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陈在田:在美骑行被撞伤,会如何?
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Topic: 陈在田:在美骑行被撞伤,会如何? (Read 356 times)
Jackson86
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陈在田:在美骑行被撞伤,会如何?
April 15, 2015, 04:50:03 PM
#1
一家之言
出国旅行时一旦在海外生病,巨额医疗费用将成为沉重的负担。美国并没有覆盖全民的医保福利,大多数美国人依靠商业医保,而无商保的情况下医疗费用恐怕是全世界最贵的。
近日,网络昵称“辘轳思思”的中国80后夫妇舒炜、王思在美国加州死亡谷附近骑行遭遇车祸,并因此积欠逾百万美元医药费事件虽已在网上被炒得火热,事件细节至今仍有许多待厘清之处,毕竟“辘轳思思”及其家人至今也未公示其所收到的所有账单,很多情形目前国内方面只能听到一面之词。
仅就已知情况看,美国或中国相关各方在事发后的处理、应对,都没有太多可指摘之处:肇事人丹尼斯·史密斯驾车超速,致使二人被撞伤,很可能会被裁定负全责,但事发后他主动联系警方并一直留在现场,并未推卸责任,“没有存款、没有财产”和只有基本保险,是因自身一直处于失业状况,“一次未去医院看望”本身并不违法;美国医院在明知医药费可能收不齐的情况下仍然进行了救治;中国使领馆在接到求助请求后也作出回应,并帮助聘请了律师,但并没有义务代付律师费或其他费用。
一对小夫妻高高兴兴出门游历天下,不料刚开了个头就遭逢不测,固然令人同情,但平心而论,在这件事情上,他们行前、行中,都有许多考虑不周之处。
出国旅行本身多少存在一定风险性,一旦在海外生病,巨额医疗费用将成为沉重的负担。在欧盟等实行全民福利医保的国家,外国游客申请申根签证必须先行办理旅游医保。而美国的情况则不同,该国并没有覆盖全民的医保福利,大多数美国人依靠商业医保,而无商保的情况下医疗费用恐怕是全世界最贵的,因为没有全民福利医保,不担心外国人“沾光”,美国签证不强求申请者事先投保。
如果无保,后果是很严重的,笔者的一位长辈因事先投保,在美探亲期间急性心脏病突发送院,仅花了1000多美元,而在他稍前送进同一家医院的某新西兰游客因为无保,不过摔了个髋骨骨裂,就收到十几万美元的账单。
从“辘轳思思”事发前后一些公开言论看,他们对美国并不了解。比如,他们似乎至今也不知道美国医疗系统所谓“无条件先行救治义务”只执行到帮助脱离危险并协助回国(回家)为止,“就地复健”不在其“无条件帮助”之列,更不知道相较治疗本身,在美康复性治疗的费用才是更大的无底洞,且即便有保也未必“吃得消”。
外面的世界是美好的,但不论人家“强制投保”与否,先买份旅游医疗保险是必不可少的。为他们二人计,既然无力就地复健,与其原地硬耗、从而继续叠加债务,不如早日回国休养。广大旁观者也应从中汲取教训,今后不论国内游、出国游,都应准备充分,量力而行。
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