让线上医保购药更加便民高效，关键在于"便捷"与"安全"并行。各地医保部门应坚持线上线下同标同 责，推动医保编码与药品目录动态对齐，优先将慢病常用药与必要医疗器械纳入线上可购范围，进一步 贯通电子处方、互联网复诊和医保结算环节，打通各环节关键节点，以数据流转效率提升服务响应速 度。 "足不出户、即买即得、医保支付"的外卖购药模式，如今已成为不少群众的购药新选择。最新数据显 示，目前全国已有40多个城市陆续试点医保个人账户线上购药，成为医保服务数字化转型的有益探索。 提速不能失稳，安全监管必须同步跟进。依托数字化手段，有助于强化价格公示与不公平定价监测，防 范假药流通、违规刷保等风险，实现全过程、全链条闭环监管，守牢医保基金安全底线。通过建立风险 预警机制、实现购药行为可追溯、落实责任倒查制度，让线上医保购药的每一个环节都有据可查、有责 可追。 即时配送的便捷与医保报销的实惠，改善了群众购药体验。不过，试点过程中也发现一些卡点，比如部 分慢性病处方药、康复器械等仍未列入线上销售目录，导致群众想买买不到；各地区线上线下药品名录 不一致、医保编码未打通、药店接入不均衡等问题突出；信息系统集成度不高、处方流转机制不畅， ...

智通财经APP获悉，财通证券发布研报称，首次覆盖京东健康(06618)，给予"买入"评级，预计公司 2025-2027年收入分别为709/824/942亿元，经调整归母净利润分别为57/62/72亿元。公司作为国内医药电 商龙头，供应链及履约优势显著，未来将持续受益于医药品类线上化率提升及医保在线支付权限开放等 利好，看好其长期投资价值。 财通证券主要观点如下： 医药电商为基，协同医疗服务打造全场景健康管理平台 京东健康于2018年成立，是京东集团旗下专注于医疗健康业务的子集团，公司致力于打造以医药及健康 产品供应为核心，医疗服务为抓手，覆盖用户全生命周期全场景的健康管理平台。公司依托集团主站流 量、供应链能力与物流体系建立显著优势，目前已经成为国内收入规模最大的医药健康零售渠道。 线上医保购药权限放开成为行业中短期重要催化因素 自2020年国家医保局发布《关于积极推进"互联网+"医疗服务医保支付工作的指导意见》起，各地区陆 续通过不同形式落实相关政策，2024年各地区逐步向主流线上购药平台开放线上医保结算权限，构建重 要流量入口。医保控费政策延续，未中标集采的原研药企或调整策略，转向私立医院、零售药店或自费 ...

Core Insights - The article discusses the growing trend of online purchasing of over-the-counter medications using personal health insurance accounts in major Chinese cities, highlighting the convenience and cost-effectiveness of this method [1][2] - Despite the advantages, there are significant limitations in the types of medications available for online purchase, particularly the exclusion of prescription drugs and medical devices, which has led to public dissatisfaction [1][2] Group 1: Online Medication Purchase Advantages - Online medication purchasing allows for 24-hour instant ordering and delivery, eliminating the need for hospital visits and long queues [1] - The combination of convenience and health insurance reimbursement has led to high user retention and increased frequency of use in trial cities [1] Group 2: Limitations and Challenges - The current online health insurance purchasing system primarily supports only over-the-counter medications, leaving out essential prescription drugs and medical devices [1][2] - Issues such as the potential for illegal resale of medications online pose significant challenges to the promotion and widespread adoption of online health insurance purchasing [2] Group 3: Recommendations for Improvement - To enhance the online purchasing experience, it is crucial to expand the range of medications eligible for online health insurance payment, aligning it more closely with offline offerings [2] - Implementing technologies like facial recognition and drug traceability codes can help ensure the security of health insurance funds and improve regulatory oversight [2] - Promoting fair pricing through initiatives like the National Health Insurance Administration's drug price comparison app can help prevent price manipulation and ensure equitable access to medications [2]