Obtain a personal health passport, connect the "My Health Bank" with one click, and avoid complicated login procedures, so that when you see a doctor in various hospitals and clinics, you can quickly view medical treatment and medication information on the medical terminal with one click, avoiding repeated communication of medical records and symptoms .
If you want to access the medical records of patients, you need to go to the hospital to apply for it. Even your own medical records may require additional administrative processing fees. However, the medical treatment and medication information services help people obtain their own health passports. Keys connected to "Keep Savings SDK" to avoid complicated login process The program allows you to quickly check the medical treatment and medication information on the medical terminal with one click when you see a doctor in various hospitals and clinics, so as to avoid repeated communication of medical records and symptoms. "One phone in hand, medical records and passports are unimpeded", you only need to download "Yibingtong", and activate "My Data" through simple two steps, help People connect their medical records to their mobile phones, and can confirm their medical records with one click anytime, anywhere. No matter if there is a special disease or medication, they need to remind the medical staff of the medical record status, which can be clearly used for communication between doctors and patients. Step 1: Register and open "Yieyitong" Step 2: Click "My Data" and connect "Health Passbook" with one click (Follow the steps on the phone screen to complete the authorization, and you can open your exclusive medical record passport!)
"Yieyitong" connects the health insurance SDK with blockchain technology to solve the problem of patient identity authentication, protect the rights and interests of health passbook owners to obtain medical records, and then quickly confirm the patient support plans and welfare resources that can be applied for. The service description is as follows:
1)"My Data" to download medical records: online authorization to serialize and preserve the passbook, download medical records, and save the time and fees for hospitals to apply for medical records
2)"My data" creates a health passport: cross-diagnosis consultation and troubleshooting, one-click sharing of medical records and medication details.
3)"Health Plan" Welfare Resources: Just like a health supermarket, it provides members with a series of health and welfare plan information.
4)The "Health Plan" application is very simple: one-click review to apply for a health plan, and identity authentication through "My Data", eliminating the need for repeated administrative procedures for submitting patient identity documents.
Provide the public with one-stop collection and one-click matching of eligible and applicable health welfare plans, so that the benefits of patients are not missed.
At the same time as health management, what health welfare plans can be applied for, but the public does not know anything about it? health plan benefits package to help people According to their own medical records, one-click matching of health welfare plans that can be applied for helps the public save a lot of time and eliminates the need to understand health information one by one and exclude unqualified health plans. It only needs one-click to join the plan, which will be reviewed by the background Confirm that the conditions are met, you can get Comprehensive Health Benefits Program. The health and welfare consultation plan provides you with a mobile phone, a comprehensive grasp of various health and welfare plans, and only two steps to help the public get a qualified health and welfare plan with one-click matching: Step 1: Connect the health passbook and open "My Data" (for the first login, you need to prepare the health passbook registration password and the health insurance card number) Step 2: Click "Health Plan", join the relevant plan with one click, and wait for the review result to get the relevant information Health benefits!
"Yieyitong" connects the health insurance SDK with blockchain technology to solve the problem of patient identity authentication, protect the rights and interests of health passbook owners to obtain medical records, and then quickly confirm the patient support plans and welfare resources that can be applied for. The service description is as follows:
1) "My data" to download medical records: online authorization to serialize and preserve passbooks, download medical records, and save the time and fees for hospitals to apply for medical records.
2)"My data" creates a health passport: cross-diagnosis consultation and troubleshooting, one-click sharing of medical records and medication details.
3) "Health Plan" Welfare Resources: Just like a health supermarket, it provides members with a series of health and welfare plan information.
4) The "Health Plan" application is very simple: one-click review to apply for a health plan, and identity authentication through "My Data", eliminating the need for repeated administrative procedures for submitting patient identity documents.
The drug cost trial calculation service provides you with simple input of indications and estimated prescription drug information, and will assist you in evaluating the trial cost of the overall course of treatment according to the standard treatment,helping you to properly plan and prepare for drug costs, and evaluate whether to start the course of treatment.
