Doctor of the Great Song Dynasty: In the beginning, Li Qingzhao and Li Qingzhao made a private decis

Chapter 263 Evil Recipe: Insurance

"medical insurance?"

The doctors looked at each other in blank dismay, they were also well-informed people, they understood medical care, but they didn't understand what Fan Zheng meant by insurance?
Fan Zheng explained: "Insurance is the mutual assistance of many people and the avoidance of risks. For example, if one person gets sick, it costs about one thousand pennies. If there are a thousand people, each one only needs one penny. If you pay all the medical expenses you need, you can enjoy a thousand times the benefits for just one penny.”

"However, these 1000 people who are neither relatives nor relatives are willing to pay for one person's medical treatment." Su Dun frowned.

He is in charge of forensic research, and he is used to the dangers of the world, so he doesn't believe that anyone is willing to pay for medical treatment for others for no reason.

The other doctors also nodded.

Fan Zheng smiled slightly and said: "If these thousand people made an agreement in advance: each person will pay a penny, and if anyone gets sick, the thousand penny will be used to treat one of them. If you are in good health, everyone is happy.”

"Ah! Can it be like this?"

All the doctors exclaimed.

After careful consideration, they found that this method is theoretically feasible. After all, each person only needs to spend a small amount of money, which everyone can afford.With very little money, you can buy peace and guarantee that your illness will be healed.

"Insurance, avoiding risks! It really lives up to its name." Yang Jie said with a heartbeat.

Regarding the gradual increase in medical expenses, he was the first to be alert. However, the increase in medical expenses is accompanied by the continuous improvement of medical skills, and more and more diseases can be cured. This is an inevitable cost increase, and he has nothing to do.

However, although Fan Zheng's insurance method is evil, it is extremely effective. If the common people can afford medical expenses with very little 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 cash won't help," Qian Yi said shaking his head.

Before the reform of doctors, there were very few diseases that cost thousands of dollars, and of course the cures were slow. Now that doctors have cracked Hua Tuo's unique knowledge, as long as they are diseases that need to be operated on, none of them are less than one thousand dollars, and some of them are complicated. Even more fees are required. "

Fan Zheng smiled slightly and said, "One thousand Wen is not enough for a serious illness, what about one thousand coins? Is it enough?"

"One thousand strings?"

Immediately all the doctors exclaimed, if you spend a thousand dollars to see a doctor, even if you have a million dollars, you will not be willing.

A thousand guan is worth a million pennies. In Kaifeng City, there are quite a few people whose property is worth a million dollars, but not many are able to spend a million dollars, and very few are willing to spend a million dollars to see a doctor.

"Fan is going to formulate an insurance called life insurance, and pay [-] yuan a year. During the insurance period, if you get seriously ill, you can get a [-] yuan reimbursement in the hospital. In this way, even the most serious disease, and have enough financial information." Fan Zheng said solemnly.

If a patient spends a thousand guan to cure a disease, I am afraid that few families can sustain it. If spending a thousand guan is enough to get a thousand guan to cure a disease, I am afraid no one can refuse.

"Lifetime Guarantee!"

A group of doctors could not help but frown. After all, they heard the concept of insurance for the first time, and they were concerned about the so-called insurance.

"If someone didn't pay the money when they were young, and deliberately waited until they were seriously ill before paying the money when they were old, wouldn't the doctor be at a loss." Su Dun frowned.

The other doctors nodded one after another.
As we all know, everyone cannot escape birth, old age, sickness and death. When young, the body is the strongest and should not get sick. After old age, the body is weak and the group that is most likely to get sick.

If doctors are asked to bear the medical expenses of the elderly in the world, even if they have a thousand coins paid by the elderly, the doctors will not be able to bear it at all.

"Besides the elderly, infants and young children are also the most prone to illness, and the risk of implementing medical insurance is quite high." An imperial physician objected.

Fan Zheng nodded and said: "It is indeed possible. You are all doctors. Babies have a high probability of getting sick. As they continue to grow, when they are 20 years old, the probability of getting sick will reach the minimum. As the age grows again, the probability of getting sick will become higher and higher, until eventually getting sick and getting old."

All the imperial physicians nodded one after another, this is the trajectory of a person's life's health.

