北京：支持商业保险产品创新 支持商业保险公司探索开发疾病预测与干预保险

Core Viewpoint - The Beijing Municipal Medical Insurance Bureau and the Beijing Financial Supervision Bureau have jointly issued measures to support the high-quality development of commercial health insurance, emphasizing product innovation and the development of specialized insurance products [1] Group 1: Support for Product Innovation - The measures encourage commercial insurance companies to explore and develop innovative insurance products, including disease prediction and intervention insurance, specific disease insurance for cardiovascular diseases and rare diseases, as well as innovative drug insurance [1] - There is a push for the development of group health insurance products and support for commercial nursing insurance and income loss insurance due to disability [1] - Qualified commercial insurance companies are encouraged to engage in dividend-type long-term health insurance business [1] Group 2: Tailored Insurance Solutions - The measures promote the development of medical insurance products tailored to the needs of foreign personnel in China, streamlining the insurance and claims processes while enhancing health management services [1] - There is encouragement for the development of unique models for commercial health insurance, leveraging artificial intelligence technology in product design and risk control [1]