Cancer is one of the major diseases of modern man. And, despite the fact that medicine has some means by which to his treatment, they can do for patients is very expensive. Even when treated in the public health facility to obtain virtually free, for effective imported drugs would have to pay big money.
One solution to this problem is a specialized insurance. In the U.S., for example, cancer risks are insured for a long time, and the service is in demand: today, such policies to buy about 10 million Americans. In Russia such insurance were introduced ten years ago, but they almost did not sell. Some companies refused to insure people do with an increased risk of cancer, some insure only women - breast cancer, but in other cases, demanded from the client to pass a costly survey.
Available coverage began to appear in Russia only last year. Then the company AIG Life offered a new service: corporate insurance against critical illness, including cancer. Insure predlagaletsya young people up to 30 years, the cost of the policy is 3500 rubles. When an insured event, the company pays the customer 300 thousand rubles for treatment. Success of the program did not have: for the year covered by such insurance purchased only about 700 people. In Russia there is no hurry to buy additional medical insurance.
This may become an obstacle for other companies planning to introduce similar programs, and not just for young people. It is assumed that the cheapest insurance policy will cost the customer 10 thousand rubles, and the insurance payment on it is 600 thousand rubles. With these funds, one third will go to the service representative, who will organize the customer treatment that can be very useful, given the peculiarities of the Russian health care system. However, according to experts, even such insurance will not solve all problems. This is due to the fact that most cancer centers are not always able to charge for their services.
In Russia treatment of cancer is carried out under the free state programs, but to pass this treatment the patient is not easy. Most people have no choice as to bring the money in an envelope, as the state medical institutions have no right to take money for treatment. Unlike Russia, the U.S. insurance payments enable a patient without any problems to get all the necessary services.
Another problem is the insurance for cancer risk assessment. When to assess risk accurately is impossible, insurers are beginning to use the simplified coefficients, which often makes insurance more expensive. Thus, in the simplest case, when calculating the base rate for insurers to rely only on two numbers - the population of the country and the number of registered cases of cancer. So, do not take into account the individual risks associated with lifestyle, and the cost of the policy, for example, an athlete and for the smoker is the same.
There is another way to assess the risk of cancer. This DNA analysis or search for variants of genes responsible for susceptibility to various forms of cancer. However, the situation with such studies is also complicated, because to date there is no single universally accepted list of genes responsible for the development of cancer. Experts do not always able to accurately determine how likely a certain gene can cause disease. In the past year in the U.S. generally prohibited the use of such information for insurance.
One solution to this problem is a specialized insurance. In the U.S., for example, cancer risks are insured for a long time, and the service is in demand: today, such policies to buy about 10 million Americans. In Russia such insurance were introduced ten years ago, but they almost did not sell. Some companies refused to insure people do with an increased risk of cancer, some insure only women - breast cancer, but in other cases, demanded from the client to pass a costly survey.
Available coverage began to appear in Russia only last year. Then the company AIG Life offered a new service: corporate insurance against critical illness, including cancer. Insure predlagaletsya young people up to 30 years, the cost of the policy is 3500 rubles. When an insured event, the company pays the customer 300 thousand rubles for treatment. Success of the program did not have: for the year covered by such insurance purchased only about 700 people. In Russia there is no hurry to buy additional medical insurance.
This may become an obstacle for other companies planning to introduce similar programs, and not just for young people. It is assumed that the cheapest insurance policy will cost the customer 10 thousand rubles, and the insurance payment on it is 600 thousand rubles. With these funds, one third will go to the service representative, who will organize the customer treatment that can be very useful, given the peculiarities of the Russian health care system. However, according to experts, even such insurance will not solve all problems. This is due to the fact that most cancer centers are not always able to charge for their services.
In Russia treatment of cancer is carried out under the free state programs, but to pass this treatment the patient is not easy. Most people have no choice as to bring the money in an envelope, as the state medical institutions have no right to take money for treatment. Unlike Russia, the U.S. insurance payments enable a patient without any problems to get all the necessary services.
Another problem is the insurance for cancer risk assessment. When to assess risk accurately is impossible, insurers are beginning to use the simplified coefficients, which often makes insurance more expensive. Thus, in the simplest case, when calculating the base rate for insurers to rely only on two numbers - the population of the country and the number of registered cases of cancer. So, do not take into account the individual risks associated with lifestyle, and the cost of the policy, for example, an athlete and for the smoker is the same.
There is another way to assess the risk of cancer. This DNA analysis or search for variants of genes responsible for susceptibility to various forms of cancer. However, the situation with such studies is also complicated, because to date there is no single universally accepted list of genes responsible for the development of cancer. Experts do not always able to accurately determine how likely a certain gene can cause disease. In the past year in the U.S. generally prohibited the use of such information for insurance.
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