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创新药保障“最后一公里”待解：买得到、赔得快、保得起_蜘蛛资讯网

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出了涉及164.31万股新股份的164.31万股奖励股份，约占于授出日期已发行股份总数的 0.02%。责任编辑：卢昱君

最后是“保得起”的问题。随着高风险药品的纳入，保险产品的赔付率可能飙升。迈伦警告，此前某地惠民保纳入阿尔茨海默病药物后赔付率超过200%，存在极高的逆选择风险（即带病投保）。这可能导致未来的商业健康险产品价格上涨，或者设置更严格的核保门槛，消费者在购买保险时需更加关注条款细节。　　尽管解决这些“最后一公里”的挑战需要多方在制度、技术与运营上持续磨合与突破，但一个清晰的共识是，构建“医保保基本、商保

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