Many families first encounter high-end medical insurance through a joyous opportunity—their baby is about to be born.
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This new mother had done her homework during her pregnancy, carefully selecting the Children's Medical Insurance which is provided by MSH.
The first time she saw her baby was the happiest moment of her life. Infants are very delicate, and whether it's vaccinations, child health check-ups, or colds and fevers, skin allergies, it's inevitable to rush to the hospital at the first sign of trouble. If they also have to face long waits in noisy crowds, it's a double drain on the spirit and physical strength for both adults and children. So, as soon as the waiting period was over, she immediately insured her baby with the most comprehensive plan.
Thanks to the high-end medical insurance, she and her husband have always taken their baby to private hospitals with comfortable environments, spacious and quiet. Even if they go to the emergency department at night with a high fever, there are plenty of medical staff to receive them 24 hours a day. Sometimes, when she looks at the large emergency building and sees only her family, and recalls the pediatric emergency she accompanied a friend to in the middle of the night, she feels as if it's a world away.
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The initial reason for purchasing high-end medical insurance for the baby was to gain a certain degree of "freedom of private hospital visits." However, she never expected that this decision would give her access to some of the top medical resources in the country during the "darkest moment" of her life, giving her more medical choices.
Before the baby's first birthday, he frequently rubbed his eyes and showed symptoms of red eyes and a change in the color of the eyeball to gray. After assessing the condition, MSH immediately arranged for him to go to the renowned public pediatric hospital within the MSH direct payment medical network—Shanghai Xinhua Hospital for treatment, where he was finally diagnosed with retinoblastoma. This type of eye cancer originating from the retina is most common in young children under 3 years old. Although it grows rapidly, the cure rate is also very high.
The most rational choice at the moment is to have surgery as soon as possible. Although very entangled and painful, she still accepted the surgical plan proposed by Xinhua Hospital. With priority arrangement from MSH, the baby was quickly admitted to the hospital for enucleation and prosthetic eye implant surgery.
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The surgery was successfully completed, and the baby is currently undergoing continuous chemotherapy. The doctor has initially arranged for 6 courses of treatment, once every 28 days, with a cost of 30,000 yuan each time, and the estimated follow-up treatment cost is still several hundred thousand yuan. These costs can be fully reimbursed by the insurance and enjoy direct payment services within the network. MSH, as the service provider, directly settles with the hospital without the need for personal advance payment.
Serious illnesses often require a very long treatment process. During this period, MSH's customer service team has always been warmly accompanying and arranging priority medical treatment and urgent pre-authorization for the baby.
After experiencing ups and downs, she hums a lullaby to soothe the baby on the hospital bed to sleep and tells us that every day now, she feels more that her struggle is full of meaning, to work hard, to provide the best protection for the baby. When encountering unpredictable major setbacks, she has the strongest shield to protect the baby from all the storms, to be the strongest mother.