Fan Zheng continued: "However, babies also have a healthy life. Even 60-year-olds have fast walkers. The healthiest 20-year-olds are also at risk of diseases, such as appendicitis and so on. It's not that they don't need insurance. , so the cost of life insurance is the same, and the insurance cost is paid according to the risk probability of the disease."

"Pay fees according to the probability of disease risk?"

Qian Yi nodded slightly, this method is acceptable.

Fan Zheng continued: "For example, a one-year-old baby can be insured. As a care for the baby, it only needs to charge five hundred yuan a year. As the baby grows up and the body becomes stronger and stronger, the premium will decrease year by year. , when he is 20 years old, the premium will reach the lowest level, only 60 Wen a year! Then it will increase year by year, until the age of [-], it will reach a maximum of [-] Wen per year!"

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

"This is a good law!"

Yang Jie nodded solemnly and said,
It only takes a small amount of money to obtain a lifetime of peace. It is only a few hundred yuan a year, and the highest is no more than a thousand yuan, but he can enjoy thousands of dollars in premiums. He believes that there will be people flocking to him.

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

And with insurance, patients will no longer give up seeking medical treatment for huge medical expenses, which increases doctors' chances of contacting difficult and miscellaneous diseases, and further improves doctors' medical skills.

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

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

"Three months is the most suitable time!"

Seeing that Fan Zhengzao had a countermeasure, Su Dun nodded slightly.

Many diseases have a rapid onset. If you find out that you are sick and then apply for insurance, you may delay the disease after waiting for three months, and it will be too late.

"If one person is sick, how can we prevent it by borrowing other people's insurance for treatment?" An imperial doctor once again proposed a fraudulent insurance behavior.

"Fingerprint method!" Without Fan Zheng's answer, Su Dun said proudly.

"Fingerprinting?"

All the doctors suddenly realized that each person's fingerprints are unique, and as long as the fingerprinting method is strictly implemented, insurance fraud will be invisible.

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

Su Dun nodded slightly. Fingerprinting is a forensic doctor's specialty. With him, there is nowhere to hide the behavior of borrowing other people's insurance.

Qian Yi then asked: "What about the elderly after the age of 60? Could it be that the doctors just ignore it?"

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

All the doctors were silent. Everyone knew that a 60-year-old man is almost doomed to get sick. If a doctor underwrites an insurance policy for a 60-year-old man, he will lose money.

Fan Zheng pondered for a moment with a solemn expression: "If the patient is 60 years old, as long as he has paid premiums for 20 years and has not suffered from serious illness, after the age of 60, he does not need to pay premiums again, and the doctor will protect him for life."

Qian Yi smiled wryly: "Medical insurance has only just been implemented, how can we pay for it for 20 years!"

"Unless they can make up for 20 years of premiums at one time, there is no other way. After all, the medical insurance proposed by Fan is to share the risks among patients. If they get a serious illness, they will not go bankrupt. Doctors can also alleviate the problem of expensive medical treatment. If it is just 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 everyone will suffer in the end.”

It's not that Fan Zheng didn't think of following the example of later generations and advocating lifelong insurance. However, with the medical conditions of Song Dynasty, it may be impossible to achieve it. Being able to take care of the 60-year-old is already the current limit of doctors.

Qian Yi wanted to persuade him again, after all, paying premiums for 20 years at a time is not a small sum.

Fan Zheng shook his head firmly and said: "Medical insurance is just a new attempt by doctors, and 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 improve Further, more people can be covered, and there will naturally be a solution when the time comes."

Qian Yi pondered for a moment, then sighed helplessly.

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

"Life insurance can be implemented!"

Yang Jie nodded solemnly.

With the development of medical technology, medical expenses continue to increase, and insurance is probably the best solution to solve the problem of expensive medical treatment.

Other doctors also nodded their heads and agreed to try to implement life insurance in Kaifeng City. After all, doctors have been thriving, even if life insurance loses money, with the strength of doctors, they can bear the risk enough.

Seeing this, Fan Zheng proposed again: "Insurance has a lot to offer! Apart from people's normal illnesses, there are also various accidents. Now Kaifeng City is implementing compulsory education throughout the city. If doctors and public schools cooperate to launch accident insurance, it will only cost five years. Ten coins, during the child's elementary school, no matter what kind of accidents happen to the child, the doctor will be responsible for the treatment."

