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Improve the level of commercial health insurance
Original title: Improve the level of commercial health insurance
A few days ago, some media reports said that the coordinated development of commercial health insurance and the pharmaceutical industry can not only promote commercial health insurance to expand customer base, realize innovative development, and improve the accessibility of innovative drugs.Data show that from 2013 to 2022, the scale of commercial health insurance in my country increased from 112.3 billion yuan to 865.3 billion yuan, with a compound annual growth rate of more than 25%.It can be seen that the development of commercial health insurance is very promising.
Commercial health insurance can reduce personal medical burden to a certain extent and prevent poverty due to illness.Although my country has achieved the results of health poverty alleviation and medical insurance poverty alleviation, problems such as unbalanced protection and difficulty in participating in high -risk groups still exist. The per capita level of commercial health insurance is still lower than some developed countries, and other funding channels are urgently needed.In order to further improve the health protection of residents, it can improve the level of commercial health insurance, clearly define its responsibility boundary with basic medical insurance, expand the scope of insurance from high -risk people, and develop city inclusive insurance to increase inclusiveness.
Furthermore, the expansion of payment channels such as commercial health insurance is more urgent to make up for basic medical insurance to cover innovative drugs.In the past, innovative drugs usually entered China after obtaining high profits in the international market, so domestic medical insurance pricing has little impact on it.At present, the approval cycle of innovative drugs in my country has been shortened to the level of developed countries. If the payment level cannot be improved simultaneously, it will affect the global pricing of innovative drugs, and even some companies have to abandon the embarrassing situation of the Chinese market.For patients with 400 million diabetes, cardiovascular diseases and patients with cardiovascular disease and over 4 million new cancer patients each year, more and better innovative drugs can be obtained through commercial health insurance, which can significantly increase their survival rate.Essence
What needs to be seen is that the development of commercial health insurance in my country is not sufficient.In 2022, commercial health insurance payments accounted for only 5.3%of the national total health expenditure expenditure.The compensation rate of commercial health insurance in some developed countries is more than 75%, while my country is significantly low.
积极支持商业健康保险的发展，构建现代化的商业健康保险体系，要明确政府与市场的角色和分工，为商业健康保险提供稳定的制度预期，优化其发展机构和组织基础，将基础补充层视为The focus of the multi -level medical security system, and expand the commercial health insurance pool to cover more high -risk people.
Relevant departments should take positive measures to promote and encourage the development of commercial health insurance.Clarify the scope and level of basic medical insurance payment, and create clear development space for commercial health insurance.This includes the establishment of a transparent medical insurance directory review mechanism to ensure that commercial health insurance has a clear division of labor in reimbursement of innovative drugs.It should also promote the diversification of commercial health insurance products, including self -payment supplementary insurance, non -medical insurance designated institutions for reimbursement insurance to meet the diversified health needs of the people.
In addition, in response to the current challenges such as low levels of commercial health insurance and difficulty in participating in high -risk people, incentive measures such as encouragement of long -term health insurance products, providing tax incentives, encouraging enterprises and individuals to participate in institutional innovation and policy supportTo solve.
While giving support policies, it is necessary to strengthen supervision of commercial health insurance, ensure that product design is reasonable, protect consumer rights, and promote the healthy and sustainable development of the industry.(Hu Yinglian)
Source: Economic Daily
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