基本医保和商保创新药目录发布，19种药纳入首版商保创新药目录

Core Insights - The 2025 National Basic Medical Insurance, Maternity Insurance, and Work Injury Insurance Drug Catalog was released, adding 114 new drugs, including 50 innovative drugs, with an overall success rate of 88%, significantly up from 76% in 2024 [1][2] - The first version of the Commercial Health Insurance Innovative Drug Catalog was also published, including 19 drugs, such as CAR-T therapies and treatments for rare diseases, complementing the basic medical insurance [4][5] Group 1: National Basic Medical Insurance Catalog - The 2025 National Basic Medical Insurance Catalog is the 8th adjustment since the establishment of the National Medical Insurance Bureau, increasing the total number of drugs to 3,253, with 1,857 Western medicines and 1,396 traditional Chinese medicines [2][3] - The new catalog includes drugs that fill gaps in basic medical insurance coverage for major diseases like triple-negative breast cancer and pancreatic cancer, as well as treatments for chronic diseases such as diabetes and autoimmune diseases [2][3] - The adjustment also removed 29 drugs that are either not clinically available or can be replaced by better alternatives [2] Group 2: Commercial Health Insurance Innovative Drug Catalog - The first version of the Commercial Health Insurance Innovative Drug Catalog will be implemented on January 1, 2025, focusing on innovative and cutting-edge drugs, including CAR-T and TCE therapies [4][6] - The catalog aims to clarify the boundary of basic medical insurance coverage and promote the development of a multi-tiered medical insurance system [4][7] - The National Medical Insurance Bureau emphasizes the importance of supporting innovative drugs while maintaining the basic insurance's focus on essential and reliable treatments [6][7] Group 3: Support for Innovation and Market Dynamics - The National Medical Insurance Bureau has been actively supporting innovative drugs, holding multiple meetings to discuss the integration of innovative drugs into insurance coverage [3][6] - The commercial health insurance market has been growing rapidly, with a premium income of 977.3 billion yuan in 2024, reflecting an 8.2% year-on-year increase [7] - The establishment of the Commercial Health Insurance Innovative Drug Catalog is expected to provide a stable outlet for innovative drugs, enhancing their accessibility [7][8]