Wave Eye Scouting 2020 Sip Club . . . How does commercial insurance promote access to new drugs?

On August 12, the Health Industry Capital Summit kicked off at the Boao Forum for Asia Hotel in Hainan, with the opening of the 2020 China Health Industry Ecological Conference.
the summit was organized by Zhongkang Information, CITIC Securities and Guosheng Securities.
held a six-day conference on the theme of "Day by Day - A New Era of Health Management for the Full Life Cycle".
As the conference's in-depth cooperative media, Sina Pharmaceuticals (micro-signal: sinayiyao) full special report, special topics, micro-blogs, WeChat synchronous pictures, for the attention of the guests of this industry event to bring a visual feast in person, we will be the first time to package the conference dry goods hard goods presented to the audience.
The following is part of the Shanghai Gaozhu Investment Management Co. , Ltd. level consultant Li Xiangyu part of the speech: the new drug research and development investment is huge, after the introduction of the market price is naturally expensive, some life-saving terminally ill new drugs, is sky-high prices.
can these innovative drugs really benefit ordinary people? Health insurance plays a very important role in this.
Li Xiangyu said that the 2019 government work report encourages commercial insurance institutions and social doctors to jointly develop diversified insurance, meaning that the traditional health insurance and pure claims, compensation intervention into the management model of insurance companies, which will exist for many years to change health insurance, pure compensation into a management-oriented type of insurance.
of this year's epidemic, all walks of life are shrinking, but the insurance industry's health insurance reached 20% in the first half of the year, health insurance has been gradually recognized by the public.
the needs of the pharmaceutical industry, who will pay for medicine? It's a person.
In 2019, there will be 6.52 trillion yuan of health care costs, of which 75% of individual payments, in recent years, the development of personal payments slowly turned to commercial payments, commercial insurance will gradually become bigger, based on this perspective the pharmaceutical industry in commercial insurance and health insurance will have a great combination.
in order to better understand how insurance to the pharmaceutical industry, how to create opportunities from the pharmaceutical industry to combine, I through the pharmaceutical life cycle to explain to you.
pharmaceutical life cycle is mainly research and development and circulation.
research and development stage to apply for patents, clinical, get a license to list, insurance plays a very important role, which investment in pharmaceutical research and development will have a very important role.
In this there is a protection-type role for insurance, the main two points are based on the realization of patent-type insurance, called intellectual property insurance, based on clinically relevant testing protection insurance, is the clinical realization of drug liability insurance, so in the research and development stage, from our insurer's point of view may not contribute very much.
But insurance will be prominent in the circulation of the link, new products will be marketed, directly purchased by individuals less, and hospitals, pharmacies are the object we have to overcome, let us get the drug arrived smoothly, and then the drug to the corresponding audience, that is, health insurance, commercial insurance, individuals.
here is how insurance companies can effectively combine with the pharmaceutical industry.
in the marketing stage, new products on the market based on drug efficacy, the public will be easier to understand what the drug is doing, treatment is not effective, through insurance will achieve a better role.
In hospital pharmacies will be involved in drug use issues, we through the binding of both sides to effectively control all the medical objects of service, which for medical technology and medical use of drugs are operated accordingly, to the audience point of view, for different payer will have different products, such as health insurance, is now the government and enterprises, do the top priority of universal business insurance.
For commercial insurance, the traditional commercial insurance is only based on if the medical expenses occurred to get card reimbursement, but the traditional model, the follow-up insurance companies will be based on the model of fee control and the pharmaceutical industry to carry out in-depth cooperation, it will be more deeply extended to the market.
the point of personal needs is very simple, can not be to achieve economic cost control, and achieve effective drugs.
Li Xiangyu pointed out that, specifically, the model of commercial insurance is based on the efficacy of pharmaceutical insurance model, carrier-based insurance model, based on personal needs of commercial insurance model, based on the combination of government and enterprises, such as universal goods.
the future of commercial security development expectations, is only a statement, I think people's health can not be separated from the development of drugs, but also can not be separated from the development of the pharmaceutical industry, people's life will continue to pay attention to health.
insurance is an excellent carrier for the efficient use of health resources.
The future development path of commercial insurance is insurance and health management and supply chain, because now insurance has become a dragon knife, many times, we know that we are sure to pay we also have to pay, many health management companies not only do insurance but also do health management.
note: There are deletions in the original text.