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 directory adds 114 new drugs, significantly improving coverage for key areas such as cancer, chronic diseases, mental health, rare diseases, and pediatric medications [1] - The approach of combining basic medical insurance with commercial insurance reflects the government's commitment to improving drug accessibility for the public and addressing diverse medication needs [1] Group 2: Commercial Insurance Innovation Directory - The first version of the commercial insurance innovation drug directory includes 19 drugs, primarily those with high innovation and clinical value [1] - The dual directory system maintains the principle of basic medical insurance while creating new pathways for high-value innovative drugs, thus encouraging pharmaceutical companies to invest in research and development [1] Group 3: Future Implications - The implementation of the dual directory is expected to create a win-win situation for multiple stakeholders, allowing patients to reduce their financial burden through commercial insurance while benefiting from policies supporting hospitalization for drugs in the commercial insurance innovation directory [2] - 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 in safeguarding public health [2]