Easily log in to the insurance policy you already own, and you can grasp the rights and interests of multiple insurance policies at one hand, and you can grasp the relevant medical benefits such as the daily hospitalization amount, the amount of major injury and disease compensation, etc. with one-click trial calculation.
Buying an insurance policy was a matter of decades ago. Now I only remember when to pay the premium, but I don’t know the detailed policy benefits? Even if you know that there may be a need for treatment in the future, but you don’t know the amount of insurance that you can apply for without applying for a claim? There are too many insurance companies' policies, but it is difficult to collect and understand themselves Integrity interest assessment? Private insurance rights consultation plan does not need to enter personal information, only need to enter the policy name, no matter one, three, or even five or more different insurance companies, as long as you log in your policy name, you can compile your own personal policy in one stop rights, allowing you to actually develop Before starting the course of treatment, you can know the amount of benefits you can get if you stay in the hospital for one day, or receive chemotherapy once. (Note: The actual claim amount should still be paid according to the actual application status of the insurance company, and the calculation and evaluation amount is for reference only.)
People only know their own insurance rights when they buy and use them, and when they get sick, it is also the time when they will use their insurance rights with a high probability in the future. This plan provides private Insurance benefits assist in overall assessment, help the public review your policy benefits, and help the public discuss with doctors the resource evaluation of follow-up treatment plans. Private insurance is like a fast food package. In each primary contract, Different meals (riders) can be matched according to needs, and the choice of each rider will affect the policy benefits, so by correctly registering your policy name, no matter which insurance company’s product can help you according to your own benefit category , Assist you in calculating the relevant benefit items and amounts that may be used during treatment, such as how much is a day of hospitalization? Fixed payment or real payment? How much is the amount of miscellaneous expenses, and the amount needs to be reaccumulated every few days.
Provide the public with fast matching and matching of social resources that can be applied for, so that the public can avoid spending extra time and effort in searching and screening social resources that can be applied for.
In the event of an emergency, is it difficult to afford the shortfall in medical expenses? This program provides the public with a one-stop collection of emergency resources that can be applied for. According to their own special identities, including low-middle income, low-middle-income households, cold certificates, major injury cards, or children in school, etc., one-stop Quickly match and query available social resources.
Social resources are grasped, one-stop links to various resource links for emergency medical applications, and help the public to include and link relevant social resource application information with one click. People will apply for social resources according to their special status and obtain relevant social resources.
How to find appropriate medical funds for the sudden self-paid drug demand? Provide everyone with medical and financial consulting services. According to your drug needs, after evaluation, we recommend you installment payment plans or loan information.
"The purpose of seeking to extend the payment period is to take into account the quality of life of myself and my family!" When there are better options for treatment, but you have to face the dilemma of economic decision, should you pay for family living expenses or medical expenses first? Limited by medical ethics and legal restrictions, excessive medical consumption is not encouraged. Medical financial services are different from consumer finance, starting from compliance with medical professional decisions, taking into account medical risks, evaluating clinical evidence models, and providing installment payment plans or loan introductions for patients' financial support based on patients' affordability.
Under the health insurance system, many people who want to receive new treatments encounter the dilemma of having to pay for their own expenses. Faced with the sudden demand for funds for medical expenses, they do not want to borrow money from relatives and friends. Affecting the quality of life of the family? In order to allow the public to have more time to raise funds, Medical Financial Consulting provides the public with treatment first and payment plan evaluation. Through the project-based installment payment plan or medical loan, it helps patients start the course of treatment first, and strives for More time to raise funds for drug expenses and extend the time to pay medical expenses.
The medical financial consultation plan provides the public with their own financial experience to evaluate the appropriate medical financial plan, including the project-based medical payment installment service (BNPL) or medical loan plan.
