账户式医疗险、分红健康险要来了！险企如何把握健康险新规机遇？

Core Viewpoint - The issuance of the "Guiding Opinions" by the Financial Regulatory Bureau presents substantial development opportunities for commercial health insurance, supported by institutional backing and clear directions for product innovation, payment reform, digital applications, long-term care insurance development, and medical collaboration [1][3]. Summary by Sections Background and Importance - The "Guiding Opinions" emphasize the role of health insurance in providing financial protection against health-related losses, linking it to the broader social security framework and the increasing health protection needs of the population as the economy and health strategies evolve [2]. Development Directions for Main Insurance Types - The document outlines key development areas for four main types of health insurance: commercial medical insurance, long-term care insurance, income loss insurance due to disability, and disease insurance, while also standardizing service operations [2][6]. Commercial Medical Insurance - The "Guiding Opinions" advocate for the "active development" of commercial medical insurance, detailing seven specific requirements, including the establishment of a comprehensive product system, inclusion of new medical technologies and drugs, and the encouragement of personalized long-term medical insurance [5]. Long-term Care and Disability Income Insurance - There is a push for the development of commercial long-term care insurance and disability income loss insurance, with specific encouragement for insurance companies to meet various care needs and provide integrated services [6][7]. Disease Insurance - The document suggests a "steady development" approach for disease insurance, recommending timely updates to disease definitions and regular assessments of disease incidence rates [6]. Innovation and Integration - The "Guiding Opinions" highlight the need for innovation in health insurance, including the introduction of dividend-based long-term health insurance and the integration of health management services, creating a new health service guarantee system [9]. Market Potential and Future Goals - The health insurance market has significant growth potential, with a target set for 2030 to enhance the role of health insurance in the national health security system, ensuring a multi-layered market that meets diverse needs [11]. Strategic Recommendations for Insurance Companies - Insurance companies are advised to focus on product innovation, industry collaboration, technological empowerment, and leveraging policy benefits to transition from a "protection payment" model to a "comprehensive health service and value operation" model [12][13].