当前，商业医疗险市场正以差异化、专业化服务满足不同的需求。其中，惠民保、慢病险、中高端 医疗险 " 三分天下 " ，分别聚焦普惠覆盖、专项保障与品质服务，以不同的市场定位精准瞄准民众多元需 求，共同构建起多层次、广覆盖的医疗健康保障网，成为衔接基本医保、填补保障缺口的重要补充。 聚焦改善民生保障，"十五五"规划建议明确提出，"健全多层次医疗保障体系、深化健康中国建 设"。商业医疗险作为市场化保障的核心载体，正迎来政策赋能与需求升级的双重机遇期。 当前，我国人口老龄化进程加深、居民医疗需求向多元化品质化升级，叠加医保支付方式改革与医 保商保协同机制不断完善，共同推动商业医疗险市场加速告别同质化竞争，以差异化、专业化服务满足 不同的需求。 行业数据印证了这一发展趋势。2024年，医疗险规模首次超过重疾险，以约44%的占比成为健康险 市场第一大险种，行业由此迈入医疗险主导的专业化时代。其中，惠民保、慢病险、中高端医疗险"三 分天下"，分别聚焦普惠覆盖、专项保障与品质服务，以不同的市场定位精准瞄准民众多元需求，共同 构建起多层次、广覆盖的医疗健康保障网，成为衔接基本医保、填补保障缺口的重要补充。 惠民保：提质扩量持续 ...

民以食为天。11月15-16日，由中国小康建设研究会主办的第七届健康中国与食品安全发展大会在河北 省邢台市举办。大会围绕"推动食品产业升级筑牢全民健康根基"主题展开研讨。 大会同期还举办特色农产品推介展示，通过展示推介特色农产品，推动健康中国建设与乡村振兴战略有 机结合，促进农产品流通和销售，助力农民增收致富，为乡村振兴注入新活力。 中国小康建设研究会会长贾希为表示，要坚持源头治理，筑牢从田间到餐桌的全链条安全防线，只有夯 实了种养环节的基础，才能真正构筑起食品安全的坚固长城；科技是引领发展的第一动力，也是解决健 康与食品安全领域复杂问题的关键利器，要强化创新驱动，以科技力量赋能产业升级与风险防控；要完 善治理体系，提升食品安全现代化治理能力；要推动产业融合，构建高质量健康食品产业生态，通过构 建开放、协同、共享的产业生态体系，为筑牢全民健康根基提供源源不断的优质供给。 中国供销合作经济学会会长、第十三届全国人大农业与农村委员会副主任委员李春生说，随着生活水平 的提升，农食产业越来越受到重视。消费需求向提升品质、质量、营养方向转变，对食品安全提出了新 的更高要求。做好农产品生产，发展好食品产业，要以高质量供给 ...

（文章来源：经济日报） 耗材集采、跨省共济、医保购药……这些新概念的确切含义很多人或许并不清楚，但它们带来的好处已 经惠及千家万户。从试点、推广到常态化，每一个成果的取得，都表明我们向着"十四五"规划提出 的"全面推进健康中国建设"又进了一步。 从"十三五"到"十四五"，科技发展的指导思想从"3个面向"变为"4个面向"，增加的就是"面向人民生命健 康"。"十五五"规划建议再次强调"实施健康优先发展战略"。无论是药品、耗材价格大幅降低，还是"15 分钟医保服务圈"不断完善，一个又一个5年里，看得见的改变把民生保障网越织越密，托住了人民群众 稳稳的幸福。 我国始终坚持基本医疗卫生事业的公益属性，在不脱离发展实际的前提下，持续扩大服务范围、提高服 务标准。"十四五"时期，各项医保帮扶政策为农村低收入群体减轻费用负担超过6500亿元。同时，"药 品比价"等小程序全面上线，医保政务服务线上可办率从2020年的55%增长至2024年的92%。 ...

近日，在第八届中国国际进口博览会期间，由健康和人口发展战略研究院指导，中国人口与发展研究中 心、国家卫生健康委卫生发展研究中心、上海市卫生健康委主办的"全面推进健康中国建设：全链条支 持创新药发展"主题会举办。 健康和人口发展战略研究院学术委员会主席王培安表示，本次会议将进博会与健康中国建设相结合，为 全链条支持创新药发展提供沟通交流的机会。他提出四点建议：一是以开放促创新，共享中国超大规模 市场机遇，让全球创新药械通过进博会"快车道"惠及中国患者；二是以合作强链条，落实《支持创新药 高质量发展的若干措施》等政策，打造稳定透明的创新环境；三是以共赢拓未来，加强国际合作，推动 中国创新药"走出去"，共筑人类卫生健康共同体；四是以人民为中心，聚焦重大疾病和罕见病等领域研 发，提升基层医疗服务与药品可及性，让优质医疗资源更好惠及人民群众。 会上，与会专家就创新药发展相关议题进行了主旨演讲和圆桌对话。(经济日报记者吴佳佳) 国家卫生健康委财务司副司长、一级巡视员赵树理表示，国家卫生健康委高度重视生物医药产业的创新 与发展，坚持把创新药物研发摆在国家战略层面统筹规划，会同科技部、国家发展改革委、财政部、国 家医保局等部 ...

