I collapsed, the most worried thing still happened

Today ’s secondary strip, Wen Xueli wants to tell you a few words, it’ s a sense of feeling. I hope that readers can pay attention to it after reading it.

Two days ago, I received a letter from a fan and wrote in the letter:

"Hello, I have encountered one thing recently, and I am very entangled in my heart, hoping to seek your help through words.

A few days ago, I suddenly came to me, saying that the old mother at home had a sudden myocardial infarction, and it finally smashed 170,000, and talents were rescued from the ICU.

Now the doctor was informed that in order to ensure the mother's future quality of life, he must have a heart bridge surgery, at least to prepare hundreds of thousands of.

I came to me this time, just want to find me to borrow some money.

As an old friend, I want to help him, but at the same time, I am very entangled.

Borrow money, know that cure is a bottomless hole, and the money is far away, and he is not so rich at hand, and he also has an old family to raise it.

Don't borrow it, I really don't go ...

Seriously, in the face of reality, I really can't do the same as when I was young.

Finally, I twisted for a long time, and I transferred 10,000 yuan for him to make him feel better.

I don't know what I do right, I want to hear your views. "

The reply of warm blood animals:

First of all, thank you for your trust in me. I can understand your inner tangles. I have encountered similar situations to you before, and the final way to deal with it is similar to you.

This kind of thing is difficult to have standard answers, so you don't have to force everyone to satisfy everyone.

Although most of us look bright on the surface, everyone behind it is under tremendous pressure on life.

Most of us are ordinary people with old and small, and we all have our own family to support it. In the face of reality, we can't see the friendship as you are younger than when you are young. reasonable.

In addition, although 10,000 yuan seems to be not much, each point is our hard work, who's money is not scraped by the wind, I believe your friends can understand your difficulties.

After all, diseases, accidents, and accidents are all reefs on life journey. Maybe we will encounter one day, and we also need to make plans for our families in advance.

You know, even if the possibility of accidents occurs only 0.1%, it can be encountered, and it is 100%damage to a family.

Speaking of which, I think of a news I have seen before:

Mr. Wu in Jiangsu, dedicated. Just a few days ago, suddenly appeared on the forum, netizens invited netizens to vote for their father's life and death.

His father accidentally fell on an electric car. He did not expect that a small accident caused serious consequences, spinal damage and lung infection.

From his hometown to the hospital in the provincial capital city, after two months of surgery for more than half a month, his father finally improved slowly.

However, the family had just returned to the home of the golden altar, but the wound suddenly began to purulent, and at the same time, intracranial infection, cerebrospinal fluid leakage, and incision infection occurred.

I have to live in the ICU again. It costs less than two or three thousand a day, as many as five or six thousand.

At this time, the doctor told Mr. Wu that if he was conservative, his father might have worries in the short term, and he might not be able to support it next weekend.

If craniotomy is performed, the chance of recovery is also very small, and one million will not rule out the results of people's wealth.

Although Teacher Wu and his wife have jobs, their father also has medical insurance.

However, the part of the medical insurance capacity is very limited, and the unknown unknown huge treatment costs and rehabilitation costs are undoubtedly a mountain that is over the head of this ordinary dual -paying family.

In order to save money, Mr. Wu's 60 or seventy -year -old mother was even unwilling to go to the hotel. She had been in the hospital bench overnight. She watched the old man suffering from an age. As a son, he was really distressed.

But in addition to being a son, a husband and father.

If the family is out of place, the power of the family will not keep his father, and the last child, wife, and him will have long -term debt, to withstand the despair, and the hardships.

All the considerations and tangles, Mr. Wu, who couldn't make his determination, decided to initiate a vote and hand over his father's life and death to netizens.

No surprise, the Internet scolded: Before trying to make a group of strangers decide the life and death of his father? This is matched as a teacher?

Mr. Wu is not worthy of being a teacher. I do n’t comment, but I personally feel that in the world problem “how to choose between the elderly and the little family”, most people will actually choose the latter.

When the child is sick, most of the heads of the family will smash the iron and sell iron and do not hesitate, and the elderly parents are sick. The adult children first weigh the money, whether the existing life will be affected.

