《医療保険って必要？》がん保険が必要になる2つのケース【2024年版】【きになるマネーセンス680】

Summary

This video script discusses the necessity of cancer insurance from an investment perspective, providing an updated 2024 edition. It covers two scenarios where joining cancer insurance might be beneficial, especially for those without sufficient savings to cover cancer treatment costs. The script explains that while basic medical insurance is often sufficient due to comprehensive health insurance plans, cancer insurance can offer additional peace of mind. It also touches on the evolution of cancer treatment costs, which are now often under 1 million yen, and emphasizes the importance of early detection and regular health check-ups. The video aims to equip viewers with the knowledge to make informed decisions about their insurance needs.

Takeaways

• 😀 The video discusses the topic of cancer insurance from an investment perspective, focusing on whether it's necessary to join such insurance.
• 🏥 It mentions that basic medical insurance is generally sufficient due to the comprehensive coverage provided by health insurance, including national health insurance.
• 💰 The video suggests that for those without sufficient savings to cover potential cancer treatment costs, cancer insurance might be a consideration.
• 🤔 It emphasizes the importance of considering both economic rationality and personal feelings when making decisions about insurance.
• 💡 The video provides updated information on cancer treatment costs, which have decreased significantly and are often under 1 million yen.
• 📊 It highlights that most cancer treatments can be completed within a year, with many being resolved in less than 6 months.
• 🏢 For self-employed individuals, the video recommends having substantial savings due to the lack of sick pay benefits, suggesting 3 to 4 million yen as a potential target.
• 📈 The script discusses the importance of understanding cancer risk and treatment advancements, noting that cancer is increasingly treatable.
• 👨‍⚕️ It stresses the importance of regular health check-ups for early detection and treatment of cancer.
• 📉 The video points out that the risk of getting cancer is relatively low, especially for younger individuals, and that the mortality rate from cancer has significantly decreased.
• 🌐 It concludes by suggesting that with proper savings, a solid financial plan, and regular health checks, the need for cancer insurance may be reduced, although it remains a personal decision.

Q & A

What is the main topic of the video script?

The main topic of the video script is discussing whether it is advisable to join cancer insurance, with an update for the year 2024, and providing insights into the necessity and economic rationality of such insurance.

What is the QUARTER GRID system mentioned in the script?

The QUARTER GRID system is a method introduced by the Money Sense (マネーセンス) for considering insurance as part of household budget planning, suggesting that only necessary insurance should be taken.

Why does the script suggest that medical insurance might not be necessary for most people?

The script suggests that medical insurance might not be necessary because most people are already covered by high-performance medical insurance plans, including national health insurance and government-affiliated health insurance.

What are the two cases discussed in the script where joining cancer insurance might be considered?

The two cases discussed are: 1) People who do not have sufficient savings to prepare for the time when they might get cancer, and 2) People who, despite having savings, feel anxious about not having insurance.

What is the importance of considering both economic rationality and personal feelings when deciding on insurance?

Both economic rationality and personal feelings are important because they provide a balanced perspective on decision-making. Economic rationality provides a logical basis, while personal feelings account for individual emotions and comfort.

What is the average cost of cancer treatment according to the script?

According to the script, the average cost of cancer treatment is around 100,000 yen, and it is rarely more than 1 million yen.

What percentage of cancer patients complete their treatment within one year?

The script states that about 60% of cancer patients complete their treatment within one year.

How does the script address the fear of cancer and the decision to join cancer insurance?

The script addresses the fear of cancer by providing factual information about cancer treatment costs, survival rates, and the importance of early detection and treatment. It suggests that joining cancer insurance should be a personal decision based on a balance of economic rationality and personal feelings.

What is the script's stance on the necessity of cancer insurance for young people?

The script suggests that young people, particularly those in their 20s and 30s, have a lower risk of getting cancer and may not need cancer insurance, especially if they have sufficient savings and regular health check-ups.

What is the script's advice for self-employed individuals regarding cancer insurance?

For self-employed individuals, the script recommends having a larger amount of savings, around 3 to 4 million yen, to cover potential treatment costs and loss of income during treatment, as they may not have the same benefits as employed individuals.

What is the script's final recommendation on cancer insurance?

The script's final recommendation is that while cancer insurance may not be economically necessary for most people, especially if they have proper savings and regular health check-ups, it can be considered for those who still feel anxious about the risk of cancer.