血液病是造血系统异常引发的疾病。在临床上常见的有白血病、再生障碍性贫血、骨髓增生异常综合征、血小板减少症、淋巴瘤、血友病、地中海贫血等。由于治愈难度大，其中很多种血液病被人们绝望地称为“不治之症”。

Blood is the hematopoietic system anomaly caused by the disease.In common with leukemia/Aplastic anemia/Myelodysplastic syndrome/Thrombocytopenia disease/lymphoma/hemophilia/The Mediterranean anemia.Because cure is difficult,Among them are many kinds of blood has been called in despair"An incurable disease".

　　在关注血液病治疗的同时，难免总会让人联想到相关的治疗费用。因为这涉及了一个家庭的经济支付能力，也影响着整个家庭未来的生活质量。在我们报道过的那些故事背后，每一个都有因治疗而债台高筑、千疮百孔的家庭财政状况。少则几十万，多则近百万，这些巨额的治疗费都花在哪里了？除了医保、新农合等政府出台的惠民措施外，还有哪些“救命稻草”？记者为您细细算一算。

In pay attention to the treatment of blood at the same time,Is always lets a person associate to the relevant treatment costs.Because it involves the ability to pay a family economy,Also affects the whole family's quality of life in the future.We reported the story behind,Each has racked up by treatment/"The hole of the family finances.Less is hundreds of thousands of,How is nearly,Where did these huge treatment of spent?In addition to the medical insurance/New farming and close huimin measures issued by the government,What other"straws"?Reporters carefully calculate for you.

　　

走近夏夏 Approached XiaXia

　　

入院首月花费超6万 Advance hospital cost over 60000

　　夏夏被确诊为再生障碍性贫血后，她的治疗费用引起了亲友、同学、老师的极大关注。

XiaXia after being diagnosed with aplastic anemia,Her treatment costs caused the relatives and friends/The students/The teacher's attention.

　　夏夏的同班同学王娟文回忆说，夏夏自感身体不适后曾到校医院就诊。当时，校医院的大夫告诉夏夏，她的病不是上火那么简单，建议她立即转院检查。后来，时隔不久，几位同学陪着夏夏来到了北医三院。从检查到确诊，前后历经了两个多星期，就是夏夏住院的这段日子，班上的其他同学才感到了异样。“她是我们班上课最积极的学生，老师提问时她都抢着回答。她住院的这段日子，大家才注意到她不在班里。”王娟文说，夏夏的病情确诊后，班里就开始积极为她筹办募捐的事宜。

XiaXia classmates WangJuanWen recalls,XiaXia feel ill after school hospital.At that time,The school hospital doctor told XiaXia,Her illness is not fire so simple,Suggested that she immediately upon relocating.later,Shortly after,Several classmates accompany XiaXia came to hygienists use.From the inspection to the diagnosis,Before and after more than two weeks,Is XiaXia in hospital these days,The rest of the class didn't feel strange."She is the most active students in our class,When a teacher asks a question she rob to reply.She in the hospital these days,Everyone noticed she is not in the class."Wang said,XiaXia condition after diagnosis,Began to actively organize fundraising for her in the class.

　　夏夏的堂哥李冬雪说，夏夏享有大学生公费医疗，住院以来，她前前后后的治疗花费已经达到了6万元。这里面有家中仅存的3万元钱，其余的部分，是学校及时伸出援手垫付的。“夏夏虽然有公费医疗，但在没有社会捐款前，她要承担很大一部分自付费用，所用的一些昂贵药品，也不在公费医疗的目录中。她病情加重后，医生建议她进行ATG药物治疗和骨髓移植，这两项都是自费项目，总额至少二三十万元。”

XiaXia cuz LiDongXue said,XiaXia enjoy college students medical insurance,In the hospital since,Her whole treatment cost has reached 60000 yuan.There are only 30000 yuan in the home,The rest of the part,Is the school on behalf of the owner of the timely help."XiaXia despite medical treatment,But before the social donation,She wants to take a large part of expense,Some of the expensive drugs used,Also not in the catalogue of the medical treatment.After her illness,The doctor advised her to ATG drug therapy and bone marrow transplantation,These two are chargeable,At least 20 $ten thousand total."

　　医学专家对此表示，情况确实如此。血液病的治疗花费与患者所选择的治疗方式有直接关系。拿血液病中较常见的白血病来说，化疗是最传统的一个方法，一般一个疗程的花费从几千元到几万元不等，但是这种治疗方法会对身体造成损害，并且复发率高；造血干细胞移植的治疗效果就要好很多，但这种治疗方法费用高，通常要30万元左右，一般的工薪家庭难以承受，这也是不少患者放弃这个方法的原因。

Medical experts expressed,case.Blood spend with the patient in the treatment of a direct relationship between the treatment of choice.Take blood is more common in leukemia,Chemotherapy is one of the most traditional methods,Generally the cost of a course from thousands of yuan to tens of thousands of yuan,But this kind of treatment will cause damage to the body,And the recurrence rate is high;Hematopoietic stem cell transplantation in the treatment of the effect will be much better,But the high cost of the treatment,Usually take 300000 yuan,The general working families unbearable,This is the reason for many patients to give up the methods.

