精细化定价 惠民保或将告别统一费率

Core Viewpoint - The National Financial Regulatory Administration has issued a notice to insurance companies aimed at promoting the high-quality development of urban commercial health insurance, emphasizing the need for inclusive positioning and precise pricing [1][2]. Group 1: Regulatory Changes - The notice requires urban commercial health insurance, commonly known as "惠民保," to adhere to the principle of risk pricing, moving away from the previous uniform pricing model that did not consider age, gender, or health status [2]. - Insurance companies are expected to implement differentiated pricing based on various factors such as age, gender, and health conditions, which will enhance the fairness and adaptability of products and services [2]. Group 2: Market Impact - The new regulations are anticipated to benefit leading insurance companies that are well-positioned in health insurance services and have advantageous pricing capabilities [1]. - Analysts believe that the requirement for precise pricing and diversified product offerings will help improve the insurance protection system and stimulate demand for insurance products among residents [2].