Core Points - Shanghai has introduced measures to promote the high-quality development of commercial health insurance, aimed at supporting innovation in the biopharmaceutical industry and enhancing public health insurance services [1] - The measures include 5 areas and 18 specific actions to improve the accessibility and affordability of innovative drugs and medical devices, addressing the diverse health protection needs of citizens [1] Summary by Categories Policy Measures - The measures focus on deepening the payment mechanism for innovative drugs and medical devices, facilitating their entry into hospitals, directories, and prescriptions [1] - Cases involving innovative drugs within the scope of commercial health insurance will not be included in the disease-based payment range, encouraging insurance companies to use clinical trial data for pricing [1] Technological Integration - Shanghai will enhance the functionality of the "Shanghai Insurance Code" to optimize the synchronous settlement model between public health insurance and commercial insurance [1] - The initiative aims to improve direct compensation service processes and establish an active compensation system that integrates medical, health insurance, and commercial insurance data [1] Impact on Health Insurance - The introduction of these measures is expected to further establish commercial health insurance as a crucial pillar of the public health protection system, providing citizens with more comprehensive, diverse, and convenient health coverage [1]

Group 1 - The core viewpoint of the article is the issuance of measures to promote the high-quality development of commercial health insurance, which aims to support innovation in the biopharmaceutical industry [1] - The measures emphasize the enhancement of the application of medical insurance data in commercial insurance settlements, optimizing the synchronous settlement model between medical insurance and commercial insurance [1] - The initiative includes the collaboration with the "Shanghai Insurance Code" platform to improve direct compensation service processes and expand access to more medical institutions and commercial health insurance products [1] Group 2 - The measures aim for full coverage of secondary and tertiary hospitals and explore extending direct compensation services to special departments and international departments of hospitals [1] - The "Shanghai Insurance Code" will be improved to enhance its "one code for all compensation" functionality, utilizing blockchain technology to build an active compensation system between medical insurance and commercial insurance [1] - The initiative also focuses on ensuring the traceability of the entire process through authorized information, transaction records, and claims results being recorded on the blockchain, thereby increasing the transparency and efficiency of the claims service [1]

Core Viewpoint - The article discusses the issuance of measures to promote the high-quality development of commercial health insurance and support innovation in the biopharmaceutical industry in Shanghai [1] Group 1: Policy Measures - Multiple authorities in Shanghai have collaborated to issue measures aimed at enhancing the commercial health insurance sector [1] - The measures emphasize the development of the "Shanghai Insurance Code" digital insurance platform to facilitate various functions such as product supply-demand matching and claims settlement [1] - There is a focus on enriching the supply of commercial health insurance products and optimizing service processes through the promotion of the "Shanghai Insurance Code" mini-program [1] Group 2: Technological Integration - The initiative aims to create a matching engine that aligns personal health insurance profiles with the characteristics of health insurance products [1] - The integration of basic medical insurance and commercial health insurance is highlighted as a key aspect of the proposed measures [1]

Core Insights - Inclusive insurance plays a crucial role in enhancing social welfare, promoting balanced economic development, and improving living standards in Shanghai [1] Group 1: Market Overview - As of the end of Q1 2025, the "Shanghai Insurance Code" has nearly 1.5 million registered users, generating over 200 million yuan in premiums and providing risk coverage exceeding 500 billion yuan [1] - The Shanghai insurance industry has launched various inclusive insurance projects such as "Huibao," "Hujia Bao," and "Huyebao," focusing on enhancing insurance protection for specific groups [1] Group 2: Pension and Health Insurance - By the end of 2024, Shanghai's personal pension account numbers and contributions are expected to rank among the top in the country, with contributions exceeding 15 billion yuan and over 87,600 insurance products purchased [1] - The "Silver Care" project has maintained a stable premium of 20 yuan while expanding coverage from 2 to 13 items, effectively addressing the insurance needs of 13.6 million elderly individuals [2] Group 3: Product Innovations - The "Hujia Bao" family comprehensive insurance has insured 814,300 households, providing risk coverage of 579.037 billion yuan, with a case settlement rate of 96.44% [3] - The "Huyebao" project has provided risk coverage of nearly 10 billion yuan to around 5,000 small and micro enterprises, with plans to develop a digital platform for inclusive insurance [3] - The newly launched "Huqibao" electric bicycle insurance aims to create a comprehensive risk protection system, offering significant coverage for a low premium [4]

Core Insights - The Shanghai Insurance Association and Shanghai Insurance Society held a press conference focused on "Innovation Driving Inclusive Finance to Enhance the Quality and Coverage of Shanghai's Insurance Industry in Serving People's Livelihood" [1] Group 1: Digital Platform Development - The Shanghai Financial Regulatory Bureau, with support from the Municipal Medical Insurance Bureau and the Municipal Big Data Bureau, is promoting the establishment of the "Shanghai Insurance Code" digital platform, which covers the entire service process including policy inquiries, underwriting claims, and service provision [1] - The "Shanghai Insurance Code" has been integrated into the "Shangyinban" platform, optimizing the application scenarios for citizens to access insurance services [1] Group 2: User Engagement and Financial Impact - As of the end of Q1 2025, the "Shanghai Insurance Code" has registered nearly 1.5 million users, generating over 200 million yuan in premium income and providing risk coverage exceeding 500 billion yuan [1]