　　夏夏所在的汉语言文学系三班班主任张蔚老师说，夏夏住院后，全校师生一直在关注着她的病情。截至目前，捐款总额已超过42万元，这些钱将全部用于夏夏的治疗。张老师表示，虽然学校有公费医疗，对一般疾病来说，通常情况下学生自付的部分极少，但像夏夏这样，一旦遇到特重大疾病，一人致病则全家致贫。就在不久前，学校为此还专门成立了“学生大病紧急救治基金”。该基金是学校向社会募集而来的，目的就是为了解决特重大疾病学生的治疗费用难题。

XiaXia in the Chinese language and literature class head teacher ZhangWei teacher said,XiaXia hospitalization after,The entire school teachers and students have been concerned about her illness.Up to now,Total has more than 420000 yuan,All these money will be used for XiaXia treatment.Teacher zhang said,Although the school have medical insurance,For common diseases,Normally student pays part of the few,But like XiaXia,Once meet, major disease,One cause is the family become financially.Only a short time ago,Still specially set up for school"Student fund for emergency treatment of a serious illness".The fund is to raise school to the society,Purpose is in order to solve the major disease, the treatment problems of students.

　　

救助现状 Aid situation

　　

申请救助有限制条件 Apply for aid has constraints

　　大病救助需要社会公益慈善组织发挥更大的作用。但是，如何申请这些慈善救助？公益项目对申请人又有什么样的条件限制？

Relief of a serious illness need to social charity organizations play a bigger role.but,How to apply for the charity relief?Public welfare project of the applicant and what kind of conditions?

　　近日，记者拨通了本市多家慈善组织的咨询电话。记者发现，像夏夏这样来京就读的师范学生，异地申请救助项目受制约的条件颇多。

recently,Reporter dialed the telephone consultation of this city many charitable organization.Reporter discovery,Like XiaXia laborers in normal students,The condition of different application programs are restricted.

　　比如，北京市红十字基金会旗下的“北京市少儿大病救助基金”，是为救助北京市贫困家庭的大病患儿而设立的专项公益基金。根据官网介绍，它可用于白血病、肾衰竭、恶性肿瘤等大病学生、儿童的医疗救助。但它只针对北京市户籍的少年儿童，而且，年龄要求在零到18周岁间。这两项“硬性”规定，19周岁的夏夏都不符合。

Such as,Beijing Red Cross foundation's"Beijing children's serious illness relief fund",Is to help the poor families of children with a serious illness and Beijing to set up the special public welfare fund.According to the website to introduce,It can be used for leukemia/Kidney failure/Malignant tumor, a student/Children's medical treatment.But it is only for the registered permanent residence of Beijing young children,and,Age requirement between zero to 18 one full year of life.The two"rigid"Provisions of the,Summer summer does not comply with under the age of 19.

　　在记者咨询的十余家慈善组织中，有的是专项救助基金，只治疗某一项疾病。比如北京世纪慈善基金会，针对乳腺癌的治疗救助；北京春苗儿童救助基金会，救治的是患有先心病的贫困儿童……有的对病种虽无明确要求，但却严格限制户口所在地。如，北京妇女儿童发展基金会和各区县慈善协会。

More than ten charity organization consulting the reporters,Have a plenty of special relief fund,Only for a certain disease.Such as Beijing century charitable foundation,To aid in the treatment of breast cancer;Beijing ChunMiao children relief fund,Treatment is with FCHT of poor children...Some of diseases even though no specific requirements,But strictly limited seat of registered permanent residence.Such as,Each district and county of Beijing development fund for women and children and charity.

　　夏夏的班主任张老师告诉记者，通常外地大学生进京就读后，户口可随迁至本校。但夏夏属于免费师范生，她的户口是否迁至北京要看她本人的意愿。

XiaXia teacher in charge teacher zhang told reporters,Usually outside Beijing college students after school,Registered permanent residence can SuiQian to the school.But XiaXia belong to free normal,Her account is moved to Beijing to see her own will.

