Core Points - The National Healthcare Security Administration (NHSA) has released the interim results of expert reviews for the 2025 National Basic Medical Insurance Directory and the Commercial Insurance Innovative Drug Directory [1] - Companies can access the evaluation results through the National Medical Insurance Service Platform, specifically in the "2025 Basic Medical Insurance Directory and Commercial Insurance Innovative Drug Directory Adjustment" module [1] - The evaluation results categorize drugs as "proposed for negotiation addition," "proposed for competitive bidding addition," or "proposed for price negotiation," indicating eligibility for negotiation or bidding but not confirmation of inclusion in the directories [1]

Core Viewpoint - The collaboration between basic medical insurance and commercial health insurance in China is advancing significantly, with new measures and systems being implemented to enhance efficiency and accessibility for patients [1][2][3][4]. Group 1: Policy Developments - The first national "medical insurance + commercial insurance" clearing settlement center has begun operations in Beijing, reducing the time lag in claims settlement between the two systems [1]. - A joint initiative by the Shanghai Financial Regulatory Bureau and seven other departments has been launched to promote the high-quality development of commercial health insurance, focusing on payment mechanisms and data sharing [1][2]. - The preliminary review of the innovative drug directory for commercial insurance, which includes several high-priced cancer drugs, has been completed, providing new payment avenues for innovative drugs [1][2]. Group 2: Market Insights - As of 2024, the basic medical insurance system covers 1.326 billion people, maintaining a coverage rate of 95%, with total fund expenditures reaching 2.97 trillion yuan [2]. - The commercial health insurance market is experiencing rapid growth, with original insurance premium income reaching 977.3 billion yuan in 2024, a year-on-year increase of 8.2% [2]. - Despite the growth, there remains significant room for improvement in the coverage and effectiveness of commercial health insurance compared to the over 95% utilization rate of basic medical insurance funds [2]. Group 3: Operational Enhancements - The new clearing settlement center allows patients to complete basic insurance reimbursement and directly use commercial insurance for remaining costs, streamlining the payment process [2][3]. - The National Medical Insurance Administration is exploring synchronized settlement between basic and commercial health insurance, aiming to reduce patient burden through data sharing [3]. - Future developments will include collaborative efforts to expand the coverage of commercial health insurance and enhance the integration of data and regulatory frameworks between the two systems [4].

Core Points - The National Healthcare Security Administration (NHSA) announced the preliminary review of the 2025 National Basic Medical Insurance, Maternity Insurance, and Work Injury Insurance drug catalog adjustments [1] - The adjustment process includes multiple stages: enterprise declaration, formal review, expert evaluation, and price negotiation [1] - Passing the preliminary formal review indicates that a drug meets the initial application conditions but does not guarantee inclusion in the basic medical insurance catalog or commercial health insurance innovative drug catalog [1]