政策东风+产品研发！重启分红险重疾险，险企要算好哪些关键账？

Core Viewpoint - The resurgence of dividend-type critical illness insurance is anticipated in the market, driven by recent policy support from the National Financial Regulatory Administration [1][3][4] Policy Support - The National Financial Regulatory Administration's guidance encourages insurance companies with good regulatory ratings to develop dividend-type long-term health insurance products [3][4] - Major insurers like China Ping An and Xinhua Insurance have expressed their commitment to research and develop dividend-type critical illness insurance products in response to the new policy [5][6] Market Dynamics - The traditional critical illness insurance market has faced challenges, leading to a renewed interest in dividend-type products as a potential solution [4][7] - The introduction of dividend mechanisms is seen as a way to enhance the attractiveness of long-term health insurance products and innovate their offerings [5][6] Product Concerns - There is a distinction between genuine dividend-type critical illness insurance and products that are merely labeled as such, with the latter often being criticized as "pseudo-dividend critical illness insurance" [6] - True dividend-type critical illness insurance should link dividends directly to the performance of the critical illness insurance itself, rather than relying on the performance of a separate dividend insurance component [6] Industry Challenges - The insurance industry faces significant hurdles in reintroducing dividend-type critical illness insurance, including the need for accurate pricing, stable investment returns, and strict underwriting practices [8] - Insurers must navigate complex financial considerations, including capital requirements and customer expectations, to successfully launch these products [8][9] Consumer Acceptance - Gaining consumer trust and acceptance of dividend-type critical illness insurance will be crucial for its long-term success in the market [9]