[Project-type drug payment installment plan] Cooperate with special pharmacies to design a project-based drug payment installment plan for specific project drug treatment courses to help patients start treatment as soon as possible and extend drug expenditure (dividing the entire drug fee amount into Multi-payment method, regular payment of drug fees and period payment method, so as to strive for more time to raise funds for drug fees).
【Medical Credit Program】Referring banks provide Unily Medical Credit Program for patients or family members who have a funding gap due to medical expenses, assist the public to evaluate and apply for affordable loan programs, and help start the treatment process
The introduction of the drug gifted management system helps the cooperative pharmacy to manage the drug inventory and approval list, and it can immediately grasp the flow of drugs.
The donated medicine management system helps to integrate the donated medicines of various pharmaceutical companies and products, and approves and distributes medicines according to different plans, so that cooperative pharmacies can more efficiently assist patients in supporting plans.
The free medicine management system can easily manage the subsidy schemes of different products, monitor the inventory and track the flow in real time, and can query the information of the approved patients for the approval and issuance of medicines, and leave the medicine receiving records for future inspection.
Sales of medicines/medical materials/consumer goods, e-commerce platforms for exclusive medical staff.
Want to easily place an order for medical and health care products? The quality of the international pharmaceutical factory makes people feel at ease, easy to click online, diversified payment methods, and the most important thing is OPEN 24 hours at any time, so you can order at any time without waiting!
The pharmaceutical e-commerce sales platform provides an exclusive order service system for pharmacies, medical service units, and medical staff to assist in easy order placement and related order progress tracking and customer service.
Provide medical teams for training strategy training, hardware operation teaching, and coaching medical/ hospital to create a high -volume net red team.
Want to become an online celebrity medical team, want to build your own channel but don't know where to start? Shooting, scripting, recording, live broadcasting, etc., every link is knowledge, provide you with a series of courses and training courses for the Internet celebrity medical team, and help you successfully establish your own channel and build a famous Internet celebrity team!
A qualified Internet celebrity team, in addition to being able to complete independent operations and complete live broadcast or video channel material preparation, on-site shooting quality control and long-term operation management of channels and fans, including script planning, on-site layout and professional equipment understanding and use, during the live broadcast Mastering the atmosphere of the host and the editor, the long-term operation and setting of the channel, etc., each link is a knowledge, so this plan assists in providing one-stop training courses, and assists in planning and providing according to your Internet celebrity goals. Course content that suits you.
Provide the industry's various professional cooperation invitations to cooperate opportunities, such as the health promotion lectures of enterprise employees.
Assist match-matching medical experts to undertake relevant appointment and cooperation opportunities, including arranging manpower to go to the hospital for marketing and publicity of health education activities with brand owners in medical institutions, or to cooperate with relevant associations, pharmaceutical companies and other health education lecturers, and will further media To meet the needs of lecture topics in joint enterprise occupational care, and provide a variety of expert cooperation opportunities.
Help medical experts including physicians, nurses, health teachers, nutritionists, pharmacists, etc., assist in matching brand owners, drug dealers, occupational care and other related units to see if there are suitable appointment cooperation opportunities, including marketing endorsements, public health education ambassadors, Corporate health education lecturer, etc.
To solve patients at their own expense, through the control of drug -gift compliance management systems, help patients support the implementation of the plan, and provide effective and instant service and records.
The patient drug donation compliance management system-MediPASS is the first digital solution service system for patient support plans, and won the 2021 National Medical Quality Award Industry Label. Improve the application process of patient support programs in a digital way, and provide a convenient, safe and compliant service platform for clinical and patients. At the same time, it has obtained the certifications of ISO9001 quality management system, ISO27001 information security management system and ISO27701 personal data privacy information management system.
Assist patients to increase medical accessibility and help patients obtain complete treatment. Through the drug donation compliance management system, the patient support plan is implemented and managed digitally, helping medical staff, patients and caregivers to obtain the services and assistance of the support plan in a timely manner.
