初审名单公布！商保创新药目录121个：百万元一针的抗癌药，五款CAR-T通过...

Core Viewpoint - The article discusses the introduction of a "dual directory" system for medical insurance and commercial health insurance in China, with the preliminary results for 2025 announced, highlighting the inclusion of 121 innovative drugs in the commercial health insurance directory [2][3][6]. Group 1: Dual Directory System - The "dual directory" system for medical insurance and commercial health insurance is officially established, marking a significant shift in the healthcare payment landscape [6][10]. - The preliminary review results for the 2025 medical insurance and commercial health insurance innovative drug directories have been released, with 121 drugs approved for the commercial health insurance directory [11][12]. Group 2: Innovative Drug Directory - The commercial health insurance innovative drug directory includes 121 drugs, focusing on high-value medications that are not covered by basic medical insurance, particularly targeting cancer and rare diseases [14][24]. - Among the approved drugs, five CAR-T therapies, which are high-cost cancer treatments, have been included, reflecting the directory's emphasis on addressing the needs for innovative therapies [24][26]. Group 3: Impact on Healthcare - The introduction of the commercial health insurance innovative drug directory aims to bridge the gap in coverage for innovative drugs, allowing patients to access high-cost treatments through commercial insurance [14][31]. - The integration of data between medical insurance and commercial health insurance is expected to facilitate synchronized billing and improve patient access to necessary medications [33][34]. Group 4: Market Trends - The rapid development of commercial health insurance products, such as million-dollar medical insurance plans, indicates a growing market for innovative drug coverage [23][30]. - The article highlights the significant increase in claims for innovative drugs, with companies like Ping An Health reporting a 70% year-on-year growth in special drug expenses [36].