金融监管总局：城市商业医疗险不得搞低价无序“内卷式”竞争

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 market order and a collaborative ecosystem [1] Group 1: Regulatory Guidelines - Insurance companies are required to strengthen the overall management of urban commercial health insurance across different regions, ensuring compliance with internal control management during product development, sales, and claims [1] - Companies must adhere to fair competition principles and enhance the diversity of products and services, avoiding low-price chaotic competition and monopolistic practices [1] - It is prohibited for insurance companies to pre-set payout ratios or establish fund pools, as well as to adjust the payout conditions of signed insurance contracts within the same year [1] Group 2: Co-insurance and Collaboration - Co-insurance operations should be voluntary and not restrict competition, with clear collective decision-making and discussion rules established among co-insurers [1] - A data-sharing mechanism must be improved, where the lead insurer shares relevant underwriting and claims data with other insurers [1] - The insurance industry association is encouraged to develop model clauses for urban commercial health insurance and to facilitate a multi-party communication platform involving healthcare, medical insurance, pharmaceuticals, and insurance sectors to enhance the convenience of insurance and claims processes [1]