疾病是每个人都要面对的风险,基本医保加上商业保险,才能构筑起防御风险的经济壁垒,防止因病致贫的情况发生。如果提到看病,很多人首先想到的会是一个字——贵,看不起病和因病致贫的例子随处可见。疾病是每个人都要面对的风险,只有提前筑起抵御风险的经济壁垒,才能保证病有所医,同时不拖累家庭,保持原有的生活质量。想要筑起坚实的经济壁垒,仅仅依靠社会基本医疗保险是远远不够的。首先,基本医保在赔付方面有着很大的局限性,很多昂贵的进口药和前沿的诊疗手段都不在其报销范围之内,对于报销范围之内 Illness is the risk everyone faces. With basic medical insurance and commercial insurance, economic barriers to defensive risk can be built to prevent poverty caused by illness. When it comes to seeing a doctor, the first thing many people think of at first is the word expensive, poor-looking and poor-for-all. Disease is the risk that everyone faces. Only by building economic barriers to risk prevention in advance will diseases be guaranteed and families will not be dragged down to maintain their original quality of life. To build solid economic barriers, it is far from enough to rely solely on basic social insurance. First of all, the basic medical insurance in the payment has a lot of limitations, a lot of expensive imported drugs and cutting-edge treatment are not within the reimbursement within the scope of reimbursement