According to different disease areas and patient needs, we will assist in planning patient medication assistance programs:
【early stage】
1) Demand Discussion and Planning
2) Related material design and preparation
3) Standard workflow document formulation
4) Integrated communication across departments
5) Project Promotion and Adjustment
【mid stage】
1) Project Quality Management
2) Document review and control
3) Communication with relevant units
4) special event handling
【Late stage】
1) Compliance retention and archiving of documents and materials
2) Summary and analysis of execution results
Solve the plight of patients for self-financed treatment, assist patients to support the implementation of the plan through the drug donation compliance management system, and provide effective and real-time services and records.
The patient drug donation compliance management system-MediPASS is the first digital solution service system for patient support plans, and won the 2021 National Medical Quality Award Industry Label. Improve the application process of patient support programs in a digital way, and provide a convenient, safe and compliant service platform for clinical and patients. At the same time, it has obtained the certifications of ISO9001 quality management system, ISO27001 information security management system and ISO27701 personal data privacy information management system.
Assist patients to increase medical accessibility and help patients obtain complete treatment. Through the drug donation compliance management system, the patient support plan is implemented and managed digitally, helping medical staff, patients and caregivers to obtain the services and assistance of the support plan in a timely manner.
According to different disease areas and patient needs, we will assist in planning patient medication assistance programs:
【early stage】
1) Demand Discussion and Planning
2) Related material design and preparation
3) Standard workflow document formulation
4) Integrated communication across departments
5) Project Promotion and Adjustment
【mid stage】
1) Project Quality Management
2) Document review and control
3) Communication with relevant units
4) special event handling
【Late stage】
1) Compliance retention and archiving of documents and materials
2) Summary and analysis of execution results
In accordance with the needs of individual diseases and planning, assist qualified experts, including experts, nutritionists, and health teachers, etc., and use the positive circulation expert cooperation and management mechanism to assist patients to improve their advice compliance and health education knowledge Improve target settings.
In accordance with the needs of individual diseases and planning, assist qualified experts, including experts, nutritionists, and health teachers, etc., and use the positive circulation expert cooperation and management mechanism to assist patients to improve their advice compliance and health education knowledge Improve target settings.
MEDIA-WIND HEALTH STRATEGIES provided by the License Strategy Consulting Co., Ltd. helps to formulate detailed planning specifications in response to the development of disease needs and market strategies, including experts and their care settings, projects and personnel performance indicators, services, services Projects, etc., from the recruitment, interview evaluation, education and training, performance management, and the performance implementation progress and compliance management of the overall project.
【early stage】
1) Drawing of project specifications (SOW/SOP)
2) Project settings and standard documents and assistive material table designs
3) Related internal and external management system frame connection and settings
4) Recruitment, interview evaluation, education and training, etc.
【mid stage】
1) Instructions for the patients who have collected cases
2) Project execution progress and performance management
3) Regular staff education and training and performance management
4) Regular report delivery and comparison project implementation progress and performance
【Late stage】
1) Compliance retain and archiving of the data of the project document
2) Confirmation of related reconciliation and request information
Provide a installment plan for first treatment and then payment, and use compliance risk assessment methods to assist specific prescription patients at the same time as a medical and disease common decision -making treatment plan. At the same time, there may be other payment methods to facilitate the initiation of the drug purchase treatment.
Help patients face the sudden medicinal costs, which can extend the payment time and soothe the pressure of drug purchase. Therefore, it provides a "self -funded installment project". Through cooperation with the Special Pharmacy, the financial risk model evaluation is conducted for the purchase amount of specific drugs, and Patients with one more payment plan, through multiple periods of allocation, to strive for patients to raise drug costs and do not affect the start time of treatment.
The characteristic description is as follows:
1. Extend the payment period and strive to raise funds time: "Medicine Installation" is aimed at specific project -type drugs, providing the funds for the early stage of medical purchase, and the time for you to raise the cost of treatment. "Pharmaceutical" allows you to extend the payment of payment and reduce the pressure of one payment.
