突出普惠定位、坚守商业属性 城市商业医疗险新规提升产品商业可持续性

Core Viewpoint - The Financial Regulatory Bureau issued a notice to promote the high-quality development of urban commercial health insurance, emphasizing its inclusive nature and commercial attributes to ensure sustainable growth [1][4]. Group 1: Development and Challenges - Urban commercial health insurance, known as "Hui Min Bao," has rapidly developed in recent years, with 168 million participants, effectively meeting public healthcare needs [2]. - Despite its growth, the commercial sustainability of Hui Min Bao faces challenges, including a low overall participation rate of about 5%, which may lead to adverse selection and financial instability [3]. Group 2: Regulatory Guidelines - The notice outlines several guidelines to enhance the sustainable development of Hui Min Bao, including optimizing product supply, expanding coverage, and ensuring fair pricing [4][5]. - Insurance companies are required to adopt risk-based pricing, considering factors such as age, gender, and health status to improve product fairness and adaptability [5][6]. Group 3: Market Dynamics - The notice reiterates the commercial nature of Hui Min Bao, mandating that insurance companies operate independently while ensuring consumer protection and satisfaction [6]. - It also prohibits low-price, chaotic competition among insurers to promote high-quality development in urban commercial health insurance [6].