金融监管总局：开展非车险业务应科学厘定保险费率，不得设置与所提供服务不符的高额费用

Core Viewpoint - The Financial Regulatory Administration has issued a notice to strengthen the regulation of non-auto insurance business, emphasizing the need for fair and reasonable insurance premium rates and the prohibition of excessive fees that do not correspond to the services provided [1] Group 1: Insurance Premium Regulation - Property insurance companies must scientifically determine insurance premium rates based on principles of fairness, reasonableness, and adequacy [1] - Companies are required to clearly list predetermined additional rates, average handling fee rates, and maximum single handling fee rates in their main insurance actuarial reports and additional insurance filing materials [1] - A mechanism for periodic review and dynamic adjustment of rates must be established, with timely adjustments and re-filing required if actuarial assumptions deviate significantly from actual operating conditions [1] Group 2: Compliance and Enforcement - Property insurance companies must strengthen the standardized use of premium rates for main and additional insurance policies, strictly adhering to the filed insurance terms and premium rates [1] - Insurance companies and intermediaries are prohibited from altering filed insurance terms and responsibilities through special agreements, endorsements, or memoranda [1] - The notice also forbids indirect adjustments to premium rates through methods such as splitting insurance objects, changing insured attributes, or modifying deductibles [1]