金融监管总局：“惠民保”应坚守商业属性，规范精准定价

Core Viewpoint - The National Financial Supervision Administration issued a notice aimed at promoting the high-quality development of urban commercial health insurance, emphasizing the importance of inclusivity, adherence to commercial principles, and compliance with insurance regulations [1] Group 1: Regulatory Guidelines - Urban commercial health insurance should highlight its inclusive positioning while maintaining its commercial nature and following insurance laws [1] - The notice mandates that insurance companies operate independently, with consumers voluntarily choosing to purchase insurance [1] - Companies are required to align premium collection with the level of coverage provided, ensuring a balance between expanding coverage and sustainable commercial development [1] Group 2: Consumer Protection and Product Management - Insurance companies must focus on the needs of target customers when defining insurance responsibilities and exclusions [1] - There is a requirement for enhanced management of product sales appropriateness, ensuring accurate communication of product functions and benefits to the public [1] - Companies must collaborate with sales channels to fulfill the obligation of explaining exclusion clauses, preventing misleading sales practices that exaggerate coverage or conceal exclusions [1]