"Medicare?"

The doctors looked at each other, they were also well-informed figures, they understood medical treatment, but they didn't understand what Fan Zheng's so-called insurance meant?

Fan Zheng explained: "Insurance is to help each other and avoid risks, for example, if a person is sick, the money needed to spend about 1,000 yuan, if there are 1,000 people, each person only needs one penny, which is enough to raise the required medical expenses, so that people can enjoy a thousand times the income by spending a penny." ”

"But how can these 1,000 people who are not relatives be willing to pay for a person to see a doctor." Su Dun frowned.

He was in charge of forensic medicine, and he was used to seeing the dangers of the world, and he did not believe that anyone was willing to pay for others to see a doctor for no reason.

The other healers nodded their heads.

Fan Zheng smiled slightly and said: "If these thousand people agree in advance: each person will pay one penny, if anyone is sick, the thousand pennies will be used to treat one of them, and the sick can spend money to recover, and the unsick will be healthy, wouldn't everyone be happy." ”

"Ahh What else can it be? ”

A group of doctors exclaimed.

They pondered it and found that this method was indeed theoretically feasible, after all, each person only needed to contribute a small amount of money, and everyone could afford it. With very little money, you can buy peace and ensure that your illness will be cured.

"Insurance, risk avoidance! Sure enough, the words are as good as their name. Yang Jie said excitedly.

He was the first to be alert about the gradual increase in medical costs, but the increase in medical expenses was accompanied by the continuous improvement of medical skills, and more and more diseases could be cured, which was an inevitable increase in costs, and he was helpless.

Now, although Fan Zheng's insurance method is evil, it is extremely effective, and if the people can afford the 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 seriously ill, even a thousand Wen won't help," Qian Yi shook his head and said.

Before the doctor's change, there were very few diseases that cost thousands of words, and of course the cure was slow, but now after the doctor cracked Hua Tuo's mastery, as long as it was a disease that needed to go to the operating table, there was no less than a thousand, and some of the diseases were complicated and even required more costs. ”

Fan Zheng smiled and said: "A thousand wen for a serious illness is not enough, what about a thousand yuan?" Is it enough? ”

"A thousand?"

Suddenly, all the doctors exclaimed, if they used a thousand yuan to see a doctor, even if they had a lot of money, they would not be willing to do it.

A thousand yuan is a million dollars, and there are a lot of family properties worth millions in Kaifeng City, but there are not many who can take out millions of dollars, and there are very few people who are willing to spend millions of dollars to see a doctor.

"Fan is going to formulate an insurance, called Lifetime Insurance, pay 1,000 yuan a year, and during the insurance period, if you unfortunately get a serious illness, you can get a reimbursement amount of 1,000 yuan in the hospital, so that even if it is the most serious disease, there is enough money and information." Fan Zheng said solemnly.

Let the patient spend 1,000 yuan to cure the disease, I am afraid that few families can hold it, if it costs 1,000 yuan, it is enough to get 1,000 yuan to cure the disease, I am afraid no one can refuse.

"Guaranteed for life!"

After all, it was the first time they had heard of the concept of insurance, and they had a good idea of the so-called insurance in their hearts.

"If someone doesn't pay when he is young, and deliberately waits until he is seriously ill in old age to pay the money, then the doctor will not suffer a blood loss." Su Dun frowned.

The other healers nodded their heads,

As we all know, everyone can't escape birth, old age, sickness and death, when you are young, you are the strongest and not suitable for getting sick, and when you are old, you are weak and the group that is most likely to get disease.

If the doctor is asked to bear the medical expenses of the elderly in the world, even if there is a thousand yuan paid by the elderly, the doctor will not be able to afford it at all.

"In addition to the elderly, infants and young children are also the most likely to get sick, and the implementation of medical insurance is quite risky." A physician objected.

Fan Zheng nodded and said: "There is indeed this possibility, you are all doctors, the probability of the baby is more probable, as it grows, when it is twenty years old, the probability of disease will reach the minimum, but as the age grows again, the probability of disease will become greater and greater, until the disease finally grows old." ”

A group of imperial doctors nodded one after another, this is the trajectory of a person's physical health throughout his life.

Fan Zheng continued: "However, babies also have a healthy life, even the elderly at the age of 60 have a healthy walker, and the healthiest 20-year-old also has the risk of disease, such as appendicitis and so on, it is not that insurance is not needed, so the cost of life insurance is the same, according to the risk probability of disease to pay insurance premiums." ”

"Pay according to the probability of disease risk?"

Qian Yi nodded slightly, this method is also acceptable.

