Objective: To enhance the accessibility of high-value innovative drugs for patients, to guarantee the sustainability of medical insurance funds, to support industrial innovation, this study aims to explore an innovative multi-payment system that supplements, refines the existing national negotiation framework. Specifically, it seeks to identify scientific, reasonable methodologies, implementation pathways for determiningthe patient payment price, the medical insurance payment, the muti-layer security. Methods: This study adopts a multi-disciplinary approach such as literature review, expert interviews, small-group workshops, integrating theories from health management, health economics to refine proposals for the innovative multi-payment system, its implementation strategies. Results: The Component A should be based on patients' affordability, actual costs of alternative therapies, international benchmarks. The Component B should follow the existing National Insurance Drug Listrules, the medical insurance price is calculated, negotiated by pharmacoeconomic methods. Medical insurance determines the levels of Component A, B by balancing the affordability of patients with medical insurance funds. Subtracting Component A, B from the drug price is Component C. For Component C, innovative pharmaceutical companies play a leading role by providing part of the funds, leveraging various social resources to build a collaborative, resource-sharing multi-stakeholder payment system. Simultaneously, the government ensures the effective functioning of Component A, B, C through organizational coordination, policy guidance, financial support, enhancing the overall security capacity, effectiveness of the payment system. Conclusion: This study explores a social diversified payment system that combines patient payment price, medical insurance payment price for expensive drugs with high clinical benefits. This approach provides a viable pathway for balancing patients' accessibility, the security of medical insurance funds, the sustainability of the pharmaceutical industry innovation. Future efforts will focus on local pilot programs, wherein the specific structures of Components A, B, C will be tailored to regional conditions. Lessons learned from these pilots will inform the refinement of the payment system, the development of scalable demonstration models for broader implementation