健康保险高质量发展指导意见出炉！将加快发展失能收入损失险

Core Viewpoint - The National Financial Regulatory Administration has released guidelines to promote the high-quality development of the health insurance industry, focusing on key insurance types and enhancing regulatory measures to better meet public health protection needs [2][3][5]. Group 1: Development Focus - The guidelines outline development priorities for four main types of health insurance: commercial medical insurance, commercial long-term care insurance, disability income loss insurance, and disease insurance [2]. - There is an emphasis on developing commercial medical insurance to create a comprehensive and multi-tiered product system, including coverage for new medical technologies, drugs, and devices, while encouraging products that benefit individuals with pre-existing conditions and rare diseases [3]. Group 2: Sustainable Development - The guidelines call for strengthening professional capabilities and establishing a health insurance actuarial retrospective mechanism to enhance the core competitiveness of health insurance companies [4]. - It supports pilot programs for combining health insurance with life insurance to better meet consumer needs for comprehensive protection [4]. Group 3: Regulatory Enhancements - The guidelines propose strengthening regulatory leadership and establishing specialized statistical and evaluation systems to standardize market order [5]. - There is a focus on improving service levels through enhanced cooperation between insurance companies and their branches, as well as increasing the efficiency of complaint handling and service delivery [6]. Group 4: Industry Transformation - The introduction of these guidelines is expected to facilitate a shift in the health insurance industry from a "fee reimbursement" model to a "health management" model, supporting diverse health protection needs throughout the life cycle [6].