Core Insights - The first national commercial insurance innovation drug directory for 2025 was released in Guangzhou, including 19 high-value innovative drugs targeting key treatment areas such as oncology, rare diseases, and neurodegenerative diseases [1][3] - Shenzhen's "Hui Min Bao" has incorporated all 19 innovative drugs into its coverage for the 2025 fiscal year, enhancing access to these medications for local residents [1][3] Group 1: Drug Coverage - The 19 drugs included in the directory cover significant therapeutic areas, including CAR-T therapies for cancer, treatments for Gaucher disease, and Alzheimer's disease medications [3] - Specific drugs listed include "Daratumumab injection," "Naxitamab injection," and "Aducanumab injection," among others, from various pharmaceutical companies [2] Group 2: Insurance Benefits - All insured residents of Shenzhen using the listed innovative drugs can claim reimbursements, effectively reducing out-of-pocket expenses and improving access to these medications [3][4] - "Hui Min Bao" provides a crucial supplement to basic medical insurance, focusing on high-innovation drugs that offer significant clinical value and patient benefits beyond standard coverage [3] Group 3: Claims and Impact - Real-life claims demonstrate the effectiveness of the coverage, such as a case where a 5-year-old patient with malignant tumor received over 730,000 yuan in compensation for drug costs [3][4] - The insurance plan also supports "one-stop settlement" services, alleviating the financial burden on patients, including those with pre-existing conditions [4] Group 4: Growth and Accessibility - Since its launch three years ago, "Hui Min Bao" has maintained a public welfare characteristic, with no restrictions on age, occupation, or health status, allowing for a low annual premium of 88 yuan for over 4 million yuan in coverage [4] - As of 2025, the number of insured individuals has surpassed 6.15 million, with a total of over 18 million insured instances in three years [4]