For families with average or difficult economic conditions, if family members are seriously ill, their income is declining or even losing money, they can apply to the local village committee or street office for social assistance.

Social assistance refers to a system in which the state and society provide economic assistance and living support to citizens who are trapped in survival difficulties for various reasons to ensure their minimum living needs. Can guarantee the basic life of family members, and generally provide assistance by paying a certain living allowance every month.

Generally, families applying for assistance will be investigated and paid a return visit by relevant personnel. If the application is successful, they will be publicized and accept social supervision.

2. Online love fundraising

At present, there are many platforms for raising money for love on the Internet, such as Droplet Raising and Easy Raising. These platforms are all public welfare platforms and do not need to charge.

Patients and their families in need can initiate fundraising through WeChat official account and APP. Usually, it is necessary to submit personal information and medical information to raise funds to ensure authenticity. If you don't know how to operate, you can also apply for customer service assistance.

However, this method relies heavily on the interpersonal relationship and social resources of patients and their families. For people who have many friends or patients in some professions (such as teachers), it is easy to raise hundreds of thousands or even millions. But if the sponsor's interpersonal circle is narrow, it may be more difficult to raise funds.

3. Love donation from the media or units.

If the patient has a unit that has worked for many years, or is an object worthy of reporting, you can consider raising money through these methods. Generally, units with close interpersonal relationships and high degree of humanization are more likely to initiate donations.

To use the media to raise money, patients had better be newsworthy. For example, patients are always ready to help others, which is an example worth learning. Patients are special occupations, such as front-line officers and soldiers, and now they are suddenly seriously ill and have family difficulties.

Of course, after the "Luo" incident the year before last, netizens were more cautious about using the media to defraud donations and put forward higher requirements for the "innocence" of patients.

4. Commercial insurance

If the patient has bought a large amount of medical insurance and critical illness insurance before, it will usually not cause too much difficulty in seeing a doctor. If you don't buy these types of insurance, and your family is short of money at present, there are two ways to get some cash through the policy:

One is policy loans. Applying for a policy loan with a policy with cash value can generally lend about 70% of the cash value without affecting the effectiveness of the policy. Very suitable for families who have paid insurance policies for many years and can't use them for the time being.

The second is to surrender, and you can get back all the cash value. If you really have to, you can consider returning some less important policies to get cash.

However, it should be noted that in any case, it is not recommended to return all the insurance of the family's economic pillars, otherwise once the economic pillars have an accident, it will cause a devastating blow to the family.

5. Insure tax-excellent health insurance or Huimin insurance.

There are two kinds of insurance for people who are already sick. One is tax-excellent health insurance, which can be insured by people who pay taxes every month, with an annual income of 40 thousand yuan and a cumulative maximum of 200 thousand yuan. However, at present, most of the individual insurance channels of tax-excellent health insurance are closed and can only be insured through the unit.

The other is Huimin insurance in various places, which belongs to semi-public insurance products. It is usually jointly launched by local governments and insurance companies. It supports sickness insurance, and social security can continue to reimburse part of the treatment expenses without reimbursement, with extremely low compensation. At present, Huimin insurance has become more common in China, and many places have launched exclusive products, so you can pay attention to it.