推动深化健康险改革！金融监管总局发布

Core Viewpoint - The article discusses the release of the "Guiding Opinions on Promoting High-Quality Development of Health Insurance" by the Financial Regulatory Bureau, which outlines 15 measures aimed at enhancing the regulation and sustainable development of health insurance in China, aligning with the Healthy China strategy [2]. Group 1: Deepening Health Insurance Reform - The Opinions propose specific reform requirements for major health insurance types, including commercial medical insurance, long-term care insurance, disability income loss insurance, and disease insurance [4]. - As of the end of August, the original insurance premium income for health insurance from life insurance companies was 578.4 billion yuan, accounting for 16.16% of total premium income, while property insurance companies reported 181.5 billion yuan, making up 14.88% of their total [4]. Group 2: Product System and Service Enhancement - The Opinions aim to establish a comprehensive, multi-tiered commercial medical insurance product system, incorporating new medical technologies, drugs, and devices into coverage [5]. - It encourages long-term medical insurance to price according to risk categories and improve the matching of premium rates with underwriting risks [5]. - The document supports the development of personal account-style long-term medical insurance and the expansion of coverage for disability income loss insurance [5]. Group 3: Sustainable Development and Professional Capacity - The Opinions emphasize enhancing the sustainable development capacity of health insurance companies through professional capability building and digital application improvements [8]. - It identifies issues such as product homogeneity and insufficient industry operational capacity that hinder service quality [8]. - The document calls for strengthening the responsibilities of insurance companies and improving actuarial management mechanisms [8]. Group 4: Regulatory Strengthening - The Opinions stress the importance of regulatory oversight to maintain market order and address illegal activities, including financial misconduct and misleading sales practices [11]. - The Financial Regulatory Bureau plans to enhance communication with other departments to create a favorable policy environment for health insurance development [11]. - It also aims to expedite the research and implementation of supporting business details for floating income health insurance [11].