2. Easily handle, speed processing: special person service, online explanation, solve the problems you encountered in your application, and complete the "medicinal stage" application. Quickly review, let you know the results of the audit within three working days.
3. Apply before payment: There is no charge during the application period. After you obtain the drug through the review, pay the payment conditions and time.
4. Online entity, good service: North, Central and South has a special pharmacy bureau for cooperation, so that you can apply at ease and rest assured to buy medicine.
The PAPPAY installment service (PAP) provided by Medi-Loan Fintech, Ltd., in order to help the implementation of the vision of paying before treatment, helping patients plan medical funds, can also start treatment at the same time at the same time. In addition, the treatment of the original family life is kept at the same time. Therefore
【early stage】
1) Cooperation content negotiation
2) Related process design
3) Form file formulation
4) Disting and communication between the Special Pharmaceutical Bureau
【mid stage】
1) Project commentary
2) Credit review review of patients (applicants) who received the case
3) Resource subsidy execution and related connections and communication
【Late stage】
1) Compliance retain and archiving of the data approved case
2) Confirmation of related account information
Assist pharmaceutical factories to plan information with medical staff, establish the best platform for communication with medical staff, and use data to obtain ins -decision -making decisions to achieve business goals.
To meet the digital transformation, you need a smarter digital strategy -Medicine! Medical Communication Medi+KNOW service to establish a medical staff exclusive channel, diverse planning marketing contacts to communicate with medical staff, and comprehensively track digital footprints. Use data to understand users' attention information, formulate future trends and achieve business goals!
Establish an official channel, connect medical channels that are dedicated to the brand, and make various promotions (Tuka, Video, LANDINGPAGE, Customized Web Page ...) to transmit professional medical knowledge according to the marketing period. And the article archives system can divide all medical information in the same class to become a knowledge platform with away. Through the system recorded user digital footprint, comprehensively analyzes user habits, and uses data to formulate future trends and achieve business goals!
Provide traditional media or new media topics strategies to maintain a good interaction with government departments, media relations, medical and disease communities and market systems.
Assist public relations services such as online and offline pharmaceutical activities and public health publicity, and assist in consulting and suggestions for consulting and suggestions of providing demand, providing medical public relations consultants and strategic communication services, assisting in maintaining relationships with the media, and training special press issues.
Since 2006, Caifu integrated marketing specializes in medical media and public issues in pharmaceutical/biotechnology/science education. According to the news planning goals, formulate professional topic strategies and exposure channels, create sound volume, and improve topic exposure.
Provide pharmaceutical factories on health products, care products, medical materials management and e-commerce and marketing services, and provide professional medical channel sales solutions.
MEDIA-WIND HEALTH E-COMMERCE has licenses for sales of drug dealers and medical equipment dealers, and can distribute professional products of pharmaceutical factories. From brand strategy formulation, marketing image formulation, planning execution to online and offline channel layout integrity planning .
International Pharmaceutical Factory Professional Products Brand Management: Brand Marketing Strategy Drawing and Practice, Brand Official Website Management, Members Deepening Management, AE Definition Report; E-commerce marketing operations: advertising, data analysis, sales strategy formulation, multi -channel layout; and line lines; and lines Lower Tong Road layout: Professional medical care institutions, closed -type community operations, corporate group purchase development.
Assist all kinds of institutional units to put the patient welfare plan on the healthy supermarket platform,For patients, check the relevant patient support plan information in one stop.
