上海18条措施激活商业健康险动能，“创新药械”被提及11次

Core Viewpoint - Shanghai has introduced a set of policies to enhance the development of commercial health insurance, aiming to meet diverse health protection needs and improve access to innovative medical products [3][4]. Group 1: Policy Measures - The measures include 18 specific initiatives across five areas to invigorate the commercial health insurance market and support the application of innovative drugs and medical devices [3][4]. - Key innovations mentioned include the establishment of a "regulatory sandbox" for pilot programs of innovative health insurance products and the exploration of a "co-insurance" model to support key sectors in Shanghai [4][5]. - The measures emphasize the importance of data sharing and tax incentives to bolster the development of commercial health insurance [4]. Group 2: Focus on Innovative Drugs and Medical Devices - The term "innovative drugs and medical devices" is highlighted 11 times in the measures, indicating its significance in the commercial health insurance landscape [4][5]. - Specific initiatives aim to streamline the clinical application of innovative drugs, ensuring they are included in insurance coverage without affecting basic medical insurance metrics [5][6]. - The measures encourage insurance companies to develop health insurance products that cater to various demographics and cover a broader range of innovative medical products [6]. Group 3: Market Growth and Impact - Data from the Shanghai Financial Regulatory Bureau shows a steady increase in the commercial health insurance market, with premium income rising from 26.5 billion yuan in 2019 to 40.468 billion yuan in 2024 [7]. - In the first half of 2025, health insurance premium income in Shanghai reached 24.403 billion yuan, reflecting a year-on-year growth rate of 5.8%, surpassing the national average [7]. - The introduction of these measures is expected to further stimulate the commercial health insurance market, positioning it as a crucial component of the health protection system and a key player in the multi-payment system for innovative medical products [7].