醫療實支實付有很重要嗎 - 保險

By Hamiltion
at 2017-09-20T10:21
at 2017-09-20T10:21
Table of Contents
對於醫療險
我再稍微發表一下我的看法
我本身就是基層的醫療人員啦
先提醒大家一點
其實大家本來就有保健保
其實就是一個非常廣泛的醫療險了
自費項目很多啊 我也承認
但是自費項目的效果也沒有大家想像中的好
不必過度神話 有的時候花了三到五倍的錢
療效只增加不到5%
大家都保了醫療險 在生病的時候會做甚麼?
當然是能凹自費就凹自費嘛
笑的是誰? 醫院財團老闆 哈哈成本超低反正自費開價高也有人買
哭的是誰? 就是我們這些醫療人員啦
在醫院有一句話叫 自費的最大
意思就是說 雖然你自費的項目以我們的專業來看完全沒有必要
東做一個檢查西做一個檢查 照一堆奇怪的儀器之類的
但是你有錢 你最大 就算自費項目對你本身有害
我們也完全不敢去反駁 因為會損及醫院的利益阿
在這個凹回本的心態之下
無形之中也浪費的許多醫療資源
EX: 明明可以出院了但是保險有住院理賠就把醫院當旅館賴在醫院
真正需要病房的人反而沒病房
ps. 自費的處理流程跟健保不一樣(至少在我的單位)
反正接到一些自費的單就很OOXX 要跑其他的流程多花很多時間
--------------------------------------------------------------------
以我本身的情況醫療險非必要
自費項目先評估後才會做決定 沒必要的我就不會去自費
當然有的人的情況也是適合保 那你們就自己評估這樣
--
我再稍微發表一下我的看法
我本身就是基層的醫療人員啦
先提醒大家一點
其實大家本來就有保健保
其實就是一個非常廣泛的醫療險了
自費項目很多啊 我也承認
但是自費項目的效果也沒有大家想像中的好
不必過度神話 有的時候花了三到五倍的錢
療效只增加不到5%
大家都保了醫療險 在生病的時候會做甚麼?
當然是能凹自費就凹自費嘛
笑的是誰? 醫院財團老闆 哈哈成本超低反正自費開價高也有人買
哭的是誰? 就是我們這些醫療人員啦
在醫院有一句話叫 自費的最大
意思就是說 雖然你自費的項目以我們的專業來看完全沒有必要
東做一個檢查西做一個檢查 照一堆奇怪的儀器之類的
但是你有錢 你最大 就算自費項目對你本身有害
我們也完全不敢去反駁 因為會損及醫院的利益阿
在這個凹回本的心態之下
無形之中也浪費的許多醫療資源
EX: 明明可以出院了但是保險有住院理賠就把醫院當旅館賴在醫院
真正需要病房的人反而沒病房
ps. 自費的處理流程跟健保不一樣(至少在我的單位)
反正接到一些自費的單就很OOXX 要跑其他的流程多花很多時間
--------------------------------------------------------------------
以我本身的情況醫療險非必要
自費項目先評估後才會做決定 沒必要的我就不會去自費
當然有的人的情況也是適合保 那你們就自己評估這樣
--
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