来源：险企高参 非车险市场将逐步告别内卷，迈入高质量发展的新阶段。 2025年末《非车险综合治理有关问答（一）》（以下简称：《问答》）下发，为11月1日起实施的非车 险"报行合一"政策提供详细补充。作为继车险、寿险之后"报行合一"监管的第三大战场，非车险综合治 理细则落地，标志着财险全业务线费用管控将得到进一步完善。 从内容上看，《问答》对"见费出单""分期缴费"等关键条款给出明确标准。 《问答》明确，保险公司须在收取保费后签发保单并开具发票，保险中介机构代收保费不视为"见费出 单"。针对地方财政吃紧背景下的政策性业务难题，《问答》允许党政机关等使用财政资金投保的业 务，凭政府签章文件灵活签发保单。但明确企事业单位及个人投保、政府仅提供补贴的业务仍须严格执 行"见费出单"。 在分期缴费方面，《问答》禁止"前低后高"的缴费结构，要求首次缴费后，其余各期金额原则上保持一 致或递减，最后一期缴费金额不超过总保费除以缴费次数的金额，扭转部分险企将缴费条件异化为竞争 砝码的乱象。 针对专项业务，《问答》也明确了差异化规则：财政补贴性农险附加费率不得超过25%，且不列支手续 费，须确认收到农民或农业生产经营组织自缴保费后 ...

上海证券报记者从相关渠道获悉，金融监管总局近日下发《关于印发〈非车险综合治理有关问答(一)〉 的通知》(下称《通知》)，针对非车险"报行合一"实施过程中出现的各类现实问题，进一步厘清政策内 涵与边界，统一行业执行标准。 业内专家表示，《通知》针对当前非车险领域执行"报行合一"存在的主要问题和矛盾，首次进行全面梳 理，统一执行标准。非车险业务"内卷"现象一直比较明显，各财产保险公司过去过度追求业务规模和业 务增速，不仅牺牲了承保利润，也引发了一些风险事件，《通知》将推动非车险业务更好地执行"报行 合一"，从而促进非车险业务高质量发展。 此前，非车险市场长期存在非理性竞争，导致出现费用水平过高、持续承保亏损、应收保费居高不下等 问题，不仅对保险公司的现金流和财务稳定性造成不利影响，也容易因缴费义务和保险责任不匹配造成 理赔纠纷。 (责任编辑：孟茜云) 因为涉及党政机构、公众利益，《通知》明确，这些业务可以不执行"见费出单"，保险公司可在政府提 供已签章的投保单、协议或政府相关文件(如投标文件、会议决议文件、政府发文等)的前提下签发保 单。企事业单位、个人作为投保人，政府只是提供补贴的业务，须"见费出单"，但政府补 ...

◎记者 韩宋辉 上海证券报记者从相关渠道获悉，金融监管总局近日下发《关于印发〈非车险综合治理有关问答 （一）〉的通知》（下称《通知》），针对非车险"报行合一"实施过程中出现的各类现实问题，进一步 厘清政策内涵与边界，统一行业执行标准。 多位财险业务人士告诉上海证券报记者，近年来，地方财政吃紧，在"见费出单"的各种争议中，党政机 关等单位为公众利益利用财政资金投保的政策性业务最容易出现延期缴费，也就比较难实现"见费出 单"。 因为涉及党政机构、公众利益，《通知》明确，这些业务可以不执行"见费出单"，保险公司可在政府提 供已签章的投保单、协议或政府相关文件（如投标文件、会议决议文件、政府发文等）的前提下签发保 单。企事业单位、个人作为投保人，政府只是提供补贴的业务，须"见费出单"，但政府补贴的部分不纳 入考量。 根据此前政策，保费金额较大的保险合同允许安排一定灵活的缴费方式，即分次缴费。业内人士告诉记 者，部分保险公司将缴费条件异化为竞争砝码，甚至订立缴费金额"前低后高"的极端分次结构，违背分 次缴费制度设计的初衷。 根据《通知》，保险公司应合理确定分次缴费结构，首次之外，原则上每次应保持一致或递减，最后一 次缴 ...

来源：蓝鲸新闻 国） 蓝鲸新闻记者从业内获悉，金融监管总局近日下发《关于印发<非车险综合治理有关问答（一）>的通 知》（下称《问答》），针对非车险"报行合一"实施过程中出现的各类现实问题，进一步厘清政策内涵 与边界，统一行业执行标准。 从行业情况来看，非车险业务种类丰富、情况复杂，非车险综合治理工作正按照"依法合规、实事求 是、先立后破、稳步推进"的原则有序开展。2025年，监管先后下发《关于加强非车险业务监管有关事 项的通知》（下称《通知》）和《加强非车险业务监管有关工作指引》（下称《指引》）两份文件，进 一步明确非车险"报行合一"相关工作。 有业内人士向记者表示，不同于标准化的车险业务，非车险业务场景更复杂、涉及的产品类型和行业类 型也更多，在业务开展过程中，对相关政策有不同的理解，比较典型就包括部分领域并不具备"见费出 单"的条件。 此次《问答》明确，财险公司应在收取保费后向客户签发保单并开具保费发票，保险中介机构代收保费 不视为"见费出单"；对于人民币业务，保险公司收到银行承兑汇票后签发保单可视为"见费出单"；对于 共保业务，主承保公司或保交所等行业基础设施收取保费后签发保单和开具发票，可视为"见费出 ...

