Core Viewpoint - The Financial Regulatory Bureau has issued a notification aimed at promoting the high-quality development of urban commercial health insurance, emphasizing the need for careful planning and enhanced supervision [1] Group 1: Regulatory Framework - The notification stresses the importance of local guidance and regulatory responsibility from financial regulatory bureaus [1] - It calls for feasibility studies and risk assessments for urban commercial health insurance projects, advising against hasty implementation in less prepared regions [1] - The notification aims to clarify the distinction between commercial insurance and social insurance to prevent confusion and promote reasonable expectations for social protection [1] Group 2: Coordination and Compliance - There is a focus on enhancing coordination among urban commercial health insurance projects, promoting information sharing, and conducting regular monitoring and analysis [1] - The notification mandates that insurance companies must operate in compliance with regulations, with penalties for violations enforced by financial regulatory authorities [1] - The overall goal is to ensure the sustainable and healthy development of urban commercial health insurance [1]

Core Viewpoint - The notification emphasizes the importance of adhering to commercial attributes and insurance regulations in the development of urban commercial health insurance, promoting market-oriented and legal principles [1] Group 1: Principles and Guidelines - Urban commercial health insurance should follow market-oriented and legal principles, ensuring that insurance companies operate independently and that consumers voluntarily choose to purchase insurance [1] - Companies are encouraged to align premium collection with the level of coverage provided, balancing expansion and quality improvement with sustainable commercial development [1] Group 2: Industry Development and Consumer Satisfaction - The notification calls for standardized operations and honest services to promote healthy business development and enhance consumer satisfaction in the insurance sector [1] - Local insurance industry associations are urged to play a self-regulatory role, enhancing health insurance promotion and policy interpretation to build a trustworthy and warm image of the insurance industry [1]

《通知》提到，厚植为民情怀，突出普惠定位。城市商业医疗险由保险公司依据《中华人民共和国保险 法》市场化运作，是践行金融工作的政治性、人民性，适应地域性医疗保障需求的有益探索，对于分散 和转移健康风险、减轻被保险人高额医疗费用负担具有重要意义和积极作用。保险业要坚持以人民为中 心的发展思想，围绕人民群众的优质医疗保障需求，优化城市商业医疗险产品供给，及时将医疗新技 术、新药品、新器械应用纳入责任范围，提供覆盖广泛、公平可得、保费合理、保障有效的保险服务。 要努力扩大城市商业医疗险的惠及面，推动商业医疗保险可及可信、可保可赔、可感可知。 北京商报讯（记者 李秀梅）7月31日，金融监管总局办公厅发布《关于推动城市商业医疗险高质量发展 的通知》（以下简称《通知》）。 ...

《通知》提到，维护市场秩序，共建良好生态。各保险总公司要加强对分支机构在不同地域开展城市商 业医疗险的统筹管理，确保产品开发、销售和理赔等环节符合公司内控管理要求。保险公司应当遵循公 平竞争原则开展城市商业医疗险业务，持续提升产品和服务的多样化水平，不得搞低价无序"内卷式"竞 争，不得进行垄断性、排他性销售。不得违背商业保险经营原则，预先设定赔付率或设置基金池，不得 对已签订的保险合同赔付条件进行当年调整。采用共保方式开展业务的，应当自愿联合，不得排除或者 限制竞争，不得设置不合理或者歧视性的准入和退出条件。共保体应当建立清晰的集体决策和议事规 则，完善数据共享机制，主承保公司应当向其他承保公司共享相关承保及理赔明细数据。支持保险业协 会制定城市商业医疗险示范条款。鼓励建立医疗、医保、医药、保险等多方参与的交流平台，提升投保 和理赔的便利度。 北京商报讯（记者 李秀梅）7月31日，金融监管总局办公厅发布《关于推动城市商业医疗险高质量发展 的通知》（以下简称《通知》）。 ...

国家金融监督管理总局31日向各金融监管局、保险业协会、各保险公司印发《关于推动城市商业医疗险 高质量发展的通知》，要求城市商业医疗险突出普惠定位，坚守商业属性，遵循保险规律，规范精准定 价。 ...