Himmlische Dynastie Medcare Service
Fees Sharing Scheme OverviewIt is important to note that this program is not a traditional insurance plan, but rather a health protection mechanism that alleviates the burden of substantial medical expenses through a collective cost-sharing model.
All treatment options included under this program employ proven, widely recognized medical technologies and effective pharmaceuticals, and do not involve experimental or clinical trial-based therapies.
For your reference, here are the following cancer treatments available:
- Chemotherapy, though still used in certain countries, offers a treatment success rate of only approximately 30% and is often accompanied by severe side effects that can damage healthy cells. Its limitations have become increasingly apparent.
- Targeted Therapy boasts a success rate of up to 80% and represents a cutting-edge cancer treatment approach. By precisely modifying surface receptors on immune cells, this method enables specific targeting of cancer cells, thereby enhancing effectiveness while minimizing side effects.
- Advanced treatments such as CAR-T cell immunotherapy, while highly effective, can cost upwards of USD $500,000 per session, making them financially out of reach for most families.
In the face of such high medical costs, the value of the Medical Fees Sharing Scheme becomes evident: it not only eases the financial burden on patients but also ensures timely access to appropriate and effective treatment during the critical early stages of diagnosis.
1) Participant Criteria
- Individuals aged 12 to 50 are eligible to apply.
- The program will conclude upon the participant reaching the age of 65.
2) Pre-Enrollment Medical Screening (Costs borne by participant)
For Female Applicants:
I) Imaging: Chest X-ray
II) Blood Tests:
- CA125 (Cancer Antigen 125)
- CA19-9 (Carbohydrate Antigen 19-9)
- CEA (Carcinoembryonic Antigen)
- GGT (Gamma-Glutamyl Transferase)
- AFP (Alpha-Fetoprotein)
- CA15-3, CA72-4
- Tg (Thyroglobulin)
III) Urine Test: BTA (Bladder Tumor Antigen)
For Male Applicants:
i) Imaging: Chest X-ray
ii) Blood Tests:
- CA19-9 (Carbohydrate Antigen 19-9)
- CEA (Carcinoembryonic Antigen)
- GGT (Gamma-Glutamyl Transferase)
- PSA (Prostate-Specific Antigen)
- AFP (Alpha-Fetoprotein)
- CA72-4
- Tg (Thyroglobulin)
iii) Urine Test: BTA (Bladder Tumor Antigen)
3) Treatment Arrangement and Cost Coverage
- Upon confirmed cancer diagnosis, Himmlische Dynastie Medcare will coordinate overseas treatment arrangements at the earliest possible time.
- The program will cover: round-trip airfare for the patient, hospitalization fees, treatment costs, and initial medication expenses.
- Follow-up consultations and medications after the first round will be the responsibility of the patient.
4) Waiting Period Policy
- To ensure fairness, coverage begins on the fourth month after joining the program.
- If a cancer diagnosis is confirmed within 92 days of enrollment, 90% of fees paid will be refunded. The remaining 10% will be retained as an application and processing fee.
5) Treatment Plan Authority
- Upon diagnosis, Himmlische Dynastie Medcare and its medical advisory team will assess the patient’s condition and determine the most appropriate treatment plan.
- All treatment decisions and directions are exclusively determined by Himmlische Dynastie Medcare.
6) Family Member Travel Assistance
- Himmlische Dynastie Medcare will cover the round-trip airfare for one accompanying family member to support the patient during overseas treatment.
7) Recurrent Cancer Policy
- In the event of cancer recurrence, Himmlische Dynastie Medcare will continue to cover relevant medical expenses in accordance with sections (3) and (6) of this policy.
8) Participation Fee:
- Participants aged 6-19 will be required to contribute A$18,000 for protection coverage extending up to age 65, spanning a duration of 53 years.
- Participants aged between 20 and 40 will contribute A$25,000 for coverage until the age of 65.
- Participants aged between 40 and 45 will contribute A$33,000 for protection until age 65.
- Participants aged between 45 and 50 (high risk group) will contribute A$45,000 for coverage up to age 65.
