がん高額治療費、「家族のためなら」49.2%

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 がんになると、手術費用だけでなく、放射線治療のための費用や抗がん剤治療費用、闘病中の生活資金や保険対象外の治療を受けるための費用など、多様な費用が必要になる。そこで、東京海上日動あんしん生命は、20歳から59歳までの1,032名を対象に「がんに関する意識調査」で治療費などに関するさまざまな質問をし、その結果を14日に発表した。
 調査結果によると、がん保険の保険金を含め、がんになったら治療費としていくらくらいまで使うことができるかを聞いたところ、「50万円未満」と答えた人の割合が25.0%、「50万円〜100万円未満」と答えた人の割合が35.0%で、全体の6割の人が「100万円以下」と答えた。「100万円〜200万円未満」は20.7%、「200万円〜300万円未満」は11.6%、「300万円〜500万円未満」は3.9%、「500万円以上」は3.8%だった。
 そこで「自分ががんになったら、健康保険の対象外の治療法でも有効であれば受けてみたいか」と聞いたところ、肯定的に考える人の割合は9割近くに達したものの、「高額でも受けてみたい」と答えた人の割合は9.2%にとどまり、「家計の大きな負担にならない程度であれば受けてみたい(78.5%)」との回答が大半を占めた。治療のためであっても、財布のヒモは固いようだ。
 ただ、家族ががんにかかった場合には、この割合が大きく変化する。同様に「家族ががんになったら、健康保険の対象外の治療法でも有効であれば受けさせたいか」と聞くと、「高額でも受けさせたい」と答えた人の割合が49.2%に増加し、「家計の大きな負担にならない程度であれば受けさせたい(40.6%)」を上回った。家族のためなら、無理をしてでも治療させたいという、思いやりの気持ちが勝るようだ。
 最近では、健康保険の診療で認められている一般の医療の水準を超えた「先進医療」が登場し、多くの人が最新の医療を受けることができるようになった。しかしその一方で、その費用は全額自己負担となるため、経済的な負担は大きいものになる。もしもの場合に備えておくことが必要なのかもしれない。
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by pachifu | 2012-05-27 02:19