上海团险版商保目录呼之欲出，新型团险定价“兼顾惠民属性”

Core Insights - Shanghai's leading commercial health insurance companies are collaborating to develop new group insurance products under the guidance of multiple departments, including healthcare and financial regulation [1] - Several innovative products are in the final stages of development, expected to launch in the second half of this year alongside model clauses [1] Group Insurance Product Development - The new group insurance products will incorporate a group insurance version of the commercial insurance drug list, focusing on coverage responsibilities outside of basic medical insurance [1] - The initiative aims to explore risk-sharing mechanisms such as co-insurance and is expected to broaden coverage responsibilities for employees' family members and cap individual medical expenses [1]