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

"This method is very good."

Many imperial physicians nodded and said.

As soon as the city-wide compulsory education comes out, a large number of school-age children are sent to public schools. It is inevitable that there will be bumps and bumps. Parents are not at ease. The hospital and the parents benefit from the tripartite.

There is a life insurance with pearls and jade in front, and the accident insurance has also passed smoothly.

Fan Zheng did not end, but continued: "Speaking of accidents, the biggest accident in Kaifeng City is the fire! Everyone knows the fire in Rongguo Palace!"

"The Royal Palace Fire"

All the doctors couldn't help but gasped. They had heard of the famous Rongwang Palace fire in Kaifeng City.

King Rong is the eighth son of Zhao Guangyi, named Zhao Yuanyan, who is also the prototype of the eight virtuous kings of the later generations. The maids in the palace were about to elope and set fire to create an accident. As a result, the palace fire almost burned the royal treasury and Zhao Guangyi stayed. The next family property was destroyed.

Fan Zheng said solemnly: "This is true for the royal family, not to mention the civil society. A fire can almost destroy a person's family property. However, most of the houses in Kaifeng City are made of wood. If a fire occurs, the entire street may be destroyed." To be buried in the sea of ​​fire."

"You mean that doctors can also offer fire insurance?" Su Dun's eyes flashed, and he instantly understood Fan Zheng's meaning.

"Why not! The most important thing in a person's life is wealth, besides life, 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 , will you agree?" Fan Zheng asked Qu Lang with a flash in his eyes.

Qu Langzhong was shocked when he heard the words, he spent his whole life and finally got a house, so he naturally regarded it as a treasure, and immediately nodded without hesitation: "Qu will vote, after all, even if Qu thinks he is cautious, it is hard to protect others Houses caught fire, and last year a fire broke out in the area of ​​Xiangguo Temple in Kaifeng City, just in case of strong winds, it burned two streets, burned countless houses, and countless people continued to burn their lives."

The other doctors also had lingering fears. There are many wooden structures in Kaifeng City, and there are even many thatched huts. In addition, they are all in the houses, and they light fires for cooking. There are constant fires every year.

If it is discovered in time, it is fine, but if it is discovered late, not only the house cannot be kept, but even people may die in the sea of ​​fire. What is even more tragic is that if other people's houses are ignited in a windy day, the poor family may go bankrupt. I can't afford it.

"That's why the city of Kaifeng, where fire insurance is guaranteed, will be very popular." Fan Zhengyan said with certainty.

Kaifeng City has a population of more than one million, and the rooms are row upon row. In addition, most of the wooden structures, once a fire breaks out, it will be extremely harmful.

After all, no one knows whether a fire will happen to him or not, and it is impossible for a fire to burn down the entire city of Kaifeng at the same time. If doctors implement fire insurance, then the whole city can share the risk equally, and only a small amount of money is needed You can keep your property safe and sound, and I believe there will be many people joining.

"The essence of insurance Insurance is essentially a mutual aid behavior. Individuals cannot cope with sudden disasters at all, and often lead to the destruction of families. With insurance, if one person loses, everyone will share it. Everyone is for me, and I am for everyone. We can tide over the difficulties together." Fan Zhenglang said.

"One person loses, everyone shares!"

"All for one, one for all!"

All the doctors were immediately moved.

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

Fan Zheng said again: "This is the inspiration that Fan got from his ancestors who founded the Fan's Yizhuang. The Fan's Yizhuang is full of children of the Fan family and neighbors. In addition, the Yizhuang run by the ancestors is shared by all the children of the Fan family. It is natural to help each other, but in Kaifeng City, there are not people with the same family name, and it is impossible to achieve everyone for one, and one for everyone."

"Doctors are booming, with a steady stream of income, sufficient reputation, and sufficient funds for compensation. It is the best choice for promoting insurance. This is not only an opportunity for doctors, but also a responsibility for doctors."

Fan Zheng said solemnly to the 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 looked at each other and nodded immediately. The doctor can be regarded as a middleman, a middleman who can be trusted by everyone, so as to protect the lives and property of the entire Kaifeng people. So far, only the doctor can do this. important task.

(End of this chapter)