金融监管总局：正在研究制定《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 has responded to a proposal regarding the development of multi-level commercial health insurance, indicating that ongoing reforms in payment methods and policies will gradually resolve issues related to the accessibility of innovative drugs [1] - Commercial health insurance is becoming an important payment method for innovative drugs beyond basic medical insurance, with the total compensation amount for innovative drugs expected to reach approximately 12.4 billion in 2024, reflecting a compound annual growth rate of 103% over the past three years [1] Group 2 - The Financial Regulatory Administration is formulating guidelines to enhance the service and protection levels of health insurance, focusing on improving supply-demand matching, enhancing industry operational capabilities, and optimizing the development environment for health insurance [2] - The administration supports pilot reforms in commercial health insurance, encouraging local initiatives to explore data integration, chronic disease coverage, and multi-level care systems, aiming to create replicable practices for broader implementation [2] Group 3 - The Financial Regulatory Administration is promoting the integration of commercial health insurance with medical, health insurance, and pharmaceutical data, including a three-year action plan for information sharing among healthcare institutions [3] - The administration aims to enhance the development of commercial health insurance by encouraging innovation, enriching product offerings, and improving the coverage of innovative drugs to support high-quality medical innovation [3]