精算师协会：积极开展商业医疗险净成本表编制工作 推动健康保险高质量发展

Core Viewpoint - The article emphasizes the importance of developing a net cost table for commercial health insurance to enhance the quality of health insurance in China, as guided by the National Financial Regulatory Administration's directive [1][2]. Group 1: Development of Net Cost Table - The actuarial association is organizing industry efforts to compile a net cost table for commercial health insurance, forming project teams within insurance companies to conduct experience analysis based on industry conditions [1][2]. - The initiative aims to improve the alignment of insurance premiums with underwriting risks, thereby enhancing the overall product system of commercial health insurance [1][2]. Group 2: Innovation in Drug Cost Measurement - The association is actively working on measuring and analyzing the costs of innovative drugs, establishing a regular communication mechanism with the pharmaceutical industry to facilitate information exchange [1][2]. - This effort is intended to support insurance companies in setting scientifically sound pricing, further aligning premiums with underwriting risks [1][2]. Group 3: Promotion of Beneficial Insurance - The association is steadily advancing the compilation of a net cost table for beneficial insurance, enhancing communication and coordination with external organizations to ensure effective cost measurement and analysis [1][2]. - This initiative is part of a broader strategy to strengthen experience accumulation within the industry, promoting refined management practices and optimizing product offerings [1][2].