[1]马振涛,文晓初,郎 堃.“三医”协同体系下商业健康险支持创新药发展：模式、问题与建议[J].卫生经济研究,2026,43(04):25-29.
　MA Zhentao,WEN Xiaochu,LANG Kun.Commercial Health Insurance Supporting Innovative Drug Development under the "Three Medical" Collaborative System: Models, Issues and Recommendations[J].Journal Press of Health Economics Research,2026,43(04):25-29.
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“三医”协同体系下商业健康险支持创新药发展：模式、问题与建议

卫生经济研究[ISSN:1004-7778/CN:33-1056/F]

卷:
43
期数:
2026年04期
页码:
25-29
栏目:
专题研究
出版日期:
2026-03-30

文章信息/Info

Title:
Commercial Health Insurance Supporting Innovative Drug Development under the "Three Medical" Collaborative System: Models, Issues and Recommendations
作者:
马振涛1; 2; 文晓初3; 郎 堃1
1.安阳师范学院马克思主义学院，河南 安阳 455000
2.北京师范大学政府管理研究院，北京 100875
3.首都医科大学附属北京同仁医院，北京 100005
Author(s):
MA Zhentao;  WEN Xiaochu;  LANG Kun
School of Marxism, Anyang Normal University, Anyang Henan 455000, China
关键词:
“三医”协同; 商业健康险; 创新药; 支付机制
Keywords:
"Three Medical" collaboration;  commercial health insurance;  innovative drugs;  payment mechanism
分类号:
F840.6
文献标志码:
A
摘要:
“三医”协同体系下，创新药的高价值属性与基本医保“保基本”的定位存在固有矛盾，创新药面临可及性、可支付性与可持续发展问题。商业健康险支持创新药发展，有助于缓解医保基金压力、拓展药企支付渠道、提升医疗机构用药可及性、减轻患者负担。但是，当前商业健康险支持创新药发展的力度有限，面临机制待理顺、数据难共享、产品设计缺陷、药品可及性不足等挑战。对此，应构建跨部门协同机制，打通数据链路，完善产品服务，提升创新药认知度和可及性，使更多创新药更快、更好地惠及患者。
Abstract:
Under the "Three Medical" collaborative system, there exists an inherent contradiction between the high-value attributes of innovative drugs and the "basic security" positioning of basic medical insurance. Innovative drugs face challenges in accessibility, affordability, and sustainable development. Commercial health insurance, by supporting innovative drug development, can help alleviate the pressure on medical insurance funds, expand payment channels for pharmaceutical companies, improve drug accessibility in medical institutions, and reduce the burden on patients. However, the current support provided by commercial health insurance for innovative drug development remains limited, acing challenges such as mechanisms requiring improvement, difficulties in data sharing, product design flaws, and insufficient drug accessibility. In response, it is necessary to establish cross-departmental coordination mechanisms, open up data pathways, enhance product services, and improve the awareness and accessibility of innovative drugs, so that more innovative drugs can benefit patients more quickly and effectively.

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更新日期/Last Update: 2026-03-30