The company has the well -being plan for the planning for specific patients, but does not know where to accurately put the plan information to the qualified patients? This plan helps the industry partners to quickly find out the disease that meets the indications that meet the indications that meet the indications that meet the indications that meet the indications that meet the indications. Patients, and accurately provide the plan information to the other party. In addition, through blockchain technology, in order to not expose the patient's personal capital, assist in the health and well -being designed for special patients. And through system settings, provide highly accurate marketing channels. Media and exposure provides the plan to provide relevant plan information to patients who meet the relevant indications, as follows: the following three steps:
1) The plan specifications are drafted, and the plan specifications include the plan name, the plan interval, the plan of the plan, the planning of the plan, the plan of the plan and the related icons and the addition, exit, review and the audit. Broadcast information and so on.
2) Receive relevant plan information in the project window will be checked with you (1) and assisted the plan on the shelves through the background.
3) After the patient's medical records obtained by the system assisted the background comparison, the promotion reminded the user to go to the meal and buy it.
"Medical and Diseases" uses blockchain technology to connect health insurance SDK, solve the problem of patient identity authentication, ensure the medical record information of the ownership of the ownership of the health passbook, and then quickly confirm the supporting plan and welfare resources that can be applied for. The service description is as follows:
1) "My Data" download medical record information: Online authorized series of health preservation, download medical record information, eliminates the hospital application time and cost
2) "My Data" creates a healthy passport: Cross -consultation is troublesome, sharing the medical records and medication details with one click.
3) "Health Plan" Welfare Resources: It is like a healthy supermarket and provides a series of health welfare plan information for members.
4) The application for "Health Plan" is simple: One -click censorship wants to apply for a health plan. Through "My Data", identity authentication is used to avoid repeatedly paying the administrative process of the identity document of patients.
Assist patients with blockchain technology media to jointly produce relevant adaptive ethnic groups to provide precise marketing exposure to health plans.
In addition to the health plan, there are focus marketing activities and precise push? Welcome to major brands or colleagues in the industry, such as banks and insurance operators to provide insurance or related marketing plans. And help provide relevant marketing activities to increase the proportion of accurate target groups to join the plan.
Precise marketing is a task that major operators hope to achieve. However, how to find the precise ethnic group has become the biggest dilemma in practice. This plan has been authorized by the blockchain technology to assist patients to help patients bring their relevant medical records information information. Authorized certification to mobile phones, and patients with background media -related adaptive ethnic groups provide precise marketing exposure to health plans.
Provide marketing activities to discuss and match professional marketing consultant strategies.
Whether it is marketing questionnaire filling in, product test drinking and public education publicity, provide you with a one -stop consultation plan to assist you with the local pharmacy and clinics to assist in negotiating the arrangements of media related activities to assist your marketing activities implement.
Sandaron cooperation marketing channel service provides you with the most direct and local marketing service needs, help brands go deep into local clinics and pharmacy, and assist the media to cooperate with various types of medical care, health education, marketing and other opportunities, including various questionnaires to fill in , Product promotion, health education publicity services, etc.
授權串聯健康存摺,手機掌握就診用藥紀錄,
輕鬆取得健康福利計畫!
幫助病患一手掌握藥費資金需求與相關病患資源評估,解決藥費資金缺口問題。
幫助病患面對突如其來的藥費可延長支付時間,舒緩購藥壓力!
授權轉載:Pharmascan 藥廠觀察
財務毒性大多是指因為癌症治療而產生的過度財務壓力,癌症患者決定接受新藥治療的同時,患者面臨的治療費用壓力和負擔成為許多家庭嚴重問題。如何有效減輕財務負擔,降低財務毒性造成的危機,是個值得深思的問題。
隨著科技進步,若可以透過數位工具讓患者能清楚管理個人化的用藥情況,又或是病人能夠透過醫療援助,將負擔甚大的藥費分期繳款,展延資金籌措時間,讓癌症患者治療的同時,也能兼顧維持原有生活品質。綜合解決方案措施能夠幫助藥品公司減少病人的財務負擔,提高藥品的市場競爭力,同時也可以增強藥品公司在病人心目中的形象和信任感,使得醫療三贏的治療環境,這樣做可以有效幫助癌症患者減輕負擔壓力!
