金融监管总局：城市商业医疗险要实现差异化定价

Core Viewpoint - The Financial Regulatory Bureau has issued a notice aimed at promoting the high-quality development of urban commercial health insurance, emphasizing the need for improved product management and precise pricing [1] Group 1: Product Management - Insurance companies are required to align their products with the needs of target customers, ensuring that key terms such as insurance responsibilities and exclusions are well-defined [1] - There is a call for the use of reliable historical data on disease incidence, claim rates, and cost rates to scientifically determine insurance premiums [1] Group 2: Pricing Strategy - The notice emphasizes the principle of risk pricing, advocating for differentiated pricing based on factors such as age, gender, and health status of different groups [1] - Insurance companies should enhance the fairness and adaptability of their products and services through appropriate responsibility grading or premium grouping [1] Group 3: Data Utilization - For newly included responsibilities in insurance contracts, pricing should be based on historical experience data and foundational data provided by relevant parties in the medical and insurance sectors [1]