金融监管总局发文要求“惠民保”规范精准定价

Core Viewpoint - The National Financial Regulatory Administration has issued a notice to promote the high-quality development of urban commercial health insurance, emphasizing its inclusive nature while maintaining its commercial attributes and adhering to insurance regulations [1][2]. Group 1: Urban Commercial Health Insurance Overview - Urban commercial health insurance, known as "Hui Min Bao," is guided by local governments and operated by insurance companies, designed to complement basic medical insurance with low entry barriers, low premiums, and high coverage [1]. - The rapid development of urban commercial health insurance in various regions meets the diverse health protection needs of the population [1]. Group 2: Policy Requirements - The notice mandates that urban commercial health insurance should focus on inclusivity, optimizing product supply to ensure broad coverage, reasonable premiums, and effective protection [1]. - Insurance companies are required to operate autonomously while ensuring voluntary participation from the public, aligning premium collection with the level of coverage provided [1]. Group 3: Pricing and Data Insights - Urban commercial health insurance must implement precise pricing based on risk-sharing principles, considering factors such as age, gender, and health status for differentiated pricing [2]. - The commercial health insurance premium income in China is projected to reach nearly 1 trillion yuan in 2024, with 6.223 billion yuan collected in the first half of 2025, reflecting an average annual growth rate of approximately 20% over the past decade [2]. - Cumulative claims paid amount to 2.6 trillion yuan, with over 2.5 trillion yuan in long-term liability reserves accumulated, indicating a robust future health protection reserve for the population [2].