百万元抗癌药进商保，能省多少钱？

Core Insights - The newly released National Medical Insurance Drug List and the first Commercial Insurance Innovative Drug List include five CAR-T products, attracting significant industry attention [1][2] Group 1: CAR-T Products and Pricing - The five CAR-T products included in the Commercial Insurance Innovative Drug List are priced around one million yuan each, with specific prices as follows: Fosun Kairui's Acalabrutinib at 1.2 million yuan, WuXi AppTec's Ruxolitinib at 1.29 million yuan, Reindeer Biotech's Ibrutinib at 1.166 million yuan, Huyuan Bio's Naxitamab at 999,000 yuan, and Kexing Life Science's Ziv-aflibercept at 1.15 million yuan [2][4] - Patients previously reported out-of-pocket expenses exceeding 800,000 yuan for CAR-T therapy, highlighting the financial burden before the inclusion in the insurance list [1][4] Group 2: Impact on Patients and Insurance - Following the inclusion of CAR-T products in the insurance list, patients can expect to reduce their out-of-pocket expenses to between 100,000 and 200,000 yuan after insurance reimbursement [2][4] - A case study of a patient who received over 800,000 yuan in reimbursement through a commercial health insurance policy illustrates the potential financial relief for patients undergoing CAR-T therapy [4][6] Group 3: Insurance Market Dynamics - The inclusion of CAR-T products in the insurance list is expected to lead to more health insurance products covering CAR-T therapy, with some existing policies already including partial coverage [5][8] - Current health insurance products that cover CAR-T therapy have varying premium costs, with basic plans starting around 69 yuan annually and more comprehensive plans exceeding 120 yuan [8][9] - The market for commercial health insurance is projected to grow, with estimates indicating that by the end of 2024, commercial medical insurance payouts for CAR-T therapies could exceed 190 million yuan [6][9]