金融监管总局：正研究制定《关于提升健康保险服务保障水平的指导意见》

Group 1 - The Financial Regulatory Administration is developing guidelines to enhance health insurance services, focusing on aligning supply and demand, improving industry capabilities, strengthening regulation, and optimizing the development environment for health insurance [1] - Commercial health insurance has become a significant payment method for innovative drugs, with total compensation for innovative drugs expected to reach approximately 12.4 billion in 2024, reflecting a compound annual growth rate of 103% over three years [1] - The ongoing reforms in payment methods and policies are expected to gradually resolve the challenges related to hospital admissions for insured drugs, thereby improving accessibility to innovative drugs [1] Group 2 - The Financial Regulatory Administration supports pilot reforms in commercial health insurance, encouraging local initiatives to explore solutions for data sharing, chronic disease coverage, and multi-tiered care systems [2] - Efforts are being made to promote interoperability between commercial health insurance and medical data, with a focus on one-stop settlement for medical expenses to enhance patient experience [2] - The National Medical Insurance Bureau is exploring the integration of medical insurance data to empower insurance companies and facilitate synchronized settlements between medical insurance funds and commercial insurance [2]