population.
“Zibo Qihuibao” is an urban inclusive medical insurance tailored for the citizens of Zibo. For the first time, special drugs for rare diseases are included in the coverage of the upgraded product liability in 2021.
It is understood that the cost of the upgraded version of “Zibo Qihuibao” is only 149 yuan, including 2 million yuan insured medical insurance and 100,000 yuan insured rare disease drug protection, and is not limited to physical conditions, pre-existing conditions and medical insurance. Insurable and compensable.
Official news, a rare disease patient has benefited from Qihuibao.
A year ago, Kobayashi Lin (using a pseudonym to protect patient privacy) was unfortunately diagnosed with Spinal Muscular Atrophy (SMA), a rare and severe autosomal recessive disease. Sexually inherited disabling and fatal diseases. With the development of the disease, the patient’s spine and bones will deform, and in severe cases, it will lead to respiratory failure and even life-threatening. The only approved treatment drug for the disease, Nosinagen Sodium Injection, will be included in the medical insurance in 2021, and the cost per injection will still be about 33,000 yuan.
For an ordinary family, this is still the weight of immaturity. Previously, Xiao Linlin’s parents had insured him with Zibo Qihui Insurance, which meant that Xiaomenglin’s subsequent special drug expenses could be reimbursed at a certain percentage.
“Zibo Qihuibao” 2021 upgraded version of rare disease drug coverage, including SMA disease suffered by Kobayashi, adult wild-type or genetic transthyretin amyloid cardiomyopathy (ATTR-CM), The medicines required for 7 rare diseases, including chubby-Willi syndrome, mucopolysaccharidosis type I, mucopolysaccharidosis type II, mucopolysaccharidosis type IVA, and homozygous familial hypercholesterolemia, are all available. You can pay according to the agreed proportion.
In addition, as the operating platform of “Zibo Qihuibao 2021”, Waterdrop will launch a special relief fund for critical illnesses to provide public welfare assistance for critically ill patients after the “Zibo Qihuibao” claim is settled, focusing on rare disease patients. Enterprises, insurance companies and other partners, to provide diagnosis and treatment resources such as special drug services.
“Zibo Qihuibao”‘s care for rare disease groups is a highlight of the product. Through the inclusive features of products with high insured amount and low premium, it can cover a wider range of rare disease patients, greatly improve the availability of rare disease drugs, and to some extent make up for the drug problems of rare disease patients. Together with the rare disease protection policy of Zibo Medical Insurance, it has become an important part of the multi-level protection of rare diseases. Let more groups, like Xiao Linlin, unfortunately suffer from rare diseases, also get a warm-hearted guarantee. (Li Weihui)