上海团险版商保目录呼之欲出，新型团险产品预计下半年面市

Core Viewpoint - The article discusses the challenges and opportunities in promoting group insurance coverage for innovative drugs and medical devices in Shanghai, following the release of new policies aimed at enhancing the commercial health insurance market [2][12]. Group 1: Policy and Market Development - Shanghai's new measures encourage the development of group health insurance products that cover innovative drug and device costs, allowing the use of employees' personal medical accounts for these products [2][14]. - Several leading commercial health insurance companies are collaborating to develop new group insurance products, with multiple innovative products expected to launch in the second half of the year [2][5]. - The new group insurance products will introduce a group insurance version of the commercial insurance drug list, focusing on coverage outside of basic medical insurance [2][4]. Group 2: Product Design and Market Needs - The new group insurance products are not intended to replace existing market products but aim to meet various stakeholder demands, including employee benefits upgrades and innovative drug payment channels [3][11]. - The design of the new group insurance products will be market-driven, with a focus on innovative drug cost coverage and alignment with basic medical insurance [4][6]. - The insurance companies are considering the actual needs of employees when selecting drugs for the new insurance product's drug list, aiming to balance coverage for chronic and common diseases with innovative treatments [5][6]. Group 3: Risk Management and Pricing - Insurance companies are cautious about the potential increase in claims due to the inclusion of innovative drugs and are evaluating the risks associated with high-cost medications [7][8]. - The pricing of new group insurance products is expected to remain within the range of 1,000 to 2,000 yuan, balancing affordability for enterprises and the sustainability of the insurance model [8][9]. - The development of these products will leverage big data from medical insurance to better assess medical costs and risks, ensuring a more precise pricing strategy [9][10]. Group 4: Market Demand and Challenges - There is a strong interest from enterprises in the new group insurance products, particularly regarding the accessibility of innovative drugs and support for purchasing original medications [10][11]. - The implementation of these new products faces challenges, including whether enterprises will allocate additional budgets for enhanced coverage and how employees will respond to potential changes in insurance offerings [10][11]. - The potential market for group insurance is significant, with a large number of employees in Shanghai and many enterprises yet to activate their group insurance needs [12][14].