健康保险迎重磅新规，涉及个人账户式长期医疗保险等新概念

Core Viewpoint - The release of the "Guiding Opinions on Promoting the High-Quality Development of Health Insurance" aims to enhance health insurance services and align with the "Healthy China" strategy, addressing existing challenges in the industry [1][2]. Group 1: Industry Development Goals - Health insurance is a crucial part of the social security system, connecting various sectors and addressing public health needs, with increasing importance as the economy and health demands grow [2]. - The Opinions set a target for 2030, aiming for a multi-level health insurance market that meets diverse needs across the population and life stages, with improved regulatory frameworks [2]. Group 2: Specific Measures - The Opinions outline four main areas for action: 1. Deepening health insurance reforms by planning the development of key insurance types and standardizing services [3]. 2. Enhancing sustainable development capabilities by encouraging insurance companies to improve professional skills and digital applications [3]. 3. Strengthening health insurance regulation to ensure market order and address illegal activities [3]. 4. Optimizing the development environment by establishing industry norms and promoting collaboration [3]. Group 3: Innovations and New Proposals - The Opinions introduce new concepts such as supporting dividend-type health insurance and personal account-based long-term medical insurance, encouraging early health planning among the public [4]. - The integration of health insurance with health management is emphasized, promoting a service system that focuses on prevention, intervention, and claims [4]. Group 4: Future Directions - The regulatory body will focus on creating a favorable policy environment, developing guidelines for floating income health insurance, and maintaining strict oversight to protect consumer rights [4][5].