山东非车险“见费出单”新规落地 护航财险行业高质量发展

Core Viewpoint - The implementation of the "fee-for-policy" model in Shandong's non-auto insurance sector aims to enhance risk control, standardize operations, and optimize services, thereby promoting high-quality development in the industry [1][2] Group 1: Industry Regulation and Development - The new regulation addresses the long-standing issue of "irregular premium management" in the non-auto insurance sector, which has led to financial burdens for companies and disputes with policyholders [1] - The "fee-for-policy" model requires full or initial premium payment before issuing legally binding policies, reducing operational risks for insurance companies and allowing them to focus on product innovation and service upgrades [1] - The regulation aims to compress irrational competition by establishing unified operational standards and a system of control and penalties, promoting a shift from "extensive development" to "standardized operations" in the non-auto insurance sector [1] Group 2: Benefits for Enterprises and Consumers - The new model is expected to significantly benefit enterprises, especially small and medium-sized businesses, by preventing contract disputes arising from the previous "policy first, payment later" approach, thus clarifying rights and obligations [2] - For consumers, the standardized processes and transparent operational standards will enhance the insurance purchasing experience and protect their legal rights throughout the insurance service process [2] - The regulation is viewed as a long-term strategic layout for the industry, aiming to improve service capabilities and protection levels while providing robust insurance support for the stable development of Shandong's real economy [2]