国家医保局黄心宇：医保和商保将在保障范围、数据、结算、监管进行协同

Core Viewpoint - The National Healthcare Security Administration (NHSA) is promoting collaboration between basic medical insurance and commercial health insurance to address challenges faced by the latter, focusing on areas such as coverage, data, settlement, and regulation [1] Group 1: Coverage Collaboration - The NHSA aims to explore the support of commercial health insurance in conjunction with basic medical insurance, establishing a clear boundary for basic medical insurance coverage to allow room for the development of commercial health insurance [1] - The initiative includes the establishment of an innovative drug directory for commercial insurance as a starting point [1] Group 2: Data Collaboration - The NHSA emphasizes the importance of data collaboration, ensuring data security and privacy while promoting the application of medical insurance data in the commercial health insurance sector [1] - This collaboration aims to facilitate rapid underwriting and claims processing for commercial health insurance products [1] Group 3: Settlement Collaboration - The NHSA is exploring synchronized settlement processes between basic medical insurance and commercial health insurance, enabling patients to achieve simultaneous settlement at medical institutions when purchasing relevant commercial insurance [1] Group 4: Regulatory Collaboration - The NHSA plans to share its intelligent regulatory platform and capabilities to gradually achieve coordinated regulation between basic medical insurance and commercial health insurance [1] - This effort aims to ensure the reasonable use of funds in commercial health insurance and maintain its stable operation [1]