浮动收益型健康保险、个人账户式长期医疗保险要来了！详解健康保险高质量发展蓝图

Core Viewpoint - The recent guidelines issued by the Financial Regulatory Bureau aim to promote the high-quality development of health insurance in China, addressing existing challenges and enhancing the sustainability of health insurance services to support the Healthy China strategy [1][2]. Group 1: Expansion of Health Insurance Products - The guidelines encourage the development of commercial medical insurance and the expansion of health insurance product forms and functions, including the incorporation of new medical technologies, drugs, and devices into insurance coverage [2][3]. - There is a focus on establishing a comprehensive, multi-tiered commercial medical insurance product system, which will enhance the payment capabilities for new medical products through innovative payment methods [2][3]. Group 2: Long-term Medical Insurance Development - The guidelines support the development of long-term medical insurance by encouraging pricing based on risk categories and improving the matching of insurance rates with underwriting risks [3][4]. - The introduction of personal account-based long-term medical insurance is a notable aspect, allowing funds to cover out-of-pocket medical expenses and health management services [4]. Group 3: Integration of Health Insurance and Health Management - The guidelines propose a new health service guarantee system that integrates prevention, management, and protection, promoting the provision of medical, rehabilitation, and nursing services as part of health insurance [5][6]. - Insurance companies are encouraged to establish health management subsidiaries to enhance their service capabilities and better meet the health management needs of the public [6]. Group 4: Support for Well-rated Insurance Companies - The guidelines support well-rated insurance companies in launching new business initiatives, including dividend-type long-term health insurance and trial programs for increasing the cost-sharing ratio of health management in net premiums [7]. - This initiative aims to combine the floating income mechanism with public health needs, enhancing the profitability of insurance companies while benefiting consumers [7].