Core Viewpoint - The article discusses the collaboration between commercial insurance and the biopharmaceutical industry, focusing on how to build a long-term mechanism to support the development of innovative drugs while addressing the "drug-insurance dilemma" [4][6]. Group 1: Drug-Insurance Dilemma - The "drug-insurance dilemma" arises from the conflict between the pharmaceutical industry's desire for higher disease burdens to promote product usage and insurance companies' aim to reduce costs and payouts [4]. - Solutions proposed include institutional innovations such as community insurance and group insurance, as well as reforms in basic medical insurance systems [4][5]. - The design of insurance products and the enhancement of actuarial techniques are crucial for addressing payment sharing, deductibles, and payment limits [5]. Group 2: Long-term Funding Mechanism - A long-term funding mechanism is essential for creating a win-win situation between insurance companies and innovative drug enterprises [5][6]. - The article suggests that the funding system in the U.S. relies on tax support, while China could benefit from a model where citizens contribute to insurance from the moment they enter society [6]. - The integration of innovative drugs into insurance coverage is necessary for ensuring that they receive market-appropriate returns [6]. Group 3: Service Scenario Breakthrough - There is a need for better collaboration between insurance companies, pharmaceutical firms, and the healthcare system, emphasizing the importance of service scenarios [7]. - Traditional insurance sales through agents lack familiarity with the healthcare system, which limits effective communication [7]. - Insurance companies should engage in regular exchanges with pharmaceutical companies to understand the drugs being launched and their applicable conditions [7]. Group 4: Sustainable Development Planning - The integration of internal and external data with AI models can enhance disease prediction and cost control, ultimately reducing the financial burden on citizens [8]. - The article highlights the importance of a stable insurance coverage that lasts throughout a client's life, which reflects true social responsibility [8]. - A complementary relationship between social insurance and commercial insurance directories is necessary to maximize value [8]. Group 5: Focus on True Innovation - The insurance sector should increasingly cover individuals with pre-existing conditions, thereby creating more opportunities for collaboration with the pharmaceutical industry [9]. - The article emphasizes the need for insurance to penetrate deeper into healthcare settings, ensuring alignment with clinical guidelines and reasonable compensation terms [9]. - Commercial insurance can provide a nurturing environment for original innovative drugs, supporting the biopharmaceutical industry in achieving its full market potential [9].