Physician of the Song Dynasty: Zhang Kai and Li Qingzhao have a private life-long contract

"medical insurance?"

All the doctors looked at each other. They were also well-informed people. They understood medical treatment, but they didn't understand what Fan Zheng meant by insurance.

Fan Zheng explained: "Insurance is when many people help each other and avoid risks. For example, the cost of one person getting sick is about a thousand cents. If there are a thousand people, only one cent per person is enough to raise funds." With all the medical expenses needed, people can enjoy a thousand times the benefits by spending just one penny.”

"But how can a thousand people who are not relatives be willing to pay for medical treatment for one person?" Su Dun frowned.

He is responsible for researching forensic medicine and is used to seeing the dangers in the world. He simply does not believe that anyone is willing to pay for medical treatment for others without any reason.

The other doctors also nodded.

Fan Zheng smiled slightly and said: "If these thousand people make an agreement in advance: each person pays a penny, and if anyone gets sick, the thousand penny will be used to treat one of them. The sick person can spend the money to recover, and the healthy person can be cured If you are healthy, everyone will be happy."

"Ah! Can it still be like this?"

All the doctors exclaimed.

They thought carefully and found that this method was indeed feasible in theory. After all, each person only needed to spend a small amount of money, which everyone could afford. With very little money, you can buy peace and ensure that your illness is cured.

"Insurance, avoid risks! It really is as the name suggests." Yang Jie said with a heartbeat.

He was the first to be alert to the gradual increase in medical expenses. However, the increase in medical expenses was accompanied by the continuous improvement of medical skills. More and more diseases could be cured, which was an inevitable increase in costs, and he had nothing to do about it.

Nowadays, although Fan Zheng's insurance method is evil, it is extremely effective. If people can afford medical expenses with only a small amount of money, the so-called problem of expensive medical treatment will be greatly alleviated.

"But with the current medical expenses, if you get a serious illness, even a thousand yuan will not help," Qian Yi shook his head.

Before the doctor's reform, there were very few diseases that cost thousands of yuan, and of course the cure was slow. Now, after doctors have cracked Hua Tuo's secret knowledge, as long as there are diseases that require the operating table, none of them cost less than one thousand yuan, and some are complicated. Even more fees are required. "

Fan Zheng smiled slightly and said: "A thousand guan is not enough for a serious illness. What about a thousand guan? Is it enough?"

"A thousand strings?"

Suddenly all the doctors exclaimed that if they spend a thousand dollars to treat a doctor, they would not be willing to do so even if they have a fortune.

A thousand guan is equivalent to a million yuan. There are many families in Kaifeng City whose property is worth a million yuan, but not many can afford a million yuan, and only a few are willing to spend a million yuan for medical treatment.

"Fan is planning to formulate an insurance called Life Insurance, and he will pay one thousand guan every year. During the insurance period, if unfortunately he gets seriously ill, he will be able to get a reimbursement of 1,000 guan from the hospital. In this way, even the most serious illness will be covered. There are also enough financial information about the disease." Fan Zheng said solemnly.

I'm afraid not many families can afford to ask a patient to spend a thousand guan to cure his disease. If he spends 1,000 guan, it is enough to get a thousand guan to cure the disease. I'm afraid no one can refuse.

"Life guarantee!"

All the doctors couldn't help but frown. After all, it was their first time to hear the concept of insurance, and they were worried about the gains and losses of the so-called insurance.

"If someone didn't pay when they were young and deliberately waited until they were seriously ill in old age before paying, then wouldn't the doctor's family suffer a loss of blood?" Su Dun said with a frown.

The other doctors nodded,

As we all know, everyone cannot escape birth, old age, illness and death. When you are young, your body is strongest and not suitable for getting sick. After old age, your body is weak and you are most susceptible to diseases.

If doctors were asked to bear the medical expenses of the elderly all over the world, they would not be able to afford it even if the elderly paid a thousand cents.

"In addition to the elderly, infants and young children are also the most susceptible to illness. The implementation of medical insurance is quite risky." An imperial doctor objected.

Fan Zheng nodded and said: "It is indeed possible. You are all doctors. Babies have a higher probability of getting sick. As they continue to grow, by the time they are twenty years old, the probability of getting sick will be minimal. However, as time passes, As age increases again, the chance of getting sick will increase until you eventually get sick and get old."

All the imperial doctors nodded, this is the trajectory of human health throughout life.

Fan Zheng continued: "However, babies also have a healthy life. Even the sixty-year-olds can walk quickly. The twenty-year-olds who are the healthiest are still at risk of diseases, such as appendicitis, etc. It is not necessary. If you have insurance, the cost of a lifetime insurance policy is the same, and you pay the insurance premium according to the risk probability of getting sick.”

"Should we still pay fees based on the probability of disease risk?"

Qian Yi nodded slightly, this method was acceptable.

Fan Zheng continued: "For example, a one-year-old baby can be insured. To take care of the baby, you only need to charge 500 cents a year. As the baby grows older and becomes stronger, the premium will decrease year by year. , when he is twenty years old, the premium will reach the minimum, which is only two hundred cents a year! Then it will increase year by year, until it reaches a maximum of one thousand cents a year when he is sixty years old!"

What Fan Zheng did was not to make money, but to further develop his medical family. He did not choose the expensive and deceptive black-hearted dividend insurance of later generations, but the most affordable medical insurance paid annually.

"This is a good method!"

Yang Jie solemnly nodded and said,

It only takes a small amount of money to obtain a lifetime of peace. It only costs a few hundred cents per year, and the maximum is only a thousand cents, but you can enjoy thousands of cents in premiums. He believes that there will definitely be people flocking to it.

Other doctors also nodded. The most important thing is that this method can make up for the crisis that doctors' medical expenses are getting more and more expensive.

Moreover, with insurance, patients will no longer give up seeking medical treatment for huge medical expenses. This will increase the opportunities for doctors to come into contact with difficult and complicated diseases, and will further improve the medical skills of doctors.

"What if someone doesn't take out insurance on a regular basis, but takes out insurance only when they are sick?" Su Dun asked again.

Fan Zheng explained: "There is indeed such insurance fraud. Doctors can stipulate that the insurance does not take effect immediately. In the first year, the insurance requires a physical examination in the hospital. After confirming that there is no medical history, it will take effect three months later. In the future, as long as you purchase insurance on time every year, there will be no need for a three-month inspection period.”

"Three months is the most suitable time!"

Seeing that Fan Zheng had already prepared a countermeasure, Su Dun nodded slightly.

Many diseases have a rapid onset. If you take out insurance after discovering the illness, waiting for three months may delay your condition and it will be too late.

"If a person is sick, how can he prevent himself from borrowing other people's insurance to treat his illness?" An imperial doctor once again proposed an insurance fraud behavior.

"Fingerprint method!" Su Dun said proudly without Fan Zheng answering.

"Fingerprint method?"

All the doctors suddenly realized that everyone’s fingerprints are unique. As long as the fingerprint law is strictly enforced, insurance fraud will be able to escape.

Fan Zheng nodded and said: "All insurance must be in triplicate, one for the policyholder, one for the hospital, and one for the hospital. In this way, even if one copy is lost or damaged, it will not have much impact."

Su Dun nodded slightly. Fingerprinting is the specialty of forensic medicine. With him, there will be no way to hide the behavior of borrowing other people's insurance.