医保、商保药品双目录公布，新目录支持真创新

Core Viewpoint - The recent adjustment of the National Medical Insurance Drug List and the Commercial Health Insurance Innovative Drug List signifies the successful completion of the annual national medical insurance drug negotiation process, emphasizing the goals of "filling gaps, encouraging innovation, and optimizing structure" [1][10]. Group 1: Drug List Adjustments - A total of 114 new drugs were added to the list, with 111 being newly launched within the last five years, representing 97.3% of the additions, including 50 first-class innovative drugs [2][11]. - The total number of drugs in the directory has increased to 3,253, with 1,857 Western medicines and 1,396 traditional Chinese medicines, significantly enhancing the coverage for critical areas such as cancer, chronic diseases, and rare diseases [2][11]. - The new directory includes drugs that address gaps in basic medical insurance, such as treatments for triple-negative breast cancer, pancreatic cancer, and lung cancer, as well as medications for rare diseases and chronic conditions [2][11]. Group 2: Support for Innovation - The negotiation success rate for this year reached 88.19%, the highest in recent years, with 127 drugs participating and 112 achieving success, indicating a strong support for genuine innovation [4][13]. - The selection process for drugs involved strict evaluations, with only 41.48% of the 331 drugs reviewed passing the expert assessment, reflecting a focus on high-quality submissions [5][14]. - The pricing assessment for drugs is based on their clinical value, with a higher willingness to pay for drugs that demonstrate significant clinical benefits, aligning with the principle of "paying more for quality life" [6][14]. Group 3: Commercial Health Insurance - The first version of the commercial health insurance innovative drug directory includes 19 high-priced innovative drugs, aimed at establishing a multi-tiered insurance system [8][16]. - The directory is designed to enhance the attractiveness of insurance products, potentially increasing the insurance uptake and improving the profitability structure of insurance companies [9][17]. - The commercial insurance directory complements the basic medical insurance list, facilitating a clearer distinction in coverage and promoting the development of a multi-layered medical insurance system [9][17].