2026年，非车险"报行合一"继续推进中。 近日，慧保天下独家获悉国家金融监管总局财险司已于2025年最后一天正式下发《关于印发《非车险综 合治理有关问答（一）》的通知》（金财险司函〔2025〕639号，以下简称《问答》），针对非车险"报 行合一"实施过程中所出现的各类现实问题，一一给出详细解答，进一步厘清政策内涵与边界，统一行 业执行标准。 2025年，针对非车险"报行合一"，监管部门曾发布两则重磅文件，分别是《关于加强非车险业务监管有 关事项的通知》（金发〔2025〕36号，以下简称《通知》）和《加强非车险业务监管有关工作指引》 （金财险司函〔2025〕527号，以下简称《指引》）》，对于行业落实非车险"报行合一"做出了明确的 规定。 两则文件一经下发，即在行业引发广泛讨论，而其中涉及的一些细节问题，却引发了险企业务一线的困 惑，因为"非车险"涉及险种众多，行业众多，业务场景情况复杂之程度要远超车险，有的领域甚至 连"见费出单"的条件都不具备。此次《问答》的下发，无疑就是要解决这些困惑。 这其中最值得关注的核心内容莫过于: 短期意健险不适用非车险"报行合一"，部分险种除外； 保险中介代收保费不视为"见费出 ...

Core Viewpoint - The implementation of "reporting and execution in unison" for non-auto insurance starting November 1 aims to standardize the market, curb vicious competition, and improve underwriting profitability [1][2]. Group 1: Implementation Details - "Reporting and execution in unison" means that the insurance terms and rates executed by companies must align with the materials submitted to regulatory authorities [2]. - The non-auto insurance sector has seen rapid growth, with premium income reaching 687.8 billion yuan in the first nine months of this year, accounting for a significant portion of property insurance premiums [2]. - Regulatory measures have been introduced to address issues in the non-auto insurance market, including optimizing assessment mechanisms and strengthening rate management [2][4]. Group 2: Industry Impact - Analysts believe that the new regulations will lead to a shift in business models, focusing on service competition rather than price competition, ultimately promoting high-quality development in the non-auto insurance sector [3][5]. - The requirement for "fee upon issuance" will change the operational processes of insurance companies, necessitating communication with clients regarding these changes [4]. Group 3: Future Competitiveness - The competition in the non-auto insurance market is expected to shift from cost-based competition to a focus on pricing capability, risk identification, and service quality [5][6]. - Smaller specialized insurance companies can leverage their strengths by focusing on niche markets and offering customized products and differentiated services [6].

Core Viewpoint - The implementation of the unified reporting and pricing system for non-auto insurance starting November 1 aims to standardize the market, curb vicious competition, and improve underwriting profitability [1][2]. Group 1: Implementation of Unified Reporting and Pricing - The unified reporting and pricing system requires insurance companies to align their actual insurance terms and rates with the materials submitted to regulatory authorities [1]. - Non-auto insurance has seen rapid growth, with premium income reaching 687.8 billion yuan in the first nine months of the year, accounting for a significant portion of property insurance premiums [1]. - The previous competitive model based on pricing has led to underwriting losses for many companies, necessitating a shift towards improved pricing capabilities [1][2]. Group 2: Regulatory Guidance and Industry Response - The Financial Regulatory Authority has issued guidelines to enhance the management of non-auto insurance, focusing on optimizing assessment mechanisms and strengthening rate management [2]. - Insurance companies have established special task forces to review existing products and upgrade systems to comply with new regulations [2][3]. - Different non-auto insurance products have specific re-filing deadlines, with commercial property insurance needing to be re-filed by December 1, 2025, and other products by the end of 2026 [2]. Group 3: Changes in Business Operations - The requirement for "fee upon issuance" means that property insurance companies must collect premiums before issuing policies, altering traditional business practices [3]. - Companies are currently informing clients about these changes and coordinating with relevant departments for system upgrades [3]. Group 4: Future Market Dynamics - The competition in the non-auto insurance market is expected to shift from price competition to a focus on pricing capability, risk identification, and service quality [3][4]. - Smaller specialized insurance companies can leverage their strengths by focusing on niche markets and offering customized products and differentiated services [4]. - Companies are encouraged to enhance their cost accounting systems and invest in technology to improve risk pricing and underwriting capabilities [4].

