商保医保协同发展，构建创新药械多元支付新格局

Core Viewpoint - The Chinese government is actively exploring multiple payment mechanisms for innovative drugs and medical devices to meet the diverse medical needs of the population, with a focus on integrating commercial health insurance into the payment ecosystem for innovative drugs [1][2]. Group 1: Policy Initiatives - The government has introduced a series of policies this year aimed at promoting the development of innovative drugs, particularly addressing accessibility issues by supporting their inclusion in medical insurance and commercial health insurance directories [1]. - The establishment of a multi-layered and collaborative payment ecosystem is deemed crucial for the "Healthy China" initiative, requiring collective efforts to resolve payment challenges for innovative drugs [1]. Group 2: Role of Commercial Health Insurance - Commercial health insurance is seen as a new driving force for the innovative pharmaceutical industry, especially in light of basic medical insurance's limitations in covering innovative drugs [1][2]. - The introduction of an innovative drug directory marks the beginning of commercial insurance's strategic involvement in purchasing innovative drugs, fostering a symbiotic relationship between the insurance and pharmaceutical industries [1][2]. Group 3: Future Payment Systems - A proposal has been made to reconstruct the payment system for the entire lifecycle of innovative drugs, encompassing access, payment, patient management, and research, to enhance the accessibility of innovative drugs and the sustainability of insurance services [2]. - The collaboration between insurance companies and pharmaceutical firms is expected to involve dynamic pricing based on various data sources, ensuring product stability and sustainable coverage [3]. Group 4: Data Security and Collaboration - It is essential for insurance companies and pharmaceutical firms to establish robust data security and pricing confidentiality mechanisms to facilitate sustainable cooperation [3].