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Core Viewpoint - The National Financial Regulatory Administration has issued guidelines to promote the high-quality development of health insurance, emphasizing the need for a comprehensive and multi-layered commercial medical insurance product system that includes new medical technologies, drugs, and devices [10][11]. Group 1: Development of Commercial Medical Insurance - Actively develop commercial medical insurance and construct a comprehensive, multi-layered product system [12]. - Encourage the inclusion of new medical technologies, drugs, and devices in insurance coverage [12]. - Support the establishment of personal account-based long-term medical insurance and diversify service forms [12][11]. Group 2: Long-term Care and Disability Income Insurance - Accelerate the development of commercial long-term care insurance and disability income loss insurance [13]. - Provide insurance services that combine cash payments with care services, addressing home, community, and institutional care needs [13]. - Support the conversion of life insurance benefits into care expenses for insured individuals who become disabled [13]. Group 3: Disease Insurance and Health Management - Steadily develop disease insurance, revising definitions based on disease spectrum changes and medical advancements [13]. - Promote the integration of health insurance with health management, creating a new service guarantee system that combines prevention, management, and protection [14]. Group 4: Regulatory and Market Environment - Strengthen regulatory frameworks and enhance the efficiency of health insurance operations [16]. - Establish a standardized system for health insurance, including demonstration clauses and service evaluation metrics [18]. - Promote collaboration among regulatory bodies, insurance organizations, and health service providers to enhance product development and market performance [18].