Core Viewpoint - The implementation of the "reporting and operation integration" requirement for non-auto insurance will begin on November 1, which is seen as a significant regulatory change in the industry [2][9]. Group 1: Reporting and Operation Integration - The "reporting and operation integration" refers to the requirement that property insurance companies must issue policies and invoices only after receiving premiums, a shift from the previous practice of issuing policies before payment [3][4]. - This change aims to address two main issues: the rising accounts receivable due to the previous "non-fee issuance" practice and the potential for fraudulent premium reporting [3][4]. - The industry generally views this shift positively, as it is expected to alleviate the pressure of high accounts receivable and improve cash flow for non-auto insurance [3][5]. Group 2: Implementation Challenges - Insurance companies are currently preparing for the transition, which includes informing clients about the new "fee issuance" requirement and upgrading their systems [5]. - There are concerns regarding the initial difficulties in adapting to this new requirement, particularly for certain non-auto insurance products like cargo insurance, where determining the exact premium can be challenging [5][6]. Group 3: Payment Flexibility - The regulatory body has allowed for installment payments for large projects, with specific guidelines for premium payments exceeding a certain amount [7][8]. - The minimum installment payment is set at 200,000 yuan, and the first payment must be at least 25% of the total premium [8]. Group 4: New Product Reporting - The new regulations also emphasize the need for strict adherence to rate management and the proper use of insurance terms, preventing companies from altering agreed-upon terms through unofficial means [9]. - Companies are required to start reporting new product terms from November 1, with a complete update of all non-auto insurance products expected by the end of 2026 [9][10].

Core Viewpoint - The National Financial Regulatory Administration is set to implement a new regulation for non-auto insurance, focusing on improving the quality of non-auto insurance business and addressing issues such as irregular operations and irrational competition, effective from November 1, 2025 [1][2]. Summary by Sections Regulatory Changes - The new regulation aims to optimize assessment mechanisms, standardize product development and usage, manage premium income, enhance market supervision, improve underwriting and claims services, and leverage industry organizations for support [1][2]. Non-Auto Insurance Market Insights - Non-auto insurance accounted for 50.77% of total premium income in the first eight months of 2025, with health insurance at 14.88%, agricultural insurance at 10.83%, and liability insurance at 8.24% [2]. - The share of non-auto insurance in total premium income has increased from 26%-27% between 2013 and 2016 to over 50% currently, although profitability remains weaker compared to auto insurance [2]. Fee Structure and Management - The regulation mandates that property insurance companies must set insurance rates based on fairness, reasonableness, and adequacy, and establish a mechanism for periodic rate review and dynamic adjustment [3]. - To address premium receivables, the regulation requires a "fee-for-policy" approach, ensuring that policies are issued only after premium payment is received [4]. Industry Response - Several insurance companies, including China Life and Ping An Property & Casualty, have established task forces to implement the new regulation, emphasizing the importance of transitioning from a focus on scale and speed to quality and efficiency [7][8]. - The implementation of "reporting and operation in unison" is expected to curb irrational price competition and promote rational market behavior, enhancing service quality and product competitiveness [5][6].

Core Viewpoint - The National Financial Regulatory Administration has issued a notice to extend the "reporting and execution" regulatory system from the auto insurance sector to the non-auto insurance market, effective November 1, 2025, while abolishing the old regulations from 2007 [2][3]. Industry Background - Non-auto insurance business has seen rapid growth, with its premium share increasing from 37.1% in 2019 to 47.4% in 2024, according to Guosen Securities [2][3]. - The industry faces challenges such as underwriting losses in key products like liability and corporate property insurance, prompting the need for regulatory changes to curb irrational competition and refocus on product innovation and service enhancement [2][3]. Regulatory Changes - The notice defines non-auto insurance as all property insurance excluding motor vehicle insurance, with specific provisions for agricultural and export credit insurance [3]. - The "reporting and execution" requirement mandates that property insurance companies strengthen premium rate management and adhere to approved product rates, addressing long-standing issues of price distortion due to aggressive competition [3][4]. Implementation of "See Fee Issue Policy" - The notice mandates that insurance companies issue policies only after collecting premiums, addressing the issue of unregulated premium receivables that have led to financial burdens and disputes [5]. - This policy aims to reduce financial risks and bad debt pressures for property insurance companies, promoting a shift from aggressive competition to a focus on service and quality [5]. Collaborative Efforts - The notice emphasizes the need for regulatory bodies to monitor operational indicators of property insurance companies and conduct timely regulatory interviews and inspections for those exceeding approved fee levels [6]. - Industry organizations are tasked with developing industry standard clauses and self-regulatory guidelines to support the implementation of the new regulatory framework [6]. Definition of "Reporting and Execution" - "Reporting and execution" requires insurance companies to align their actual operational behaviors with the core elements declared during product registration, aiming to enhance transparency and curb malicious competition in the industry [7].