医保商保“双目录”发布，老百姓看得起病的“双保险”来了

Core Insights - The recent adjustment to the national medical insurance directory emphasizes support for innovative drugs, with 114 new drugs added, 111 of which are newly approved within the last five years, marking a historic high for innovative drugs not previously listed domestically or internationally [1][3] - The introduction of the "Commercial Health Insurance Innovative Drug Directory" includes 19 innovative drugs, primarily targeting high clinical value and significant patient benefits, which will help fill gaps in basic medical insurance coverage [1][4] Group 1: Innovative Drug Support - The adjustment to the basic medical insurance directory focuses on innovative drugs, with over 70% of the newly added drugs being domestically developed, showcasing China's advancements in certain therapeutic areas [1][3] - The percentage of newly listed drugs in the medical insurance directory that were launched within the last five years has increased from 32% in 2019 to 98% in 2024, indicating a strong shift towards supporting innovation [3] Group 2: Commercial Health Insurance Directory - The newly established "Commercial Health Insurance Innovative Drug Directory" serves as a guide for patients and insurers, allowing for better access to high-priced innovative drugs that are not covered by basic medical insurance [4][5] - The directory includes a significant number of cancer treatments, including CAR-T therapies, which are crucial for patients with difficult-to-treat conditions, thus addressing the financial burden on families [5][6] Group 3: Impact on Patients and Healthcare System - The inclusion of innovative drugs in the insurance directory is expected to reduce out-of-pocket expenses for patients, making treatments more accessible and encouraging hospitals to prescribe these high-cost medications without hesitation [6][7] - The dual-directory system aims to create a multi-tiered medical insurance framework, where basic insurance covers essential needs while commercial insurance supplements coverage for innovative treatments, ultimately reducing the financial burden on patients [7]