Research on the Application Status and Development of the Specific Drug Guarantee in “Huimin Insurance” --Based on Product Analysis Perspective

Objective From the perspective of product analysis, to explore the path and strategy for optimizing the development of the specific drug guarantee in “Huimin Insurance”. Data sources: Special literature search, Internet collection, questionnaire survey; Methods: Through empirical research, this paper analyzes the current special drug guarantee model in the market and its development status, sorts out product types, distribution, and special drugs, and describes its development status. Results: At present, “Huimin Insurance” is in the stage of blowout development, the development speed is fast and the number is large. However, its development model is not yet mature, the product layout is unreasonable, the product positioning is not clear, the management of special drug content is homogeneous, and the scope and level of protection need to be scientifically evaluated, etc. In conclusion: (1) Clarify the nature and status of “Huimin Insurance” products and management, and clearly distinguish the responsibilities of the government and the market; (2) Adhere to demand-oriented product development and improve the product form of “Huimin Insurance”; (3) Do a good job in collaborative operation and supervision. It is recommended that the government and insurance companies coordinate supervision and operation to help the healthy development of “Huimin Insurance”. Especially in strengthening risk assessment, dynamically adjusting the list of special medicines, appropriately expanding the coverage of special medicines and the benefit rate of the insured population, etc. In this way, the accessibility of “Huimin Insurance” and the healthy and continuous iterative update and development of products are promoted.