　　夏夏的堂哥也向记者证实，夏夏的户口至今都在老家，并未迁到学校。家里人还专门咨询过老家当地的有关部门，新农合能报销多少钱，但结果让大家都颇为失望。“工作人员答复说，不管什么疾病，最多只报销3000元。而且像夏夏这种病，能不能报销，现在还说不好。”

XiaXia cousin also confirmed to reporters,XiaXia account so far are in their hometown,Do not move to the school.Family also specially consulted a hometown the local relevant departments,New farmers and how much money can submit an expense account,For everyone but the result is disappointed."Staff reply said,No matter what disease,Submit an expense account only at most 3000 yuan.And like XiaXia the disease,You can submit an expense account,Now say is not good."

　　李冬雪说，有一个好消息是，这两天学校将北京新阳光慈善基金会的申请表给了他，这家基金会专门帮扶救治白血病这样的血液病。他打算替夏夏申请该基金，用于她接下来的治疗。

LiDongXue said,There is a good news,This two days school will Beijing new sunshine gave his charitable foundation of the application form,The foundation specially blood supporting treatment of leukemia.For XiaXia he intends to apply for the fund,For the treatment of her next.

　　专家提示：民政部门的救助是大病救助过程中重要的一个环节。但由于各慈善机构数量多、公益项目种类多、针对性不同、宣传不到位等因素，造成了公众认识不多，遇到特重大疾病时，不知该向哪个组织申请救助。一旦遇到困难，市民申请大病救助前，可先致电各大基金会咨询详情。

Expert clew:Civil affairs department of aid is an important link in the process of relief of a serious illness.But due to various charities quantity/Public welfare project type/Targeted different/Propaganda is not in place,Caused the public recognition,When you meet the major disease,,I do not know to which apply for relief.Once you meet with difficulties,Citizens apply for relief of a serious illness,Can call first major foundation advisory details.

　　

新闻延伸 News extension

　　

“大病医保”新政亮相 "A serious illness medical insurance"New appearance

　　近日，中国社科院金融研究所发布的《金融蓝皮书》指出，长期以来，国内的大病开支一直是老百姓经济上最大的问题之一，尤其是农村贫困与偏远地区，迫切需要大病保险这样的工具帮助得大病的城乡居民渡过经济难关。

recently,Issued by the Chinese academy of social sciences financial institute[Financial blue]Pointed out that,For a long time,Domestic spending has always been a people of a serious illness in economy one of the biggest problem,Especially the rural poor and remote areas,Urgent need of a serious illness insurance such tools to help get a serious illness of urban and rural residents through the economic difficulties.

　　2012年8月30日，国家发改委、卫生部等六部委联合发布的《关于开展城乡居民大病保险工作的指导意见》(以下简称《意见》)，提出未来城镇居民医保基金、新农合基金中将划出一定比例向商业保险机构购买大病保险。这也意味着，由政府主导、商业保险机构承办的大病医保制度全面铺开。

On August 30, 2012,The national development and reform commission/The ministry of health and so on six ministries jointly issued[Guiding opinions on carry out the work of a serious illness insurance of urban and rural residents](Hereinafter referred to as the[opinion]),Put forward the future urban residents medical insurance fund/New farming fund will close a certain proportion of a serious illness insurance to commercial insurance institutions.This means that,Dominated by the government/Commercial insurance institutions for medical insurance system comprehensively launches of a serious illness.

　　《意见》强调，各地要合理确定大病保险补偿政策，实际支付比例不低于50%。此外，各地通过政府招标选定承保大病保险的商业保险机构。符合基本准入条件的商业保险机构自愿投标，中标后承担经营风险，自负盈亏。招标人应与中标商业保险机构签署保险合同，合作期限原则上不低于3年。

[opinion]Emphasis on,From a serious illness insurance compensation policy should be determined rationally,Actually paid no less than 50%.In addition,All through the government tender selected cover a serious illness insurance of commercial insurance institutions.Conforms to the basic access conditions of commercial insurance institutions willing to bid,When the business risk,-.The tenderer and the winning commercial insurance institutions signed the insurance contract,Period not less than 3 years in principle.

　　北京的情况又如何？此前，本报记者从市人力社保局获悉，目前本市正在进行调研，计划完善大病医疗保障制度，建立重特大病的补充医疗办法，重点解决患恶性肿瘤、白血病、器官移植等若干重大疾病参保人员在基本医疗保险制度内医疗费用负担重的问题。这项政策有望于今年出台。

How about Beijing?The previous,Our reporter from the city human social security bureau learned that,Now the city is undergoing investigation,Plan to perfect the medical security system of a serious illness,A great of compensatory medical treatment method,Focus on malignant tumor/leukemia/Organ transplantation some major disease such as ginseng protect personnel in the basic medical insurance system for medical expenses burden.The policy is expected to come this year.

