鼓励差异化定价 惠民保迎高质量发展新规

Core Viewpoint - The new regulatory guidelines aim to enhance the quality and accessibility of urban commercial health insurance (惠民保), emphasizing a balance between inclusivity and commercial viability [1][4]. Group 1: Regulatory Guidelines - The Financial Regulatory Bureau issued a notification on July 31, promoting high-quality development of urban commercial health insurance, focusing on inclusivity and adherence to insurance principles [1]. - The notification mandates that insurance companies implement differentiated pricing based on factors such as age, gender, and health status to improve fairness and adaptability of products [2][3]. - Insurance companies are required to base their pricing on reliable historical data regarding disease incidence, payout rates, and cost rates, ensuring scientific and accurate pricing [2]. Group 2: Market Conduct - The notification emphasizes the need for insurance companies to operate independently while ensuring voluntary participation from consumers, promoting a sustainable business model [2]. - Companies are instructed to avoid "involution" or cutthroat competition, ensuring fair competition and maintaining service quality [4]. - The guidelines also prohibit setting predetermined payout rates or creating discriminatory entry and exit conditions for insurance contracts [4]. Group 3: Industry Impact - The new regulations are expected to optimize the risk pool structure by implementing tiered pricing, which aligns costs with risk profiles [3]. - The guidelines aim to enhance consumer satisfaction and trust in the insurance industry by promoting transparency and ethical practices [2][4]. - The notification serves as a strategic framework for the sustainable development of urban commercial health insurance, contributing to a multi-tiered medical security system [4].