新华时评｜民生药箱“保基本”还要更多元

Core Insights - The release of the dual directory for national medical insurance and commercial insurance marks a significant step in building a multi-tiered medical security system, enhancing the accessibility of essential medications while promoting diverse development [1][2] Group 1: National Medical Insurance Directory - The new national medical insurance drug list adds 114 new drugs, significantly improving coverage for key areas such as cancer, chronic diseases, mental health, rare diseases, and pediatric medications [1] - The dual directory approach maintains the principle of basic medical insurance while avoiding the impact of high-priced drugs on the insurance fund, thus encouraging the development of innovative drugs by companies [1] Group 2: Commercial Insurance Directory - The first version of the commercial insurance innovative drug directory includes 19 drugs, primarily those with high innovation and clinical value, reflecting the government's commitment to improving drug accessibility for the public [1] - The implementation of the dual directory is expected to create a win-win situation for multiple stakeholders, allowing patients to reduce their economic burden through commercial insurance while enhancing the enrollment rates for insurance providers [2] Group 3: Future Directions - Future efforts are needed to break down data barriers between basic medical insurance and commercial insurance, establishing a one-stop settlement system to better leverage the roles of both insurance types [2] - Continuous optimization and adjustment in practice are essential to ensure better health security for over 1.4 billion people [2]