The price of photodynamic therapy is higher because a drug called photosensitizer is needed. The price of this photosensitizer in China is only 5000 yuan. Treatment needs 4~5 light systems, so it costs more than 20 thousand yuan to use photodynamic therapy, which is not covered by medical insurance and cannot be reimbursed by medical insurance.

The importance of medical insurance.

The main function of medical insurance is to reduce our medical expenses. In order to compensate people for the economic losses caused by disease risks, this is a social welfare given to us by the state. The principle is that we can use it when we are sick and cause a lot of economic losses. So, there is a deductible. Cold and fever, a stress-free disease, cannot be reimbursed by medical insurance, but there are other benefits besides medical reimbursement. For example, there are discounts for buying designated drugs in some designated medical insurance pharmacies, and some drugs can even be collected free of charge.

As a kind of social security, medical insurance focuses on expanding the number of participants and coverage. Although insurance is obviously different from commercial insurance, the most obvious point is that you can participate in medical insurance and enjoy relevant treatment even if you are sick. After commercial insurance is insured, there is still a buffer period, during which even if you are sick, you can't reimburse, and you will refuse to pay if you are found to be sick. Its root lies in that medical insurance is social security and commercial insurance is company profit.

I hope the above content can help you. If in doubt, please consult a professional lawyer.

Legal basis:

Article 2 of People's Republic of China (PRC) Social Insurance Law

The state establishes social insurance systems such as basic old-age insurance, basic medical insurance, industrial injury insurance, unemployment insurance and maternity insurance, so as to guarantee citizens' right to receive material assistance from the state and society in accordance with the law when they are old, sick, injured, unemployed and have children.

Article 29

The medical expenses of the insured shall be paid by the basic medical insurance fund, and shall be directly settled by social insurance agencies, medical institutions and pharmaceutical business units.

The administrative department of social insurance and the administrative department of health shall establish a settlement system for medical expenses in different places to facilitate the insured to enjoy the basic medical insurance benefits.