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 emphasize the need for urban commercial health insurance (惠民保) to maintain its commercial nature while ensuring broad accessibility and compliance with market principles [1][2][5]. Group 1: Regulatory Guidelines - The Financial Regulatory Bureau issued a notification on July 31, requiring urban commercial health insurance to focus on inclusivity while adhering to commercial attributes and insurance principles [1]. - The notification mandates that insurance companies optimize product offerings to meet diverse healthcare needs, ensuring coverage of new medical technologies and treatments [2][5]. 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 [3]. - The notification advocates for differentiated pricing based on factors such as age, gender, and health status to enhance fairness and adaptability in insurance products [3]. Group 3: Competition and Market Conduct - The notification prohibits "involution-style" competition, urging insurance companies to avoid price wars and ensure fair competition while enhancing product diversity [4][5]. - Companies are required to manage sales practices effectively, ensuring accurate communication of product features and preventing misleading sales tactics [4]. Group 4: Long-term Development Goals - The guidelines aim to balance inclusivity and commercial viability, promoting sustainable development of urban commercial health insurance while addressing public healthcare needs [5]. - The ultimate goal is to create a win-win ecosystem that is affordable for patients, manageable for hospitals, and sustainable for companies, thereby supporting a multi-tiered healthcare system [5].