金融监管总局出手 规范城市商业医疗险发展

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 commercial attributes and adhering to insurance principles [1][2]. Group 1: Policy Requirements - The notice requires urban commercial health insurance, known as "惠民保," to focus on inclusivity, ensuring low entry barriers, low premiums, and high coverage to meet diverse health protection needs [1]. - Insurance companies are urged to optimize product offerings based on the quality medical protection needs of the public, incorporating new medical technologies, drugs, and equipment into coverage [1]. Group 2: Commercial Attributes - Urban commercial health insurance must adhere to market-oriented and legal principles, allowing companies to operate independently while ensuring voluntary participation from the public [2]. - The notice emphasizes the need for differentiated pricing based on factors such as age, gender, and health status, moving away from the previous uniform pricing model [2]. Group 3: Competition and Market Conduct - The notice prohibits "involutionary" competition among insurance companies, mandating fair competition and the enhancement of product and service diversity [3]. - Companies are not allowed to engage in low-price, disorderly competition or set pre-determined compensation rates, ensuring compliance with commercial insurance principles [3]. Group 4: Market Impact - Analysts predict that leading insurance companies that effectively transition their life insurance channels and products will benefit significantly, especially those with strong health insurance service systems [3].