Core Insights - The National Financial Supervision Administration has released guidelines to promote the high-quality development of health insurance, focusing on four main types of insurance: commercial medical insurance, commercial long-term care insurance, disability income loss insurance, and disease insurance [1] Group 1: Development Focus - The guidelines aim to deepen health insurance reform and outline development priorities for the four major types of health insurance [1] - A comprehensive and multi-tiered commercial medical insurance product system will be established, incorporating new medical technologies, drugs, and devices into the insurance coverage [2] Group 2: Support for Innovative Insurance Products - The guidelines support the development of floating income-type health insurance and personal account-based long-term medical insurance, encouraging insurance companies to provide more comprehensive health insurance services [3] - The conversion of life insurance and care payment responsibilities will be fully implemented, allowing policyholders to convert life insurance benefits into care expenses when disabled [4] Group 3: Regulatory Emphasis - The guidelines emphasize the need for strengthened regulatory leadership, market order standardization, and the investigation of illegal activities [5]
事关健康保险高质量发展 金融监管总局发布指导意见
Yang Shi Xin Wen·2025-09-30 08:35