Fan Zheng continued: "For example, a one-year-old baby can be insured, as a care for the baby, only 500 wen a year is charged, as it grows up and gets stronger and stronger, the premium will decrease year by year, and when it is 20 years old, the premium will reach the lowest, only 200 wen a year!" It then increased year by year, until he reached the age of 60 and reached a maximum of 1,000 yuan per year! ”

What Fan Zheng did was not to make money, but for the further development of the doctor, and did not choose the expensive and deceitful black-hearted dividend insurance in later generations, but the most affordable medical insurance paid annually.

"This is good law!"

Yang Jie nodded solemnly,

With only a small amount of money, he can get a lifetime of peace, no more than a few hundred wen a year, and the highest is only a thousand yuan, but he can enjoy thousands of premiums, and he believes that there will definitely be people who will come in droves.

Other doctors also nodded their heads, and the most important method is to make up for the crisis of increasingly expensive medical treatment costs for doctors to the greatest extent.

Moreover, with insurance, patients will no longer give up medical treatment for huge medical expenses, which will increase the opportunity for doctors to contact incurable diseases, which will further improve the medical skills of doctors.

"What if someone doesn't usually take out insurance, but only when they get sick?" Su Dun asked again.

Fan Zheng explained: "There is indeed this kind of insurance fraud, and the doctor can stipulate that it does not take effect immediately after applying for insurance, and the first year of insurance requires a physical examination in the hospital to confirm that there is no medical history, and it can only take effect after three months, and then as long as the insurance is applied on time every year, there is no need for a three-month inspection period." ”

"Three months is the right time!"

Su Dun saw that Fan Zheng had already taken a countermeasure, and nodded slightly.

Many diseases have a rapid onset, and if you find out that you are sick, you will be unable to wait for three months, but it will be too late.

"If one person gets sick, how can he prevent it by borrowing someone else's insurance for treatment?" A physician once again proposed an insurance fraud.

"Fingerprint method!" No need for Fan Zheng to answer, Su Dun said proudly.

"Fingerprinting?"

The doctors suddenly realized that everyone's fingerprints are unique, and as long as the fingerprint law is strictly enforced, it will definitely be able to make insurance fraud nowhere to hide.

Fan Zheng nodded and said: "All insurances must be in triplicate, one for the policyholder, one for the hospital, and one for sealing, so that even if one is lost or damaged, it will not have much impact." ”

Su Dun nodded slightly, the fingerprint method is what forensic doctors are good at, and he will definitely make the act of borrowing other people's insurance nowhere to hide.

Qian Yi then asked, "What about the old man after the age of sixty?" Could it be that the doctor just ignored it? ”

The people in Kaifeng City live a good life, and there are many elderly people over the age of 60, but Fan Zheng's life is only set at the age of 60.

Everyone knows that the 60-year-old is almost destined to get sick, and if the doctor covers the elderly over 60 years old, he will lose money.

Fan Zheng pondered for a moment with a solemn face and said: "If it is a 60-year-old patient, as long as he has paid premiums for 20 consecutive years and has not become seriously ill, after the age of 60, he does not need to pay any more premiums, and the doctor will protect him for life." ”

Qian Yi smiled bitterly: "Now that medical insurance has just been implemented, how can I pay for 20 years!" ”

"Unless they can make up the premiums for 20 years at once, there is no way, after all, the medical insurance proposed by Fan is to let patients share the risk, if they get seriously ill, they will not go bankrupt, and the doctor can also reduce the difficulty of seeing a doctor, if it is only to take care of the elderly over 60 years old, if it uses up the premiums paid by others, it is also unfair to others, and then everyone will suffer in the end."

Fan Zheng did not want to emulate later generations and advocate lifelong insurance, but with the medical conditions of the Great Song Dynasty, I am afraid it is impossible to achieve it, and being able to take care of the old man who is sixty years old is already the current limit of the doctor.

Qian Yi still wants to persuade again, after all, paying premiums for 20 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, at present 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 the doctor goes further, in order to cover more people, there will be a natural solution." ”

Qian Yi pondered for a moment and sighed helplessly.

He knew that Fan Zheng's idea was right, they were healers, not immortals, and it was impossible to save everyone.

"Lifetime guarantee can be implemented!"

Yang Jie nodded solemnly.

With the development of medical technology, medical costs continue to increase, and insurance is probably the best solution to solve the high cost of medical treatment.

Other doctors also nodded and agreed to try to implement lifelong insurance in Kaifeng City, after all, the doctor has already prospered, even if he loses money for a lifetime, with the strength of the doctor, he can be enough to take the risk.

