"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.
Qian Yi then asked: "What about the elderly after sixty years old? Do doctors just ignore them?"
The people in Kaifeng live a good life, and there are many elderly people over sixty years old. However, Fan Zheng's life insurance is only set at the age of sixty.
All the doctors were silent. Everyone knew that a sixty-year-old man was almost destined to make everyone sick. Doctors would lose money if they insured people over sixty years old.
Fan Zheng looked solemn and thought for a moment before saying: "If a sixty-year-old patient has paid premiums for twenty consecutive years and is not seriously ill, after the age of sixty, he does not need to pay premiums anymore, and the doctor will protect him for life."
Qian Yi smiled bitterly and said: "Now that medical insurance has just been implemented, how can we pay for it for twenty years!"
"Unless they can make up for twenty years of premiums at once, there is no other way. After all, the medical insurance proposed by Fan allows patients to share risks. If they get seriously ill, they will not go bankrupt. Doctors can also alleviate the problem of expensive medical treatment. , if it is only to take care of the elderly over 60 years old, if it uses up the premiums paid by others, it will be equally unfair to other people, and everyone will suffer in the end."
It is not that Fan Zheng has never thought about following the example of later generations and promoting lifelong insurance. However, given the medical conditions of the Song Dynasty, it is probably impossible to achieve this. Being able to take care of a sixty-year-old man is already the current limit of doctors.
Qian Yi wanted to persuade him again. After all, paying premiums for twenty years at a time is not a small amount.
Fan Zheng shook his head firmly and said: "Medical insurance is just a new attempt by doctors. Currently it can only be implemented in Kaifeng City. At the beginning, we still need to be cautious. After all, we have just taken the first step. In the future, as doctors update Only by taking further steps can we cover more people, and then there will naturally be a solution."
Qian Yi thought for a moment and sighed helplessly.
He knew that Fan Zheng was right. They were doctors, not gods. They could not save everyone.
“Life insurance can be implemented!”
Yang Jie nodded solemnly.
With the development of medical skills, medical expenses continue to increase. Insurance is probably the best solution to solve the problem of expensive medical treatment.
Other doctors also nodded and agreed to trial the implementation of life insurance in Kaifeng City. After all, doctors have become prosperous. Even if life insurance loses money, the strength of the doctors is enough to bear the risk.
Seeing this, Fan Zheng suggested again: "Insurance has a lot to offer! In addition to normal illnesses, there are also various accidents. Kaifeng City is now implementing compulsory education throughout the city. If doctors and public schools cooperate to launch accident insurance, it only takes five For ten cents, no matter what kind of accident happens to the child while he is in elementary school, the doctor will be responsible for treating him."
Accident insurance is also a major type of insurance in the future, especially accident insurance for children, which is cheap and affordable and widely welcomed by the public.
"This method is very good."
Many imperial doctors nodded and said.
As soon as the city-wide compulsory education was introduced, a large number of school-age children were sent to public schools. It was inevitable that there would be bumps and bumps, and parents were worried. If doctors took advantage of the trend and launched public school accident insurance to cooperate with the city-wide compulsory education, it would be enough for public schools, The hospital and parents benefited.
There is a life-long protection of pearls and jade in front of me, and the accident insurance has been successfully passed.
Fan Zheng did not finish, but continued: "Speaking of accidents, the biggest accident in Kaifeng City is the fire! Everyone knows about the fire in Rongguo Palace!"
"Fire in Yeongwang Palace"
The doctors couldn't help but take a breath of cold air. They had naturally heard of the famous Rongwang Palace fire in Kaifeng City.
King Rong was the eighth son of Zhao Guangyi, named Zhao Yuanyan, who was the prototype of the Eight Wise Kings in later generations. The maids in his palace planned to elope and set fire to cause an accident. As a result, a fire in the palace almost burned up the royal treasury, leaving Zhao Guangyi to stay. His family fortune was destroyed in one fell swoop.
Fan Zheng solemnly said: "This is true even for the royal family, let alone among the people. A fire can almost destroy a person's family property. Most of the houses in Kaifeng City are made of wooden structures. A fire may destroy the entire street. To be buried in fire."
"You mean doctors can still introduce fire insurance?" Su Dun's eyes flashed, and he instantly understood what Fan Zheng meant.
"Why not! The most important thing in a person's life besides life is wealth, and the most valuable thing in Kaifeng City is the house. If the insurance insures the house, you only need to pay a small amount of money to keep all your wealth. If it were you , would you agree?" Fan Zheng's eyes flashed and he looked at Qu Langzhong and said.
Mr. Qu was shocked when he heard this. He had spent his whole life and finally got a house, so he naturally regarded it as a treasure. He nodded without hesitation and said: "Qu knows how to invest. After all, even if Qu thinks he is cautious, he can't protect others." Houses caught fire. Last year, a fire broke out in the Xiangguo Temple area of Kaifeng City. It happened to be hit by strong winds, burning two streets, burning countless houses, and setting countless people's lives on fire."
Other doctors are also worried. There are many wooden structures in the houses in Kaifeng City, and there are even many thatched houses. In addition, they make fires for cooking in the houses, and there are constant fires every year.
It would be fine if it was discovered in time, but if it was discovered late, not only would the house not be saved, but even people would probably die in the flames. What is even more tragic is that if there is a strong wind and other people's houses are set on fire, the whole family may be ruined. Can't afford to pay.
"So fire insurance will definitely be very popular in Kaifeng City." Fan Zhengyan said firmly.
Kaifeng City has a population of more than one million, and the rooms are packed in rows. Coupled with the fact that most of the buildings are made of wood, a fire would be extremely harmful.
After all, no one knows whether a fire will happen to them, and it is impossible for a fire to burn down the entire city of Kaifeng at the same time. If doctors promote fire insurance, the risk will be equally shared among the people in the city, and only a small amount of money will be needed. You can keep your property safe and sound. I believe many people will join in.
"The Essence of Insurance Insurance is essentially an act of mutual aid. Individuals cannot cope with sudden disasters based on their own abilities, which often results in the loss of a family. With insurance, if one person's loss is shared by everyone, everyone will do it for me, and I will do it for everyone. Only then can we get through the difficulties." Fan Zheng said loudly.
"One person's loss is shared by everyone!"
“Everyone for me, and me for everyone!”
All the doctors were immediately touched.
Even Yang Jie and others looked at Fan Zheng in amazement.
Fan Zheng said again: "This is the inspiration that Fan got from his ancestors who founded Fan's charity village. Fan's charity village is full of children of the Fan family and neighbors. In addition, the charity village established by the ancestor is shared by all the children of the Fan family." , it is natural to help each other, but in the city of Kaifeng, people do not belong to one clan and one surname, and it is impossible for everyone to work for one and one for everyone."
"Doctors are prosperous and have a steady stream of income. They have sufficient credibility and sufficient funds to pay compensation. It is the best choice to promote insurance. This is both an opportunity and a responsibility for doctors."
Fan Zheng said solemnly in front of a group of doctors.
"Medical insurance, accident insurance, fire insurance?"
Qian Yi carefully considered Fan Zheng's insurance policy and couldn't help but nod slightly.
All the doctors looked at each other and nodded. The doctor can be regarded as a middleman, a middleman that everyone can trust, so as to protect the lives and property of the people in Kaifeng. So far, only doctors can do this. heavy responsibility.
(End of chapter)
