强化万能险“加保”规则，严格“报行合一”！人身险“负面清单”再扩容

Core Viewpoint - The 2025 version of the personal insurance product "negative list" has been released, expanding to over a hundred items, with a focus on rate determination and industry standards, providing a reference for insurance companies and a guide for consumers to avoid pitfalls [1][8]. Group 1: Negative List Expansion - The 2025 version of the "negative list" includes 9 new items, particularly emphasizing "reporting and execution consistency" [3][4]. - The "negative list" serves as a reference for insurance companies in formulating insurance terms while also helping consumers navigate potential issues [1][8]. Group 2: Reporting and Execution Consistency - "Reporting and execution consistency" requires insurance companies to align the reported additional fee rates with actual rates, primarily concerning commissions paid to sales channels [3][4]. - Four of the new items in the "negative list" relate to fee rates, highlighting discrepancies in long-term insurance and commission structures [3][4]. Group 3: Universal Insurance Premium Additions - The 2025 version of the "negative list" addresses unclear descriptions regarding the addition of premiums for universal insurance, aiming to clarify management mechanisms and enhance product design prudence [5][6]. - The limitation on additional premiums for universal insurance has caused consumer dissatisfaction, reflecting the need for clearer contractual terms [5][6]. Group 4: Regulatory Trends - The regulation of personal insurance products has become increasingly stringent, with the "negative list" evolving since its initial release in 2018, now exceeding a hundred items [8]. - The "negative list" aims to continuously regulate existing products, reduce potential risks, and protect consumer rights while guiding future product development [8][9]. Group 5: Innovation and Flexibility - There is a call for the "negative list" to be periodically revised to allow for greater product innovation by insurance companies, encouraging them to explore new directions not explicitly prohibited [9].