新规来了！金融监管总局重磅发布

Core Insights - The health insurance industry in China is set to receive new development guidelines aimed at promoting high-quality growth and enhancing regulatory measures to mitigate risks [1][3] Group 1: Industry Development Goals - The health insurance sector is crucial for providing financial protection against health-related losses, with a market that includes various types of insurance such as commercial medical insurance and long-term care insurance [3] - The market size of health insurance is expanding, with projected premium income of 977.3 billion yuan in 2024, and claims payments amounting to 405.2 billion yuan [3] - The new guidelines outline a 2030 development goal to enhance the role of health insurance within the national health security system, promoting a multi-layered market that meets diverse needs [4] Group 2: Innovative Measures - The guidelines propose several forward-looking initiatives, including support for personal account-based long-term medical insurance, encouraging individuals to plan and save for their health [5] - In long-term care insurance, the guidelines emphasize the integration of cash benefits with care services, indicating a shift towards providing market-oriented professional care [6] - The guidelines also advocate for the integration of health insurance with health management, focusing on a comprehensive system that includes prevention, management, and post-claim support [6] Group 3: Enhancing Industry Sustainability - The guidelines stress the importance of strengthening professional capabilities within insurance companies and establishing a measurable actuarial review mechanism [7] - There is a push for digital transformation in health insurance to enhance operational capabilities [7] - The guidelines provide opportunities for innovative pilot programs for well-rated health insurance companies, including increased cost-sharing for health management services and the combination of health and life insurance products [7]