On August 6, 2025, seven Shanghai-based authorities jointly issued a notice titled “Several Measures on Promoting High-Quality Development of Commercial Health Insurance to Support Innovation in the Biopharmaceutical Industry.” The notice outlines a comprehensive approach to enhance commercial health insurance development for the biopharmaceutical sector.<\/p>\n\n\n\n
Expand Commercial Health Insurance Coverage<\/strong> Broaden the Insured Population and Service Scope<\/strong>
The new policies aim to broaden the scope of commercial health insurance to include high-demand new medical technologies, drugs, devices, and consumables. Insurers are encouraged to diversify their product offerings. The popular “Huibao” program will be enhanced by incorporating innovative drugs and medical devices, supported by foundational data to increase its reach. The policies also seek to accelerate the development of commercial long-term care insurance to support the eldercare industry.<\/p>\n\n\n\n
The measures will extend coverage to seniors, people with pre-existing conditions, and individuals with chronic diseases. The policies aim to expand services by exploring collaborations between insurance companies and pharmaceutical firms on drug procurement price negotiations, new drug release communication, outcome-based payments, and installment payments. This will improve accessibility and affordability of innovative drugs and medical devices. Insurers are encouraged to partner with medical institutions, physical examination centers, rehabilitation and nursing facilities, and contracted family doctors. They are also encouraged to participate in government-funded health projects.<\/p>\n\n\n\n