国家医保局增设商保创新药目录，创新药迎来利好

Group 1 - The core viewpoint of the news is the release of the "Several Measures to Support the High-Quality Development of Innovative Drugs" by the National Medical Insurance Administration and the National Health Commission, which includes 16 measures to support the entire chain of innovative drug research and development, access, clinical use, and multi-payment systems [1] Group 2 - In terms of supporting innovative drug research and development, the measures emphasize the use of medical insurance data for R&D, fostering patient capital for innovative drugs, and enhancing policy guidance for drug access [1] - Regarding medical insurance access, the measures propose to reasonably determine the payment standards for innovative drugs, considering factors such as the burden on the insurance fund, clinical needs, patient benefits, market competition, and R&D investment [1] - The establishment of a commercial insurance innovative drug directory is highlighted as a significant step towards integrating basic medical insurance and commercial insurance, thereby improving the multi-tiered medication guarantee system [2] Group 3 - The commercial insurance innovative drug directory will allow for the inclusion of innovative drugs that exceed the basic insurance coverage, thus providing more development space for commercial health insurance [2] - The process for establishing the commercial insurance innovative drug directory will involve the National Medical Insurance Administration and will aim to reduce the administrative burden on companies by allowing simultaneous applications with the medical insurance directory [2][3] - The commercial insurance directory will respect the market position of commercial insurance companies, allowing them significant decision-making power in the evaluation and pricing of drugs [3]