上海推出18条新措施 进一步激发商业健康保险市场发展潜力

Group 1 - The Shanghai Financial Regulatory Bureau, in collaboration with various departments, has issued measures to promote the high-quality development of commercial health insurance to support innovation in the biopharmaceutical industry, outlining 18 specific work measures across five areas [1][2] - Shanghai aims to expand the coverage of commercial health insurance, diversify product offerings, and accelerate the development of commercial nursing insurance to establish a multi-tiered commercial health insurance product system [1] - The measures encourage the development of health insurance products tailored to specific groups such as the elderly, children, and those with chronic conditions, while also supporting insurance companies in enhancing health management services [1][2] Group 2 - The initiative includes plans to deepen the interconnectivity of medical, health insurance, and commercial insurance data, using clinical trial data and disease adaptation as pricing references for insurance companies [2] - Shanghai will innovate payment mechanisms for innovative drugs and medical devices, facilitating their integration into hospitals and insurance coverage, while ensuring that cases involving these innovations are not included in the disease-based payment scope [2] - The measures are expected to stimulate the commercial health insurance market, positioning it as a crucial pillar in the health protection system and a key participant in the multi-faceted payment system for new and superior drugs and devices [2]