Seeing this, Fan Zheng proposed again: "Insurance is promising!" In addition to the normal illness of people, there are all kinds of accidents, now Kaifeng City is implementing the city's compulsory education, if the doctor and the public school cooperate, the introduction of accident insurance, only 50 yuan, the child in the school period, no matter what kind of accidents, are responsible for the treatment of the doctor. ”

Accident insurance is also a major type of insurance in later generations, especially for children, which is cheap and affordable, and is widely welcomed by the public.

"This law is a great good."

Many imperial doctors nodded and said.

As soon as the city's compulsory education comes out, a large number of school-age children are sent to public schools, and it is inevitable that there will be bumps and bumps, and parents are not at ease.

There is a lifetime of pearl in front, and the accident insurance has also passed smoothly.

Fan Zheng didn't finish, but continued: "Speaking of accidents, the biggest accident in Kaifeng City is the fire!" You know about the fire in Rongguo Palace! ”

"Yeongwang Palace Fire"

A group of doctors couldn't help but gasp, they were in Kaifeng City, and naturally heard of the famous Rongwang Palace fire.

King Rong is Zhao Guangyi's eighth son, named Zhao Yuanyan, that is, the prototype of the later Eight Sage Kings, and his palace maids were ready to elope and set fire to create an accident, which caused a fire in the palace, almost burning the royal treasury, and destroying the family left by Zhao Guangyi.

Fan Zheng said solemnly: "The royal family is still like this, not to mention the people, a fire can almost destroy a person's family business." Most of the houses in Kaifeng City are wooden structures, and if a fire is a fire, I am afraid that the entire street will be burned to the sea. ”

"You mean doctors can also offer 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 is wealth, and the most valuable thing in Kaifeng City is the house, if the insurance is insured for its house, as long as you pay a small amount of money, you can keep all your net worth, in exchange for you, will you agree. Fan Zheng's eyes flashed, and he looked at Qu Lang Zhongdao on the side.

Qu Langzhong was shocked when he heard this, he spent his whole life, and finally had a house, which he naturally regarded as a treasure, and nodded without hesitation: "Qu will vote, after all, even if Qu thinks he is cautious, it is difficult to ensure that other houses are on fire, last year there was a fire in the area of Xiangguo Temple in Kaifeng City, and it happened to encounter a strong wind, which burned two streets and burned countless houses, and hundreds of people continued to burn in their lives. ”

Other doctors are also apprehensive, there are many wooden structures of houses in Kaifeng City, and there are even many thatched houses, plus they are all in the houses, lighting fires for cooking, and fires continue every year.

If it is found in time, it is fine, if it is found late, not only can the house not be saved, I am afraid that even people will die in the sea of fire, and what is even more tragic is that if it encounters a windy day and ignites other people's houses, I am afraid that the poor family will not be able to afford to pay for it.

"Therefore, fire insurance will definitely be very popular in Kaifeng City." Fan Zheng said conclusively.

Kaifeng City has a population of more than one million, and the rooms are lined up one after another, coupled with most of the wooden structures, which is extremely harmful in the event of a fire.

After all, no one knows whether the fire will happen to them, and the fire cannot burn the entire Kaifeng City at the same time, if the doctor implements fire insurance, in this way, let the people of the city share the risk equally, only a small amount of money can make their property safe, I believe there will be many people to join.

"The essence of insurance insurance is essentially a mutual aid behavior, with the ability of individuals, simply unable to deal with sudden disasters, often resulting in the destruction of the family, with insurance, a loss, everyone shares, everyone for me, I for everyone, in order to tide over the difficulties." Fan Zhenglang said.

"One person's loss, everyone shares!"

"All for one, one for all!"

The doctors were immediately impressed.

Even Yang Jie and the others looked at Fan Zheng in amazement, they

Fan Zheng said again: "This is the inspiration that Fan got from the ancestor to establish Fan's Yizhuang, Fan's Yizhuang is all the children of the Fan family and neighbors, plus the Yizhuang run by the ancestors is shared by all the children of the Fan family, and it is natural to help each other, but in Kaifeng City, it is not a person with one family name, and it is impossible to achieve everyone for me and me for everyone." ”

"The prosperity of the doctor, and the continuous income, both sufficient reputation, and enough funds to pay, is the best choice to implement insurance, which is not only the opportunity of the doctor, but also the responsibility of the doctor."

Fan said solemnly to the group of doctors.

"Medical insurance, accident insurance, fire insurance?"

Qian Yi pondered Fan Zheng's insurance policy carefully, and couldn't help nodding slightly.

A group of doctors glanced at each other, and nodded their heads at the moment, the doctor can be counted as a Chinese person, a Chinese person who makes everyone believe, in order to protect the lives and property of the entire Kaifeng people, so far, only the doctor can take on this important responsibility.

(End of chapter)