Because when there is an old and below hours, "rescue and not rescue" is not just a matter of conscience, but also a sustainable distribution problem of a limited resource.

Imagine, if you can afford it, who will hesitate between the elderly and the little family? Who will be entangled in which value is more valuable to calculate money and life?

If you do n’t go to the hospital, you do n’t know how much money is. When you enter the hospital, you will know that your money is like a few eggs in the Yangtze River, and you can't shoot any waves.

Today, when we are all right, everything seems to be still. But once the accident came, most of them couldn't stand.

I dare not think about it, in case I fell, how can my elderly parents enjoy my old age, and how can my lonely partner support the entire family?

It is difficult for us to avoid encountering these things for a lifetime, and we cannot avoid impact it on our lives. But there are two things that we can decide: first, the attitude of facing suffering.

Second, it is prepared to plan ahead.

As for how to prepare? I think about it, and I found that there are actually too many ways, there are two ways:

1. Continuously increase income, control expenses, and master as much deposits as possible to cope with possible accidents.

2. For readers with less balance and slow income increase, the best way to deal with risks is to complete the insurance allocation of themselves and the family, and use as little money as possible to pass the risks that they cannot bear to insurance companies. (This article is not recommended for specific insurance products)

Old fans who are concerned about the warmth animals know that I have always suggested that everyone must allocate insurance allocation, because I have witnessed too many such tragedies in the hospital in these years, and these tragedies often have a copy of them. Very cheap insurance can be solved.

Taking this opportunity, I want to make simple insurance sciences for everyone, all of which are very practical knowledge. I hope everyone will watch it patiently.

I believe that most readers have participated in urban medical insurance or new rural harmony, so you may feel that you are not worried about the rear, then you are wrong. In the face of serious illness, you will find that medical insurance is not enough at all.

At present, the hospitals of hospitals are divided into three types of A, A, C, and Class A drugs, 100%reimbursement, and reimbursement of category B drugs. Class C medicine does not reimburse. For example, imported anticancer drugs, targeted drugs, and new special effects are all Class C, and can only be at their own expense.

For example, Torizon (Dacomitinib), a targeted medicine for treating lung cancer (DACOMITINIB). Before entering the medical insurance, one box is required and 17,000 per box. about;

Another example is the PD-L1 inhibitor of immunotherapy drugs, whether it is imported or domestic, even if it is counted, the imported medicine takes 130,000 to 140,000 a year, the domestic production is 75,000 in 2 years, and the price drops after entering the medical insurance. Not cheap.

The artificial lungs commonly used among patients with critical illness are 60,000 yuan, which starts 20,000 yuan a day.

Many products are all at their own expense, and medical insurance cannot be reimbursed.

Some readers may think about the probability of suffering from major diseases such as cancer, stroke, and myocardial infarction. I can only say that you take it for granted.

If you go to check the data published by the Insurance Regulatory Commission, you will know that the probability of recruiting these serious illnesses in a lifetime is 72%. Of course, most people have become ill after the age Only to consider this matter. At that time, the premium was too expensive or I couldn't buy it directly.

Many readers who pay attention to warm blood animals should be the economic pillar of the family. I believe that no one can get up with dozens or millions of treatment fees. Come back to this loss?

It can be said that a non -insurance family is like a fragile glass ball, and it breaks the entire family when it encounters the entire family. And insurance families are like a ball, and they can play even if they are suppressed.

But insurance cannot be bought blindly. Insurance itself has a high threshold, involving three aspects of finance, medicine, and law. Because I do n’t understand relevant knowledge, I buy the wrong insurance, and I ca n’t pay the money in the end. Many people are there, and I have seen more than one or two.

In order to prevent everyone from falling into the pits that buy the wrong insurance, the warmth animals solemnly recommend a reliable third -party insurance consulting service platform to everyone:

The insurance experts of their platforms are very professional. After their own experience, they feel very good. It is recommended that you go to them to do a comprehensive understanding and consultation before choosing specific insurance products.

Their family protection planning services are very professional and meticulous, and many people feel good after experiencing them.

The fan's affairs made me very emotion, so I deliberately and them

- END -