国家金融监管总局：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 its critical role in the national health security system by 2030 [1][3]. Group 1: Overall Requirements - The guidelines are guided by Xi Jinping's thoughts and aim to deepen reforms in the health insurance sector, enhancing service and protection levels [3]. - By 2030, a multi-level health insurance market will be established to meet diverse needs across the entire population and lifecycle [3]. Group 2: Deepening Health Insurance Reform - The development of commercial medical insurance will be prioritized, creating a comprehensive product system that includes new medical technologies and treatments [4]. - There will be a focus on commercial long-term care insurance and disability income loss insurance, integrating cash benefits with care services [4]. - The guidelines encourage the development of disease insurance that adapts to changes in disease patterns and medical technology [5]. Group 3: Enhancing Sustainable Development Capacity - Strengthening professional capabilities and establishing a dynamic adjustment mechanism for actuarial parameters are key focuses [7]. - The guidelines promote the digital transformation of health insurance, utilizing AI and big data to improve management and service delivery [7]. - Health insurance companies are encouraged to explore innovative business models that integrate health management with insurance products [7]. Group 4: Strengthening Health Insurance Regulation - The establishment of a specialized statistical and regulatory evaluation system for health insurance is emphasized [8]. - The guidelines call for improved market order and the prevention of illegal activities within the health insurance sector [8]. Group 5: Optimizing the Health Insurance Development Environment - The creation of a standardized industry framework and the promotion of collaboration among various stakeholders are highlighted [9]. - Efforts will be made to enhance public awareness and understanding of health insurance through educational initiatives [9].