Skąd wziąć pieniądze na leczenie raka?

  • Choroby nowotworowe są przyczyną aż 27% zgonów w Polsce – wynika z danych Głównego Urzędu Statystycznego (GUS).
  • Do największych problemów w chorobie należą: ograniczone przez niezdolność do pracy dochody oraz konieczność pokrycia wysokich kosztów leczenia i utrzymania rodziny.
  • Finansowym zabezpieczeniem w chorobie nowotworowej może być odpowiednie ubezpieczenie.

Nowotwory są najczęstszą po chorobach układu krążenia przyczyną zgonów w Polsce – podaje GUS. Według ostatnich, dostępnych w „Roczniku demograficznym 2019” statystyk, na raka umiera ok. 27% ludzi w naszym kraju. 19 osób w Polsce co godzinę dowiaduje się, że ma raka. W każdym roku taką diagnozę otrzymuje około 160 000 Polaków. W zdecydowanej większości są to przypadki nowotworów złośliwych: najczęściej tchawicy, oskrzeli lub płuc, a następnie jelita grubego.

Najczęściej na tego rodzaju choroby umierają mieszkańcy województw: śląskiego (313,3 przypadków na 100 tys. mieszkańców), dolnośląskiego (309,3) i łódzkiego (309,2). Na drugim biegunie znajdują się pod tym względem województwa: podkarpackie (227,9), podlaskie (247) i małopolskie (249,8). Średnia dla kraju to 278,3.

Ryzyko wystąpienia nowotworu rośnie co prawda z wiekiem, ale statystyki oraz skala problemu dobitnie pokazują, że zachorować można na każdym etapie życia oraz niezależnie od płci czy miejsca zamieszkania. Rak w złośliwej postaci destabilizuje życie nie tylko chorego, ale również jego najbliższych. Pod względem organizacyjnym, ale też finansowym, bo choroba bardzo często wiąże się z kosztownym leczeniem i koniecznością czasowej lub stałej rezygnacji z pracy. Bez oszczędności lub ubezpieczenia trudno sobie w takiej sytuacji poradzić – mówi Dorota Bartkowska, Dyrektor Departamentu Ubezpieczeń Zdrowotnych w Compensa TU S.A. Vienna Insurance Group.

Leczenie nowotworu. Na co potrzebne są pieniądze?

Refundowane świadczenia w wielu przypadkach nie gwarantują dostępu do innowacyjnych procedur leczenia. Przykładami są zabieg HIFU potrzebny mężczyznom chorym na raka prostaty oraz zabieg Mohsa stosowany przy nowotworze skóry. Zdarza się że zakres refundowanych usług bywa niewystarczający: np. liczba refundowanych woreczków stomijnych nie pokrywa miesięcznych potrzeb chorych na raka jelita grubego, którzy z własnej kieszeni wydają na ten cel po kilkaset złotych miesięcznie. Podobnie jest z nowoczesnymi lekami – Polacy nie mają dostępu do 78 (z 93) nowoczesnych leków onkologicznych zalecanych przez Europejskie Towarzystwo Onkologii Klinicznej. Publiczna służba zdrowia jest też nieefektywna, bo często odległe terminy wizyt i badań blokują szybką diagnozę i rozpoczęcie w porę właściwego leczenia. Polski system opieki zdrowotnej kolejny rok z rzędu oceniany jest jako jeden z najgorszych w Europie. Polska jest na 28 miejscu (z 36 krajów).

W rezultacie okazuje się, że skuteczne leczenie wymaga zaangażowania dużych środków finansowych. Rzecz w tym, że alternatywa w postaci prywatnego leczenia jest bardzo droga. Każda wizyta u onkologa kosztuje ok. 150 zł, a ceny niektórych badań, np. rezonansu magnetycznego, sięgają nawet 1 tys. zł. Do tego dochodzą m.in. koszty dojazdów do placówek medycznych czy specjalistycznej diety. A leczenie trwa nieraz latami, więc nie są to wydatki jednorazowe – dodaje Dorota Bartkowska z Compensy.

W kontekście finansowym warto także pamiętać, że ciężka choroba nowotworowa uniemożliwia pracę. Ma to poważne konsekwencje. Pracownicy etatowi na zwolnieniu lekarskim zarabiają o 20% mniej. Z kolei częstym problemem przedsiębiorców i pracujących dla nich samozatrudnionych jest minimalne świadczenie wypłacane w związku z opłacaniem tzw. małego ZUS-u.

Rak a ubezpieczenie

Jedną z możliwości finansowego zabezpieczenia się na wypadek zachorowania na nowotwór, jest zakup ubezpieczenia na życie. Zazwyczaj taka polisa zapewnia wypłatę świadczenia po śmierci ubezpieczonego – pieniądze otrzymują wskazane przez niego osoby, np. rodzina. Aby otrzymać wsparcie bezpośrednio po zdiagnozowaniu raka, podstawowy zakres ochrony należy rozszerzyć. Z reguły polisa zapewnia wówczas finansowe wsparcie po zachorowaniu na nowotwór złośliwy lub w przypadku konieczności szpitalnego leczenia tej choroby w zakresie operacji onkologicznej czy chemio- lub radioterapii.

Są też inne możliwości. Na przykład klienci, którzy chronią u nas swój majątek lub posiadają indywidualną polisę NNW, mogą dodać do polisy ubezpieczenie Onkopensa na wypadek zachorowania na raka. Nie trzeba w tym celu wypełniać szczegółowej ankiety medycznej i poddawać się dodatkowym badaniom. Wystarczy, że w momencie zakupu nie jest się chorym oraz nie czeka się na wyniki badań związanych z podejrzeniem nowotworu – tłumaczy Dorota Bartkowska.

Polisa zapewnia świadczenia w wysokości 50 tys. zł, 100 tys. zł lub 150 tys. zł, które można wydać na dowolny cel po zdiagnozowaniu nowotworu złośliwego w stadium inwazyjnym. Jeśli polisa dodawana jest do NNW, do ubezpieczenia mogą przystąpić osoby w wieku od 18 do 60 lat. Gdy natomiast kupowana jest razem z ubezpieczeniem majątkowym, ochroną mogą zostać objęte osoby w wieku od 18 do 50 lat (klient wraz z małżonkiem lub partnerem) oraz dzieci poniżej 18. roku życia.

Źródło: Compensa TU S.A. Vienna Insurance Group

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