For participants located in Southeast Asian countries, the service fee structure will differ from that of Oceania. This approach takes into full account the variations in economic development, healthcare regulations, and patients’ ability to pay across regions. The goal is to ensure a fair and sustainable pricing model that better addresses the specific needs of local participants. Please contact us for a more accurate quotation.
天国皇朝医疗费用共享计划
天国皇朝推广的医疗费用共享计划主要针对于癌症为主，旨在为那些收入相对不高、但具备长远医疗保健意识的个人或家庭提供实际帮助。该计划并非传统意义上的保险，而是一种通过集体分担的方式，缓解高额医疗费用压力的健康保障机制。
本计划所涵盖的治疗方法，均采用医学界公认的成熟技术与高效药物，绝非实验性或尚处于临床试验阶段的治疗方式。
以癌症治疗为例：
- 传统的化疗，虽然仍被部分国家使用，但其治疗有效率仅约为 30%，且副作用严重，常伤及正常细胞，已逐渐被视为效果有限的治疗方案。
- 靶向治疗，治疗有效率高达 80%，属于先进的癌症治疗方式。通过对患者免疫细胞进行表面受体的精准修饰，使其专一攻击癌细胞，有效减少副作用，提升治疗成效。
- 某些高端疗法如CAR-T细胞免疫治疗，虽疗效显著，但单次治疗费用高达 50万美元，极少数家庭有能力承担。
面对如此高昂的医疗开销，医疗费用共享计划的意义便凸显出来：它不仅为患者减轻经济压力，更确保其在黄金治疗时机内获得有效治疗。
参与资格与须知
1） 参与对象：
- 年龄介于12岁至50岁之间的个人可申请加入。
- 计划将于参与者年满65岁时终止。
2) 参与前检测项目（费用由参与者自理）
女性：
I) 影像检查：胸部X光, 乳房X光检查
II) 血液检测：
- CA125（癌抗原125）
- CA19-9（糖类抗原19-9）
- CEA（癌胚抗原）
- GGT（谷氨酰转移酶）
- AFP（甲胎蛋白）
- CA15-3、CA72-4
- Tg（甲状腺球蛋白）
III) 尿液检测：BTA（膀胱癌抗原）
男性:
i) 影像检查：胸部X光
ii) 血液检测：
- CA19-9（糖类抗原19-9）
- CEA（癌胚抗原）
- GGT（谷氨酰转移酶）
- PSA（前列腺特异抗原）
- AFP（甲胎蛋白）
- CA72-4
- Tg（甲状腺球蛋白）
iii) 尿液检测：BTA（膀胱癌抗原）
3) 治疗安排与费用分担：
- 一旦确诊为癌症，天国皇朝将在最短时间内(3天)安排患者赴海外接受治疗。
- 所承担项目包括：患者往返机票、住院治疗费、手术费、首次药物费用。
- 后续复诊及第二次起的药物费用将由患者自付。
4) 等待期政策：
- 为保障公平，计划自参与后的第四个月起正式生效。
- 若在加入后 92天内确诊为癌症，天国皇朝将退还已缴费用的90%，其余10%为申请与处理手续费。
5)治疗方案决定权
- 一经确诊，天国皇朝将会同医疗专家团队评估患者状况，并决定最合适的治疗方案。
- 所有治疗方向与决策权归天国皇朝所有。
6) 家属陪同政策：
- 天国皇朝将负担一位家属的往返机票费用，以便陪同患者进行海外治疗。
7) 癌症复发处理 :
- 如确认癌症复发，天国皇朝将继续按照第(3)项与第(6)项的标准，承担相关医疗费用。
8) 参与费用：
- 6-19岁参与者将收取 A$18,000 至65岁长达53年的保护。
- 20岁至40岁的参与者将收取 A$25,000 至65岁的保护。
- 40岁至45岁的参与者将收取 A$33,000 至65岁的保护。
- 45岁至50岁的参与者将收取 A$45,000 至65岁的保护。
如需进一步了解或申请加入，请联系天国皇朝医疗顾问团队。
