鼓励差异化定价，不搞“内卷”，惠民保高质量发展新规来了

Core Viewpoint - The new regulatory guidelines aim to promote the sustainable development of urban commercial medical insurance (惠民保) by emphasizing its commercial nature while ensuring it remains inclusive and accessible to the public [1][6][7] Group 1: Regulatory Guidelines - The Financial Regulatory Bureau issued a notification on July 31, requiring urban commercial medical insurance to adhere to its commercial attributes and market principles, ensuring precise pricing and avoiding excessive competition among insurance providers [1][3] - The notification emphasizes the importance of a people-centered approach, urging insurance companies to optimize product offerings to meet diverse healthcare needs and incorporate new medical technologies and treatments [3][6] Group 2: Pricing and Risk Management - Insurance companies are instructed to set insurance responsibilities and exclusions based on target customer needs, utilizing reliable historical data to determine premium rates scientifically [4] - The notification advocates for differentiated pricing based on factors such as age, gender, and health status to enhance fairness and adaptability in insurance products, addressing previous issues of uniform pricing that led to adverse selection [4][5] Group 3: Competition and Sales Management - The guidelines prohibit "involution-style" competition, urging insurance companies to manage their branches effectively and ensure compliance with internal control requirements in product development, sales, and claims [5][6] - Insurance companies must enhance sales management practices, accurately communicate product functions, and prevent misleading sales tactics to protect consumer rights [5][6] Group 4: Long-term Goals - The notification aims to balance inclusivity and commercial viability, promoting sustainable development of urban commercial medical insurance while supporting the establishment of a multi-tiered healthcare security system [6][7] - The ultimate goal is to create a win-win ecosystem that is affordable for patients, manageable for hospitals, and sustainable for businesses, thereby strengthening the multi-tiered healthcare system [7]