《深イイ話》三大疾病の治療費はいくらかかる!?医療費が高額すぎて支払えない場合は高額医療制度を利用すると良い!

※人生が変わる1分間の深イイ話 2013年8月12日放送分より

今回は巷で話題の最新医療&健康法スペシャル。

がん、脳卒中、心臓病といった、
三大疾病の治療費・療養費は大体いくらかかるのか
森田豊医師が説明。

あくまで平均医療費であるが、
がんの中で、
最も多い肺がんの医療費は約81万円(平均入院日数18.4日)
また胃がんの医療費は約104万円(平均入院日数20.3日)
となっている。

脳卒中の死亡数1位である、
脳梗塞の医療費は約140万円(平均入院日数24.4日)である。

心臓病の死亡数1位である、
急性心筋梗塞の医療費は約200万円(平均入院日数16.9日)である。

そして実際に患者が支払うお金というのは、
健康保険に加入している等すれば、
普通であれば3割負担なので、
上記した医療費の3割程を窓口で支払うこととなる。

また3割負担だとはいえ、
高額になる場合もあり、
お金が支払えなかった時のことについても、
森田豊医師は説明した。

日本には高額医療制度というものがあり、
医療機関や薬局で支払った額が1ヶ月で一定額を超えた場合、
その超えた金額が支給される制度であることが明かされた。

またこの制度は年齢や所得に応じて上限が変わるというが、
大体26万7千円以上
1ヶ月でかかってしまった場合に、
保険会社から支給されているという。

但し、
この高額医療制度に関して、
病院によって説明してくれるところと、
してくれないところがあるので注意が必要だという。

非常に医療費が高いと感じていても、
申請しなければこの制度が適用され、
お金が返ってくることはないので、
利用するべき制度である。

また、
病気を治療する為に、
通院などにかかる諸経費(例えばタクシー代)というのは、
医療費控除という税額控除が受けられ、
年間200万円迄は、
収入からその部分は税金がかからなくなるので、
領収書はきちんと取っておいた方が良いことも説明された。

《もうちょっと調べてみた&所感》

日本人の大多数の死亡理由となっている三大疾病。

つまりは、
貴方もそれを発症するリスクが非常に高いということです。

大病であるがゆえに、
その治療に要するお金も高額になるのは、
当然の事。

今回紹介されました、
高額医療制度等、
知らなければ大幅に損することもあるので、
頭の片隅にでもきちんと収納しておきましょう。

一方で、
日本は先の高額医療制度といい、
国民皆保険制度といい、
医療制度は他の先進諸国よりも充実しているなと、
常々思います。

以前聞いた話では、
資本主義大国のアメリカは、
三大疾病等にかかる医療費は全額自己負担で、
自身の収入に応じた治療しか受けられないようになっているのです。

お金のある者こそ正義という、
いかにもアメリカらしい医療制度ですが、
日本もこの制度であったらと思うと少々ぞっとしますね。

オススメ関連記事

人気記事TOP5

              

    

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