　　据市人力社保局负责人透露，这项政策的初步设想是在参保人员已经缴存的社会保险基金中拿出一部分钱，形成一个基金，然后用这笔基金购买保险公司的商业医疗保险。患有重大疾病的参保人员医疗费用超过起付线之后，首先享受基本医疗保险的报销，减轻一部分负担之后，再通过商业医疗保险进行一个“二次报销”。

According to the human social security bureau officials said,This policy is the primary ideas of in ginseng protect personnel have the lunar capture of the social insurance fund in the take out part of the money,To form a fund,Then use the funds to buy the commercial medical insurance of the insurance company.With major disease of ginseng to keep staff medical expenses than after the starting line,First of all, enjoy the reimbursement of insurance of primary medical treatment,Reduce the part of the burden,Through a commercial medical insurance again"Second time to submit an expense account".

　　目前正在调研的重大疾病包括恶性肿瘤、肾透析、白血病、血友病等11种特殊病种。

Currently research of major disease including malignant tumor/Kidney dialysis/leukemia/Such as hemophilia 11 kinds of special disease.

　　念念妈妈的账单 Ci mother's bill

　　第一次化疗76000元。

Chemotherapy is 76000 yuan for the first time.

　　第二次化疗18000元。

The second chemotherapy 18000 yuan.

　　第三次化疗23000元。

The third chemotherapy 23000 yuan.

　　第四次化疗87000元，因为感染，输消炎药，一下子多花了近6万元。

The fourth chemotherapy 87000 yuan,Because of the infection,Lose antiphlogistic medicine,All of a sudden spend nearly 60000 yuan.

　　第五次化疗是在北京进行的，花费为37000元。

The fifth chemotherapy is in Beijing,Cost is 37000 yuan.

　　第六次化疗，2万元。

Sixth chemotherapy,20000 yuan.

　　第七次化疗，28000元。

The seventh time chemotherapy,28000 yuan.

　　第八次化疗，27000元。

Eighth chemotherapy,27000 yuan.

　　期间，因为准备做造血干细胞移植，念念又是独生子女，陈丽琼选择了去中华骨髓库寻找合适的配型。双方的初步体检为每人3100元，进一步的精细配型检查费用为2万元，而这部分配型的开销并不属于医保报销范围之内。除了住院，在化疗出院的间隙，念念还要进行相应的检查，每次费用都在数百元不等。自从到了北京之后，这部分门诊就医费用无法实现报销。除此以外，因为进行化疗，念念还需要输血小板和血红细胞，这部分费用也无法报销，每次的花销在500元到1000元不等。

During the period,Because doing for hematopoietic stem cell transplantation,Ci is the only child,ChenLiQiong chose to go to the Chinese 骨髓库 looking for suitable matches.Both sides of the preliminary examination for 3100 yuan per person,Further fine hla-creg inspection fee is 20000 yuan,But the expense of the FenPeiXing does not belong to the scope of coverage.In addition to the hospital,In the discharge of chemotherapy,Ci will check accordingly,Every cost in hundreds of dollars.Since came to Beijing,This part of the medical expenses cannot achieve.In addition to,Because of the chemotherapy,Ci need lose red blood cells and platelets,This part of the cost also is unable to submit an expense account,Every time the cost of ranging from 500 yuan to 1000 yuan.

　　12月29日，念念进仓，手术押金为20万元，而陈丽琼和丈夫都要进行造血干细胞配型的相关检查。俩人的查体费用为每人8000元，而抽取造血干细胞的费用，双方加起来需要4万元左右。

On December 29,,Ci into the warehouse,Surgery deposit is 200000 yuan,And ChenLiQiong and her husband to take of hematopoietic stem cells related inspection.Two people of the cost of screening for 8000 yuan per person,And from the cost of hematopoietic stem cells,Both sides need to add up to 40000 yuan.

　　目前，念念前四次的化疗报销额度为61000元，但钱还没有下来，需要陈丽琼一家耐心等待。后面的四次化疗因为是在北京进行的，所以如何报销，陈丽琼还不太清楚。

At present,,Ci four times of chemotherapy reimbursement amount is 61000 yuan,But the money haven't come down,Need to ChenLiQiong a patience to wait.Behind the four chemotherapy because it is in Beijing,So how to submit an expense account,ChenLiQiong are unknown.

　　为了救治念念，陈丽琼不得已向亲友及社会求助帮忙，并将自家的房屋变卖，共筹集款项66万元。但是念念进仓之后，这部分钱已所剩无几。截至目前，念念进仓后的花销已经有10余万元。（记者李环宇 刘琳 ）

In order to cure ci,ChenLiQiong compelled to seek help from friends and family and the society for help,And will sell his house,Raising money 660000 yuan.But after pronouncing into the warehouse,The money has already left.Up to now,Ci has been into the warehouse after spending more than 10 ten thousand yuan.(The reporter li huanyu LiuLin )