两部门：进一步推动商业健康保险与基本医保的有效衔接

Core Viewpoint - The National Healthcare Security Administration and the Ministry of Human Resources and Social Security have issued new guidelines for the integration of commercial health insurance with the national basic medical insurance system, focusing on innovative drugs and their accessibility for patients [1][2] Group 1: Policy Implementation - Provincial healthcare security departments are required to implement the measures outlined in the notification regarding the support for high-quality development of innovative drugs [1] - The commercial health insurance directory for innovative drugs will not be covered by the medical insurance fund and will not be included in the self-pay rate indicators for designated medical institutions [1] Group 2: Support for Innovative Drugs - The application cases of innovative drugs listed in the commercial health insurance directory will not be included in the payment scope under the disease-based payment system, but can be reimbursed after review [1] - Provincial departments may explore the support for retail pharmacies to stock innovative drugs from the commercial health insurance directory and monitor pricing at medical institutions and retail pharmacies [1] Group 3: Multi-layered Medical Security System - Local healthcare departments are encouraged to promote the construction of a multi-layered medical security system and support the development of inclusive commercial health insurance [2] - Commercial insurance institutions are encouraged to design new products and adjust compensation methods based on the commercial health insurance directory to better meet patient medication needs [2]