四大类险种将迎深化改革！金融监管总局最新明确

Core Insights - The health insurance sector is experiencing rapid growth but faces several stage-specific issues that hinder the improvement of service and protection levels [1] - The Financial Regulatory Authority has released guidelines aimed at promoting high-quality development in health insurance, focusing on four types of insurance: commercial medical insurance, commercial long-term care insurance, disability income loss insurance, and disease insurance [1][3] Group 1: Development Plans - The guidelines emphasize the need to accelerate the research and implementation of floating income health insurance and other supporting business details to enrich product offerings [2] - By 2024, the health insurance industry is projected to achieve premium income of 977.4 billion yuan, with a goal to enhance the role of health insurance in the national health security system by 2030 [3] - The guidelines advocate for the active development of commercial medical insurance, including the incorporation of new medical technologies, drugs, and devices into insurance coverage [3] Group 2: Long-term Care and Disability Insurance - The guidelines propose to align long-term care insurance with home care, community care, and institutional care needs, offering a combination of cash benefits and care services [4] - A pilot program for converting life insurance benefits into long-term care expenses will be expanded to a comprehensive rollout, allowing insured individuals to use life insurance payouts for care costs [4] Group 3: Disease Insurance and Consumer Needs - The guidelines support well-rated insurance companies in launching dividend-based long-term health insurance products, which can better meet diverse consumer needs in a low-interest-rate environment [4] - The integration of health insurance with health management is encouraged, promoting a new service system that combines prevention, management, and protection [5] Group 4: Enhancing Competitiveness - The guidelines call for enhancing the core competitiveness of health insurance companies by exploring development strategies and business models that align with health insurance characteristics [5][6] - Insurance companies are encouraged to improve their health management service capabilities through the establishment of specialized health management subsidiaries and by optimizing service experiences [5]