卒中保障:基本医疗保险与商业健康保险协同创新OA

Stroke ranks as the leading cause of death and disability among adults in China,imposing a heavy disease burden.It is of great practical significance to develop a full-cycle and multi-level medical security system covering prevention,acute treatment,rehabilitation and long-term care.Within the current policy framework,the coordinated development of basic medical insurance and commercial health insurance is supported by top-level policies.Nevertheless,bottlenecks including poor institutional connection and the mismatch between product supply and full-cycle stroke needs remain prominent.A single security model cannot adequately address high medical expenditures and long-term care pressures associated with stroke.This paper reviews the policy framework for coordination between basic medical insurance and commercial health insurance,analyzes existing obstacles based on domestic and international practices,and proposes innovative approaches targeting key links such as stroke prevention and screening,payment for innovative medicines and medical devices,as well as rehabilitation care.It advocates adopting the value-based insurance design concept,advancing the establishment of diversified payment mechanisms for innovative medicines and medical devices,developing integrated health and elderly care insurance products,and leveraging digital technologies to enable targeted security.The study concludes that continuously deepening collaborative innovation between the two types of insurance in full-cycle stroke security can improve the landscape of multi-level medical security and facilitate the implementation of the Healthy China Initiative.