金融监管总局，最新发布！

Core Viewpoint - The Financial Regulatory Bureau has issued guidelines to promote the high-quality development of health insurance, emphasizing strong regulation and risk prevention to support the Healthy China strategy [1]. Group 1: Deepening Health Insurance Reform - The guidelines specify reform requirements for key health insurance products, including commercial medical insurance, long-term care insurance, income loss insurance due to disability, and disease insurance [3]. - As of the end of August, the original insurance premium income for health insurance from life insurance companies was 578.4 billion, accounting for 16.16% of total premium income, while property insurance companies reported 181.5 billion, making up 14.88% of their total [3]. Group 2: Product System and Coverage - The guidelines propose constructing a comprehensive, multi-tiered commercial medical insurance product system, incorporating new medical technologies, drugs, and equipment into coverage [4]. - Long-term medical insurance should adjust pricing based on risk categories and enhance the matching of premium rates with underwriting risks [4]. - The guidelines encourage the development of commercial long-term care insurance that meets home care, community care, and institutional care needs, offering a combination of cash benefits and care services [4]. Group 3: Enhancing Sustainability and Competitiveness - The guidelines emphasize the need for insurance companies to enhance their core competitiveness through professional capability building and digital application improvements [6]. - Issues such as product homogeneity and insufficient operational capabilities in the health insurance sector have been identified as constraints on service quality [6]. Group 4: Regulatory Strengthening - The guidelines call for strengthened health insurance regulation, including non-site monitoring and on-site inspections to combat malpractice and protect consumer rights [8]. - Future efforts will focus on creating a favorable policy environment for health insurance development and expediting the introduction of supporting business details for floating income health insurance [8].