全国首版商业保险创新药品目录发布，“深圳惠民保”率先落地

Core Insights - The first national commercial insurance innovative drug directory for 2025 has been released, including 19 high-value innovative drugs covering key treatment areas such as oncology, rare diseases, and neurodegenerative diseases [1][3][4] - Shenzhen's "Shenzhen Huiminbao" has proactively included all 19 innovative drugs in its coverage for 2025, significantly reducing out-of-pocket expenses for insured residents when using these drugs [1][2][3] Summary by Sections National Drug Directory - The newly published commercial insurance innovative drug directory serves as a supplement to basic medical insurance, focusing on drugs with high innovation, significant clinical value, and substantial patient benefits that exceed the coverage of basic medical insurance [1][4] - Included drugs feature CAR-T therapies for cancer treatment, medications for rare diseases like Gaucher disease, and drugs for Alzheimer's disease, which has garnered significant public attention [1][4] Shenzhen Huiminbao - "Shenzhen Huiminbao" has achieved full coverage of the 19 innovative drugs, providing a crucial supplement to the existing medical insurance framework in Shenzhen [1][4] - The insurance plan supports a "one-stop settlement" service, alleviating the financial burden on insured individuals when seeking medical treatment [2][4] - The program has been operational for three years, maintaining a public welfare characteristic with no restrictions on age, occupation, or health status, allowing for an annual premium of 88 yuan for coverage exceeding 4 million yuan [5] - As of 2025, the number of insured individuals has surpassed 6.15 million, with a total of over 18 million insured instances in three years [5]