Core Viewpoint - The article emphasizes the need for improved accessibility and affordability of high-value innovative drugs in China, particularly through the collaboration of commercial health insurance and public health insurance systems [3][4][6]. Group 1: Accessibility of Innovative Drugs - The issue of accessibility to innovative drugs is highlighted, with China ranking second globally in the number of innovative drugs launched, yet facing significant challenges in their adoption and payment [3]. - In December 2025, the National Healthcare Security Administration introduced the "Commercial Health Insurance Innovative Drug Directory," which includes 19 high-value innovative drugs that are not covered by basic medical insurance, promoting a dual-track payment system [3][4]. - Despite the introduction of the commercial insurance directory, challenges remain in the clinical implementation of these drugs, including insufficient prescription guidelines and limited risk management by insurance companies [3][4]. Group 2: Recommendations for Improvement - Recommendations include granting commercial health insurance companies the authority to develop guidelines and clinical pathways for high-value innovative drugs, fostering a collaborative governance model [3][4]. - Suggestions also include optimizing performance metrics for public hospitals to enhance the application of innovative drugs and allowing hospitals to accept funding from commercial insurance [4][5]. Group 3: Development of Huimin Insurance - Huimin insurance has gained importance in alleviating high medical costs for the public, but it faces challenges such as limited drug coverage and insufficient funding [6][7]. - Recommendations for Huimin insurance include promoting personal account payments, exploring diverse funding sources, and transitioning from a universal to a more targeted approach in coverage [6][7]. - The article suggests expanding the coverage of innovative drugs within Huimin insurance and encouraging the development of specialized insurance products that align with Huimin insurance [7]. Group 4: Integration of Services - The article discusses the need for better integration of insurance services with healthcare and elderly care, especially in the context of an aging population [8]. - It suggests that insurance product development should focus on combining commercial pension insurance with care services, and health insurance with health management services [8]. - Recommendations include enhancing information sharing between insurance companies and relevant government departments and healthcare institutions to ensure sustainable product offerings for the elderly [8].