"双目录"的落地，将带来多方共赢的局面。患者可以通过购买相应的商业保险产品，报销部分医药费 用，减轻经济负担；进入商保创新药目录的药品，可以享受医保等部门支持入院的政策；商业保险可以 通过纳入商保创新药目录药品，提高参保率。 如何平衡普惠公平与多元选择、兼顾用药可及性与产业创新动力，是医保领域的一道难题。此次商保创 新药目录的发布，正是对这一难题的一次有效破题。 "双目录"双轨协同，既坚守了基本医保"保基本"的原则，避免高价药对基金池造成冲击，也为高值创新 药开辟新通道，保护企业研发创新药的积极性。 新华社北京12月9日电 2025年国家医保药品目录及首版商保创新药目录日前发布。首次发布医保商 保"双目录"，标志着多层次医疗保障体系建设迈出关键一步，民生药箱在保好基本的同时，还向更多元 发展。 未来，如何打破基本医保与商业保险的数据壁垒，建立"医保+商保"一站式结算等，还需相关部门进行 更多探索，以更好发挥医保托底、商保扩容的作用。在实践中不断优化调整，让14亿多人的生命健康得 到更好保障。（新华社记者徐鹏航 彭韵佳） 新版国家医保药品目录新增114种药品，肿瘤、慢性病、精神疾病、罕见病、儿童用药等重点领域的 ...

Core Insights - The 2025 National Smart Medical Insurance Competition has been officially launched, featuring an open model that does not set specific tracks but divides by fields, and for the first time attempts cross-regional integration of medical insurance data [1] Group 1: Medical Insurance Data Utilization - Medical insurance data encompasses critical information such as disease patterns and clinical medication needs, characterized by large volume, broad dimensions, and strong continuity, representing a "data goldmine" [1] - The competition aims to extend the value of medical insurance data beyond reimbursement and fund supervision to broader applications, accelerating the potential for empowering the pharmaceutical industry [1] Group 2: Innovation in Drug Development - The entire lifecycle of innovative drugs includes target screening, clinical trials, and post-market real-world studies, where analyzing vast amounts of treatment and medication data can help identify disease trends and unmet clinical needs [2] - Real-world data can significantly enhance trial efficiency and success rates by assisting in patient recruitment and establishing more reasonable control groups [2] - Post-launch, larger-scale medical insurance data allows for comprehensive evaluations of drug efficacy, safety, and economic viability in real medical environments, providing solid evidence for insurance negotiations and clinical guidelines [2] Group 3: Challenges in Data Integration - The "medical insurance data island" phenomenon needs to be addressed, as vast amounts of healthcare information are fragmented due to technical barriers, institutional obstacles, and security concerns, hindering effective integration and value release [3] - The competition's attempt at cross-regional integration of medical insurance data aims to create a new paradigm for open data utilization, which could pave the way for broader applications [3] Group 4: Data Security and Compliance - Ensuring data security and compliance is fundamental for empowering the industry with medical insurance data, as it involves sensitive personal information [3] - The competition employs technologies such as blockchain, data encryption, and artificial intelligence, ensuring data is anonymized and secure while unlocking its value [4] - Continuous investment in privacy computing and blockchain technologies is necessary to safely utilize data while fostering a skilled workforce proficient in both pharmaceutical and data technologies [4] Group 5: Future Directions - The transition from pilot competitions to comprehensive empowerment of the industry through medical insurance data requires collaborative efforts from government, enterprises, and research institutions, while maintaining strict safety standards [4] - The potential activation effect of safely and efficiently "mining" the medical insurance data goldmine on the pharmaceutical industry is expected to accelerate [4]

Core Viewpoint - The article emphasizes the critical role of consumption in driving economic growth and the importance of financial support in enhancing consumer demand in China [1][2]. Group 1: Importance of Consumption - Consumption is both the ultimate goal of production and a lasting driver of economic growth, especially in the context of China's evolving economic conditions and international environment [1]. - The Chinese government has recognized the need to implement strategies to expand domestic demand, particularly consumption, to facilitate a virtuous cycle of social reproduction [1]. Group 2: Role of Finance in Consumption - Finance plays a pivotal role in expanding consumption and promoting growth by releasing consumer potential, enhancing willingness and ability to consume, and improving the matching of supply and demand [2]. - The development of inclusive finance can optimize resource allocation and stabilize consumer confidence, which is crucial for boosting consumption [2]. Group 3: Innovations in Financial Support - China's financial system has engaged in various innovative practices to support consumption, including collaboration among banks, consumer finance companies, and internet platforms to create a diverse service system [3]. - Financial institutions are increasingly involved in creating consumption scenarios and offering specialized financial products in key sectors such as education, healthcare, and tourism [3]. Group 4: Challenges in Financial Support - Despite advancements, challenges remain, such as the concentration of consumer credit resources in housing and automobiles, insufficient financial products in education and healthcare, and the need for improved financial services for new citizens and flexible workers [3]. - The financial system must enhance its service capabilities and focus on key consumption areas to better support economic development [3]. Group 5: Recommendations for Financial Services - Recommendations include improving the consumer finance service system, integrating financial services with consumption scenarios, leveraging technology for risk control, and enhancing consumer rights protection [4]. - Financial institutions are encouraged to develop specialized services for new consumption areas and to provide personalized financial products tailored to specific consumption scenarios [4].