財務毒性:癌症新藥─潛伏在白袍底下的隱憂
財務毒性並沒有正式定義,不過大多數指的是因為癌症治療而產生的過度財務壓力,近年來部分癌症雖有慢性病化的趨勢,但仍有許多癌別治療過程需要使用創新的藥物或技術,用於治療這些疾病的新科技通常定價非常昂貴,若是沒有醫療保險,患者不僅要應對治療疾病時帶來的壓力,還需要面對龐大的醫療費用,再再影響生活品質和心理健康,隨著國人餘命延長,癌症治療費用的持續攀升,財務毒性這項議題應逐漸獲得重視。
財務毒性受醫療體系影響
財務毒性的影響程度會隨著國家不同的經濟發展程度、醫療體系、保險與否、個人可支配金額等因素而受到影響,以美國為例,其醫療體系傾向市場化,不是每一個人都能夠有醫療保險,而且各個保險方案不同,個人需要額外負擔金額差異極大,甚至每次收到帳單就像收到法院判決書一樣,看到了才知道需要支付多少金額,承擔能力低的人,就有可能爆發財務危機。
一項研究也顯示,美國民眾需要自掏腰包的費用已經從每個月的1800美元成長至2900美元,而這僅僅只是考量看診費,不包含其他衍生的費用,例如藥品、檢查,除此之外,美國幅員廣大,就醫時尚需要額外承擔交通成本也可能較高,而這也還未包含因看診請假造成的損失。
相反地,台灣的醫療費用有許多項目都由健保買單,而且一直是採取偏社會福利的思維經營,健保不僅給付看診費用也給付多項藥品、手術檢驗費用,與美國相比,一定程度減少了民眾所需承擔財務負擔,相較於美國商業保險可能造就特定族群(種族、經濟弱勢)醫療不平等, 台灣的制度在這方面就相對單純,而且醫療可近性高,取得醫療方便,旅行的距離相對於美國來的更小,理論上財務毒性發生的風險應該較低。
不同國家醫療體系和制度對財務毒性的影響。美國的市場化醫療體系和保險差異可能導致個人面臨更高的醫療財務風險,而台灣的健保制度相對較為完善,減輕了民眾的負擔,降低了財務毒性的發生風險。
全民健保覆蓋率99%的台灣也可能會有財務毒性嗎?
台灣家庭自付醫療費用占比較其他國家高,依照2021年衛福部統計處的NHE報告,台灣家庭自付醫療費用為新台幣4,183億元,佔總體醫療費用1兆4,264億元的29.3%,若是家庭自付費用占經常性醫療保健支出(公部門+企業+家庭自附+私人醫療保險行政管理費),台灣在110年是31%,屬於強制性保險的而且也有全民健保的韓國為26%、德國為11%,儘管數據並無法考量民眾個別從商業保險獲得的給付,實際負擔金額可能更低,但這依然是針對全國民眾所平均下來後的結果,而非針對癌症病人所測量。
台灣目前針對財務毒性的資訊少(歡迎補充),國際間目前對於財務毒性的測量和也還沒有共識,但癌症藥品尤其新藥普遍高價是不爭的事實,給付單位不得不面對巨大的財務壓力,支付高昂的藥品費用,在經費有限的情況下,健保覆蓋範圍限制可能拉高,使得某些患者無法獲得必要的治療,醫療機構也可能面臨困境,導致從事癌症醫療服務的減少。
隨著新治療、檢驗、診斷工具推陳出新,健保經費成長有限下,不見得能夠完全負擔,想要享受新科技,自費是一個方式,但這可能讓財務毒性的風險提升。
