首版！商保创新药目录19个：百万元一针的抗癌药，五款CAR-T纳入，有哪些影响？

Core Viewpoint - The article discusses the implementation of a "dual directory" for medical insurance in China, which includes a basic medical insurance directory and a commercial health insurance innovative drug directory, effective from January 1, 2026. This aims to enhance access to high-value innovative drugs that are not covered by basic insurance [2][5][10]. Group 1: Innovative Drug Directory - The first version of the commercial health insurance innovative drug directory includes 19 drugs, comprising 14 cancer treatment drugs and 2 Alzheimer's drugs [6][10]. - The inclusion of drugs in the commercial health insurance innovative drug directory requires price negotiations, with expected price reductions of 20%-40% [16][21]. - The directory aims to address the needs for high-value drugs that exceed the basic medical insurance coverage, thereby alleviating the financial burden on patients [5][13]. Group 2: Impact on Patients and Insurance - The commercial health insurance innovative drug directory is not subject to DRG/DIP payment restrictions, facilitating better access to these drugs [22][24]. - The integration of "medical insurance + commercial insurance" is expected to streamline the settlement process for patients, reducing their financial and time burdens [25][28]. - The article highlights three benefits for consumers: access to drugs without DRG/DIP limitations, potential for one-stop settlement, and the establishment of a consistent drug list across insurance companies [22][25][26].