Group 1: Economic Development - The core task is to focus on high-quality development and comprehensively promote Chinese-style modernization [1] - Emphasis on implementing proactive macro policies to boost effective demand from the source [1] - Strengthening the domestic market as a strategic support for modernization [1] Group 2: Education Reform - The importance of foundational education reform to enhance national quality is highlighted [2] - A recommendation for a "dual-track" education system that integrates general and vocational education [2] - The need for cultural innovation and reform in the cultural industry to drive development [2] Group 3: Health and Well-being - The proposal to establish a health-first development system and integrate health into all policies [2] - Focus on promoting the coordinated development of medical services, insurance, and pharmaceuticals [2] Group 4: Environmental Protection - Commitment to ecological priority and green development, enhancing public satisfaction with the environment [3] - The need for a modernized approach to achieve harmony between humans and nature [3] Group 5: Food Security - Emphasis on strengthening food security amidst growing demand and resource constraints [3] - Recommendations for improving agricultural resource management and enhancing soil quality [3]

Group 1: Economic and Social Development - The core objective of the "14th Five-Year Plan" is to meet the growing needs of the people for a better life, emphasizing the importance of improving and safeguarding livelihoods [1] - Shandong province has seen urban employment exceed 1.2 million for nine consecutive years, highlighting its commitment to stabilizing employment for key groups [1] - The provincial government aims to enhance the employment service system and implement policies to support job creation and stability [1] Group 2: Healthcare and Social Security - Shandong is improving its healthcare system, with a stable insurance coverage rate of 95% among the resident population [2] - The province is focusing on enhancing elderly care services, with 216 facilities and 2,863 beds established in the Yanzhou area [2] - The healthcare infrastructure is being expanded, with a target of 7.55 hospital beds and 4.2 practicing physicians per 1,000 people [2] Group 3: Cultural and Community Engagement - The "One Yuan Theater" initiative in Heze has successfully provided affordable cultural performances, reaching over 200,000 attendees in six years [3] - The initiative aligns with the goal of promoting equal access to basic public services and enhancing community cultural engagement [3] - The province is committed to fostering cultural innovation and enriching the spiritual lives of its citizens through various cultural programs [4]

Core Insights - The 2025 People's Health Conference was held in Beijing on October 26, focusing on innovative experiences and achievements since the implementation of the Healthy China initiative [1][10] - Key discussions included AI empowerment in health management, the development of aging services, and the need for age-friendly renovations [1][4] Group 1: Health Management and Innovation - The "2025 Healthy China Innovation Practice Case Library" was launched to document innovative practices across various regions and sectors [1][10] - The conference emphasized the importance of integrating health into policy frameworks and maintaining a focus on preventive health measures [7] Group 2: Aging Population and Home Care - Addressing population aging is a pressing social issue, with 99% of elderly individuals preferring home care, yet facing challenges due to unsuitable living environments [5] - The Beijing Development and Reform Commission is promoting age-friendly home renovations to enhance the quality of life for the elderly [5][6] - The Chinese Aging Industry Association is working on standards for home renovations and expanding the elderly care industry, which is seen as a new growth area for the economy [6] Group 3: Community Engagement and Sports - The National Sports Administration is increasing investment in public fitness services to meet the diverse needs of the population and improve overall quality of life [4] - There is a call for societal support for community sports to promote health and well-being among the population [4] Group 4: Health Management for the Elderly - Recommendations for improving elderly health management include non-pharmaceutical approaches such as health risk screening and lifestyle management [8] - The focus is on enhancing home safety and comfort for elderly individuals through targeted renovations [8]