儘管台灣擁有全民健保覆蓋率高達99%的優勢,但仍存在可能的財務毒性問題。台灣家庭自付醫療費用占比較其他國家高,且缺乏具體的財務毒性資訊。癌症藥品特別是新藥的高價格對健保支付單位造成巨大的財務壓力。在經費有限的情況下,健保覆蓋範圍可能會限制,造成某些患者無法獲得必要的治療,並導致醫療機構面臨困境。隨著新科技不斷推陳出新,健保經費的增長有限,無法完全負擔這些新技術的費用。雖然個人自費是一種方式,但也可能增加財務毒性的風險。因此,應該關注和解決台灣全民健保制度下的財務毒性問題,以確保人民能夠獲得適切且可負擔的醫療服務。
財務毒性容易出現在這些人身上
財務毒性特別容易出現在特定的癌症患者,包含年紀輕和收入較少的病人,由於年輕患者積蓄相對較少,加上請假治療和身體不適帶來的負面影響亦可能造成額外成本,在日本一項主要針對消化道癌(大腸癌、胃癌、食道癌等等)的調查研究發現,年紀較小或是儲蓄能力較低可能與嚴重財務毒性有關,這也指出財務毒性在年輕族群應格外受到重視。
此外,研究發現那些沒有固定工作或是為了不支付高昂醫藥費,透過拿出積蓄、減少娛樂性支出甚至是乾脆不去領藥、減少藥量的人,財務毒性的嚴重程度可能較高,這也指出財務毒性在年輕族群應格外受到重視。
財務毒性的嚴重程度看似受到個人經濟的因素驅動,但實際而言,癌症種類、疾病嚴重程度、診斷時的年齡、診斷檢驗和藥物是否獲得保險是否給付等等也與財務毒性對個人造成的衝擊有所關聯。
以台灣健保舉例而言,許多肝癌患者被診斷出來時已進入晚期或是末期,這時患者的治療選項就相當有限,化療加上標靶藥物是一個方式,但是這些藥物(或是藥物組合)並不見得對每一個人都有效果,雖然陸續有癌症免疫藥物出現,但是目前因為給付單位認定效果不如預期,已經不給付新病人,想要使用,同樣需要每個月自行籌措數十萬元。
其他癌別如肺癌、泌尿道癌符合特定條件雖有機會獲得給付,但是每年的名額有限,不僅需要檢驗特定的基因,還需要經歷繁瑣的申請流程,即便審核通過,如果服用藥物後一定時間內沒有改善還有可能不被給付,於心情而言對於病人是層層煎熬,而且,病人若想繼續使用,需要自掏腰包。
這樣的財務和心理壓力可能共同迫使患者推遲或拒絕必要的治療,反而使疾病加劇惡化,再再拉高了財務毒性發生風險。這種惡性循環的情況不只可能出現在肝癌,頭頸癌、預後差的轉移性乳癌、和生殖道癌也可能出現。
財務毒性的可能解方?
對於個人而言,想要改善財務毒性打破惡性循環,除了既有健保之外,擁有額外的保險和適當的分期商品是一個方式,有機會能夠緩解財務帶來的負擔。
然而,隨著越來越多新穎又昂貴的醫療科技問世,健保經費在成長有限之下,收載的項目和支付範圍不見得能夠及時跟上國際趨勢,雖然新科技並不一定是最好的治療,也不見得適合每一個患者,但是醫院可以讓患者提前了解治療的成本,提供財務顧問服務,醫師則是可以告知病患在給付範圍內和給付範圍外的治療,其優缺點和可能衍生的財務壓力,提前幫助病人應對。
隨著數位科技進步,使用智慧型手機透過APP去管理個人化用藥情況,將複雜的用藥週期、費用、日期做清楚的呈現,為癌症患者帶來便利生活。
除此之外, 在健保經費有限的情況下,藥品公司若能支持藥費分期制度,讓自費癌症患者透可以過醫療援助方案,將負擔甚大的癌症藥費做分期付款,在治療疾病同時可以維持患病前的生活品質,減輕藥費壓力所帶來的正面心情亦有助於患者本身治療,減少財務毒性發生的良好循環下,藥品公司、醫護人員將無形中獲得正面形象及信賴!
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