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: Development Guidelines - 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 independently 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 a 20% average annual growth rate over the past decade, and accumulated claims payments of 2.6 trillion yuan [2].