商业健康保险创新药目录纳入医保调整方案

Group 1 - The National Healthcare Security Administration has developed guidelines for the adjustment of the basic medical insurance catalog and the commercial health insurance innovative drug catalog for 2025, indicating a more significant role for commercial health insurance in the multi-tiered medical security system [1] - The 2025 government work report emphasizes the need to deepen the reform of medical insurance payment methods and supports the development of innovative drugs by establishing an innovative drug catalog [1] - The guidelines outline the process for submitting applications for the adjustment of the drug catalogs, requiring detailed information about the drugs, including inclusion in supplementary commercial health insurance and pricing details [1] Group 2 - The aging population and the slowdown in medical insurance revenue growth have increased the necessity for reform in medical insurance payment methods, creating a broader space for the development of commercial health insurance [2] - As medical security demands rise, the diversification and personalization of medical supply will enhance the positive role of commercial health insurance in improving the multi-tiered medical security system and supporting the Healthy China initiative [2]