【金融街发布】金融监管总局：到2030年满足全人群和全生命周期多样化需求的多层次健康保险市场格局基本形成

Core Viewpoint - The National Financial Regulatory Administration has issued guidelines to promote the high-quality development of health insurance, aiming for a more integrated and multi-level health insurance market by 2030 [1] Group 1: Development of Health Insurance - The guidelines emphasize the active development of commercial medical insurance, creating a comprehensive and multi-tiered product system that includes new medical technologies and treatments [2] - There is a focus on the development of long-term care insurance and disability income loss insurance, aligning with home, community, and institutional care needs [2] - The guidelines advocate for the steady development of disease insurance, with regular updates to disease definitions and incidence rates [3] Group 2: Integration and Collaboration - The integration of health insurance with health management is encouraged, promoting a new service system that combines prevention, management, and protection [3] - The guidelines call for collaboration between health insurance and the broader health industry, enhancing service networks and integrating with medical and pharmaceutical sectors [4] Group 3: Regulatory Enhancements - Strengthening the regulatory framework for health insurance is a priority, including the establishment of independent financial rules and product oversight [7] - The guidelines propose measures to improve market order and address illegal activities within the health insurance sector [7] Group 4: Sustainable Development - The guidelines highlight the need for enhancing the professional capabilities of insurance companies and improving their data-driven operations [5] - There is an emphasis on increasing the core competitiveness of health insurance companies through innovative strategies and integrated health management [5] Group 5: Environment Optimization - Establishing a standardized system for health insurance is crucial, including the development of model clauses and evaluation metrics for services [8] - The guidelines promote multi-party collaboration to enhance information sharing and support the development of regional health insurance products [8]