金融监管总局：积极将医疗新技术、新药品、新器械纳入保险保障范围

Core Viewpoint - The National Financial Regulatory Administration has issued guidelines to promote the high-quality development of health insurance, emphasizing the active development of commercial medical insurance [1] Group 1: Development of Commercial Medical Insurance - The guidelines propose the construction of a comprehensive and multi-tiered commercial medical insurance product system [1] - There is an encouragement to include new medical technologies, new drugs, and new medical devices in the insurance coverage [1] Group 2: Long-term Medical Insurance - Long-term medical insurance should price according to risk categories to enhance the alignment between insurance rates and underwriting risks [1] - A mechanism for adjusting long-term medical insurance rates is to be established to provide fair, accessible, and stable long-term medical insurance services [1] - Support is given for the development of personal account-based long-term medical insurance products to diversify service offerings [1] Group 3: Short-term Medical Insurance - The guidelines call for the standardized development of short-term medical insurance [1] - Urban commercial medical insurance should be developed in a stable and orderly manner, adhering to the basic principles and objective laws of commercial insurance [1] Group 4: Innovation in Insurance Products - There is an emphasis on innovating loss compensation and risk-sharing mechanisms [1] - The guidelines encourage the development of commercial medical insurance products that benefit individuals with pre-existing conditions and rare diseases [1]