Global Special Drug Insurance Landed in Lecheng Pioneer Zone, New
Special Drug " Medicine Expensive" is expected to alleviate
Our reporter Chen Guojing
A few days ago, the first global special drug insurance-Hainan Free Trade Port Boao Lecheng Global Special Drug Insurance was released, and consumers have purchased more than 100,000 copies in just two days.
In the past, patients with serious illnesses were eager to see new foreign drugs. One of the problems they face is the difficulty of buying medicines. Since the establishment of the Hainan Boao Lecheng International Medical Tourism Pilot Zone, this problem has been alleviated. Many new drugs that have not been approved in the country can also be found in the pilot zone; but another problem has "stopped" patients with serious illnesses— -The high price makes it difficult for them to afford the cost of medication.
In 2013, the State Council approved the establishment of the Lecheng Pioneer Zone. The "4 franchise" preferential policies of "licensed medical care, franchising, franchise research, and franchise international exchange" enabled the Lecheng Pioneer District to import and use new drugs that have not yet been approved in China. , Equipment and equipment. Therefore, the Lecheng Pioneer District is also known as the "medical special zone".
As of June this year, the first case of imported licensed medical equipment in Lecheng Pioneer District has exceeded 100 cases, and there are 100 kinds of new anti-tumor drugs and rare disease drugs available. Among them, 51 new anti-tumor drugs correspond to 70 types of tumor diseases, most of which are new drugs that have not yet been marketed in China, representing the most cutting-edge drug research results in the world.
In September 2019, the "Implementation Plan on Supporting the Construction of the Boao Lecheng International Medical Tourism Pilot Zone" clarified that the approval of the import of drugs and medical devices in the pilot zone will be accelerated; on the basis of patient filing commitments, conditions allow medical institutions in the pilot zone to bring reasonable patients The self-consumption imported medicines leave the advance zone for use. At that time, Shen Xiaoming, governor of Hainan Province, introduced at a press conference of the State Council Information Office that about 600,000 people in my country go to foreign countries for medical treatment every year, in order to seek the best medicines and medical equipment abroad. According to the current domestic regulatory status, it will take at least five years for these best drugs and devices to enter the domestic market. With this policy, it will greatly shorten the time for global innovative drugs to enter the Chinese market.
At present, it only takes a few days for a foreign anti-cancer drug to be applied for by the hospital in the first zone to the patient. The time has been shortened, and the cost of medication is still high. How can we make it available to the people and still affordable?
The reporter learned that at present, the Lecheng Administration and Yuanxin Huibao are jointly building the "Boao Lecheng International Medical Tourism Pioneer Zone Insurance Comprehensive Service Platform". The two parties will work with many domestic and foreign insurance companies to create an "overseas referral, special medicine" High-quality health insurance products such as insurance and single-disease insurance use commercial insurance to reduce the pressure on medical insurance, improve the delivery of "drugs already on the domestic market" and pharmaceutical services, and reduce the economic burden of "drugs not on the domestic market" on patients.
Gu Gang, director of the Lecheng Administration Bureau, said that in response to the high price of new specialty drugs abroad, Lecheng gave full play to the special policies granted by the state, innovated the “medical insurance + commercial insurance” mechanism, and improved the multi-level security system. The application expenditure in the service is guaranteed, so that high-quality medical resources can benefit the people across the country.
Peng Xuan, CEO of Yuanxin Huibao Technology Co., Ltd., said that the first launch of Lecheng Global Specialty Drug Insurance is a good start. With the help of this inclusive product, Hainan residents can enjoy new anti-cancer drugs that are not on the market in China, make up for other drug costs beyond medical insurance reimbursement, and truly solve the economic pressure on patients caused by medication for serious illnesses, and solve local patients as soon as possible The practical problem of "difficult to buy medicine, expensive medicine, and difficult medication".
Different from the special drug insurance products on the Chinese market before, the coverage of Lecheng Global Special Drug Insurance includes the 21 special drugs that have been listed in China, as well as 49 overseas special drugs that are not listed in China, many of which are Developed with the latest technology. These 21 domestically marketed non-medical products and 49 overseas special drugs basically cover self-paid products related to tumor treatment, and this product has no age and occupation restrictions, and the annual premium is only 29 yuan per person.
The issue of commercial insurance compensation has always been a "pain point" for consumers. Lecheng Global Specialty Drug Insurance has opened up commercial insurance and medical insurance, realizing direct settlement, and making the payment smoother for consumers. It is reported that Lecheng Global Specialty Drug Insurance has opened 32 medical institutions and other hospitals in Hainan Province to provide direct payment services for in-hospital drug charges. After the insured user’s claims have been reviewed and approved, they can go to the designated hospital to use the commercial insurance certificate to realize the drug coverage in the hospital. Fee is straightforward. If you need special medicines listed overseas, the out-of-risk users need to be treated in the designated hospitals in the advance zone. After the claims are approved, with the commercial insurance certificate, the patient can complete the direct settlement of the claims for overseas medicines without the need for the patient to advance the overseas medication fees. Even if there are no required medicines in the hospital, consumers can use insurance certificates and relevant prescriptions and other materials to complete the purchase of medicines and direct compensation services at designated pharmacies after the claims are approved.
Peng Xuan said that the opening of social insurance and commercial insurance reimbursement channels in hospitals in Hainan Province has solved the "money" problem of the people, allowing patients to use medicines that are more suitable for their conditions and no longer worry about self-pay because they are "not in social insurance". The economic pressure of drugs on individuals and families. At the same time, the opening of social insurance and commercial insurance reimbursement channels in the hospital has enabled Lecheng Global Specialty Drug Insurance and Social Security to experience reimbursement services, greatly reducing the time cost of reimbursement for patients and truly achieving a seamless connection.
In the future, this model is expected to be popularized throughout the country. Peng Xuan introduced that starting from Lecheng Global Specialty Drug Insurance, in the future, we will use the Lecheng Global Specialty Drug Insurance model to open up more cities, so that people in more cities can also enjoy the treatment of domestic unlisted drugs in Hainan.
Chen Guojing
Chen Guojing