报告：截至2025年7月末全国累计推出313款惠民保产品

Core Insights - The report highlights the transition of the "惠民保" market from "incremental expansion" to "stock optimization" for high-quality development by 2025 [1][2] - As of July 2025, a total of 313 "惠民保" products are expected to be launched, with 9 new products added in the first seven months of 2025 [1] - Traditional "惠民保" products dominate the market, accounting for over 80% of the currently operational 202 products [1] Product Development - The new "惠民保" products exhibit a "dual-driven" characteristic, focusing on both expanding into lower-tier markets and innovating within existing markets [1] - In Guangdong, a new inclusive critical illness insurance product has been introduced, showcasing ongoing product innovation [1] Special Drug Coverage - Special drug coverage has become a key innovation area for "惠民保" products, with an average of 41 special drugs covered per product and 28 types of applicable conditions [1] - Over 80% of the 169 basic traditional "惠民保" products include special drug responsibilities, primarily focusing on malignant tumors while also expanding coverage for rare diseases [1] Future Challenges - The future development of "惠民保" faces challenges such as determining reasonable rates, setting appropriate exclusions, and effectively preventing risks and adverse selection [2] - With a stable market foundation, accelerated product innovation, and improved regulatory policies, "惠民保" is entering a new phase of high-quality development, contributing significantly to China's multi-tiered medical security system [2]