Abstract
China's biomedical industry is currently at a critical juncture, transitioning from "following generics" to "leading innovation". Innovation is the driving force behind this transformation. China has introduced a number of favorable policies to establish a multi-tier healthcare security system, improve payment capacity for innovative drugs, accelerate capital recovery for innovative pharmaceutical companies, and support transformation of the industry. However, the existing security system still relies primarily on basic medical insurance while commercial health insurance is weak, making it difficult to provide sustainable funding for innovative research and development. Therefore, this paper proposes developing specialized and large-scale commercial health insurance enterprises, creating new commercial health insurance products characterized by "high premiums, high quality, high indemnity, and long-term coverage", and systematically optimizing the commercial health insurance policy environment, in order to vigorously develop commercial health insurance, construct a new ecosystem of multi-tier security system for innovative drugs, and provide systematic support to stimulate innovation vitality in China's biomedical industry.
Key words
multi-tier security /
commercial health insurance /
innovative drugs /
biomedical industry
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Developing Commercial Health Insurance Vigorously and Supporting Biomedical Innovation Diversely[J]. China Health Insurance. 2025, 0(8): 31-38 https://doi.org/10.19546/j.issn.1674-3830.2025.8.004
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