Policy Developments - The "14th Five-Year Plan" emphasizes accelerating the construction of a Healthy China, implementing a health-first development strategy, and enhancing public health capabilities [2] - The plan aims to improve the healthcare system, promote the integration of traditional Chinese and Western medicine, and support the development of innovative drugs and medical devices [2] Drug and Device Approvals - Shanghai Pharmaceuticals' bromide pyridostigmine sustained-release tablets have received production approval from the National Medical Products Administration, which is expected to enhance market share and competitiveness [3] - The company has invested approximately RMB 16.009 million in the research and development of this drug [3] Financial Reports - Fosun Pharma reported a 26% year-on-year increase in net profit for the first three quarters of 2025, despite a 4.91% decline in revenue [4] - Haisheng Pharmaceutical achieved a 40.89% increase in revenue and a 47.16% increase in net profit for the first three quarters of 2025 [5] Capital Market Activities - New Tian Di has entered a strategic cooperation agreement with Nanjing Zhihe Pharmaceutical to develop GLP-1 long-acting peptide innovative drugs [6][7] - WuXi AppTec signed strategic cooperation memorandums with NEOM and the Saudi Ministry of Health to explore localized new drug R&D and production services [8] Industry Events - The results of the 11th batch of national drug centralized procurement were announced, including 55 drugs aimed at stabilizing clinical needs and ensuring quality [9][10] - The procurement process has raised the qualification thresholds for bidding companies and aims to prevent collusion in pricing [10] Intellectual Property Developments - The Deputy Director of the National Intellectual Property Administration of China met with representatives from the International Pharmaceutical Alliance to discuss patent protection and dispute resolution mechanisms [11] Shareholder Actions - BioVeda, a major shareholder of AoJing Medical, has completed a share reduction plan, selling 1.3555 million shares, which represents 1% of the company's total equity [12]

Employment and Income Distribution - The proposal emphasizes the implementation of an employment-first strategy to promote high-quality and sufficient employment, focusing on creating a job-friendly development model [3][4] - It aims to enhance the coordination between industry and employment, support the cultivation of new jobs, and improve the human resources supply-demand matching mechanism [4] - The income distribution system will be improved to increase the proportion of residents' income in national income distribution and enhance labor remuneration in primary distribution [8][12] Education Development - The proposal outlines the implementation of a moral education project, integrating ideological and social education, and enhancing physical, aesthetic, and labor education [13][15] - It aims to expand the coverage of free education and explore extending the duration of compulsory education [15][16] - The focus is on improving vocational education and expanding high-quality higher education enrollment [17][19] Social Security System - The proposal calls for the establishment of a nationwide basic pension insurance system and the development of a multi-tiered pension insurance system [22][24] - It emphasizes the need to expand unemployment and work injury insurance coverage and improve the social security transfer and connection policies [23][24] - The aim is to enhance the social assistance system and provide better services for vulnerable groups such as the elderly and disabled [27][28] Real Estate Development - The proposal seeks to accelerate the construction of a new model for real estate development, optimizing the supply of affordable housing to meet the basic housing needs of urban workers and disadvantaged families [32][33] - It emphasizes the importance of implementing safety and quality improvement projects for housing [34] Health and Population Development - The proposal promotes a health-first development strategy, enhancing public health capabilities and improving the healthcare system [35][36] - It aims to address population aging by developing a coordinated policy mechanism for elderly care and optimizing basic elderly services [42][43] - The focus is on improving maternal and child health services and promoting family-friendly policies to reduce the cost of child-rearing [41][39]

Core Viewpoint - The article discusses the release of the "Suggestions on Formulating the 15th Five-Year Plan for National Economic and Social Development," emphasizing various measures aimed at improving employment, income distribution, education, social security, and public services in China [1][2]. Employment and Income Distribution - The plan aims to promote high-quality and sufficient employment by implementing an employment-first strategy, enhancing the employment promotion mechanism, and fostering a job-friendly development model [6]. - It emphasizes the need to improve the income distribution system, advocating for a primary distribution mechanism based on market evaluation and contribution, and increasing the proportion of residents' income in national income distribution [6]. Education - The article highlights the importance of providing satisfactory education, focusing on integrating moral education with practical learning, enhancing physical, aesthetic, and labor education, and improving the education evaluation system [5]. - It also calls for expanding educational resources in urban areas, increasing the scope of free education, and enhancing the quality of basic and higher education [9]. Social Security - The plan outlines the need to establish a comprehensive social security system, including improving the pension insurance system, expanding medical insurance coverage, and enhancing the social assistance framework [7][10]. - It emphasizes the importance of ensuring the rights and interests of vulnerable groups, such as the elderly, children, and disabled individuals [7]. Public Services - The article stresses the need for equalization of basic public services, advocating for a standardized evaluation system and ensuring that public services reach rural and underserved areas [12][16]. - It highlights the importance of improving public health services, including enhancing disease control capabilities and promoting mental health services [10].