监管支持浮动收益型健康保险发展 分红型重疾险将重出江湖？

Core Viewpoint - The Financial Regulatory Bureau has issued guidelines to promote the high-quality development of health insurance, focusing on optimizing existing policies and addressing key issues in the sector [1][2] Group 1: Development Focus - The guidelines outline development priorities for four major types of insurance: commercial medical insurance, long-term care insurance, income loss insurance due to disability, and disease insurance [1][3] - There is an emphasis on developing a comprehensive and multi-tiered commercial medical insurance product system, incorporating new medical technologies and treatments [3][5] - The guidelines support the development of floating income health insurance, indicating a potential resurgence of dividend-type critical illness insurance products [1][6] Group 2: Regulatory Measures - The Financial Regulatory Bureau plans to enhance communication with other departments to create a favorable policy environment for health insurance development [2] - There will be a focus on accelerating the research and implementation of supporting business details for floating income health insurance [2][6] - The guidelines stress the importance of strengthening regulatory oversight of health insurance businesses to protect consumer rights [2] Group 3: Integration and Collaboration - The guidelines advocate for the integration of health insurance with health management services, promoting a holistic approach to health risk reduction and improving public health [4][5] - There is support for establishing collaborative mechanisms with pharmaceutical and medical device companies to explore innovative payment methods based on market principles [4] Group 4: Product Diversification - The guidelines encourage the development of long-term care insurance and income loss insurance due to disability, aiming to meet the needs of home, community, and institutional care [5][6] - There is a call to enhance the definition of diseases covered by disease insurance in line with changes in disease patterns and medical advancements [6] - The guidelines propose to increase the core competitiveness of health insurance companies by exploring new business strategies and models [7]