Core Viewpoint - The National Financial Regulatory Administration has issued guidelines to promote the high-quality development of health insurance, emphasizing the need for a comprehensive and multi-layered commercial medical insurance product system that includes new medical technologies, drugs, and devices [10][11]. Group 1: Development of Commercial Medical Insurance - Actively develop commercial medical insurance and construct a comprehensive, multi-layered product system [12]. - Encourage the inclusion of new medical technologies, drugs, and devices in insurance coverage [12]. - Support the establishment of personal account-based long-term medical insurance and diversify service forms [12][11]. Group 2: Long-term Care and Disability Income Insurance - Accelerate the development of commercial long-term care insurance and disability income loss insurance [13]. - Provide insurance services that combine cash payments with care services, addressing home, community, and institutional care needs [13]. - Support the conversion of life insurance benefits into care expenses for insured individuals who become disabled [13]. Group 3: Disease Insurance and Health Management - Steadily develop disease insurance, revising definitions based on disease spectrum changes and medical advancements [13]. - Promote the integration of health insurance with health management, creating a new service guarantee system that combines prevention, management, and protection [14]. Group 4: Regulatory and Market Environment - Strengthen regulatory frameworks and enhance the efficiency of health insurance operations [16]. - Establish a standardized system for health insurance, including demonstration clauses and service evaluation metrics [18]. - Promote collaboration among regulatory bodies, insurance organizations, and health service providers to enhance product development and market performance [18].

Core Viewpoint - The National Financial Regulatory Administration has issued guidelines to promote the high-quality development of health insurance, emphasizing its critical role in the national health security system by 2030 [1][3]. Group 1: Overall Requirements - The guidelines are guided by Xi Jinping's thoughts and aim to deepen reforms in the health insurance sector, enhancing service and protection levels [3]. - By 2030, a multi-level health insurance market will be established to meet diverse needs across the entire population and lifecycle [3]. Group 2: Deepening Health Insurance Reform - The development of commercial medical insurance will be prioritized, creating a comprehensive product system that includes new medical technologies and treatments [4]. - There will be a focus on commercial long-term care insurance and disability income loss insurance, integrating cash benefits with care services [4]. - The guidelines encourage the development of disease insurance that adapts to changes in disease patterns and medical technology [5]. Group 3: Enhancing Sustainable Development Capacity - Strengthening professional capabilities and establishing a dynamic adjustment mechanism for actuarial parameters are key focuses [7]. - The guidelines promote the digital transformation of health insurance, utilizing AI and big data to improve management and service delivery [7]. - Health insurance companies are encouraged to explore innovative business models that integrate health management with insurance products [7]. Group 4: Strengthening Health Insurance Regulation - The establishment of a specialized statistical and regulatory evaluation system for health insurance is emphasized [8]. - The guidelines call for improved market order and the prevention of illegal activities within the health insurance sector [8]. Group 5: Optimizing the Health Insurance Development Environment - The creation of a standardized industry framework and the promotion of collaboration among various stakeholders are highlighted [9]. - Efforts will be made to enhance public awareness and understanding of health insurance through educational initiatives [9].

Core Insights - The National Financial Supervision Administration has released guidelines to promote the high-quality development of health insurance, focusing on four main types of insurance: commercial medical insurance, commercial long-term care insurance, disability income loss insurance, and disease insurance [1] Group 1: Development Focus - The guidelines aim to deepen health insurance reform and outline development priorities for the four major types of health insurance [1] - A comprehensive and multi-tiered commercial medical insurance product system will be established, incorporating new medical technologies, drugs, and devices into the insurance coverage [2] Group 2: Support for Innovative Insurance Products - The guidelines support the development of floating income-type health insurance and personal account-based long-term medical insurance, encouraging insurance companies to provide more comprehensive health insurance services [3] - The conversion of life insurance and care payment responsibilities will be fully implemented, allowing policyholders to convert life insurance benefits into care expenses when disabled [4] Group 3: Regulatory Emphasis - The guidelines emphasize the need for strengthened regulatory leadership, market order standardization, and the investigation of illegal activities [5]

Core Viewpoint - The National Financial Regulatory Administration has issued guidelines to promote the high-quality development of health insurance, aiming for a more integrated and diverse health insurance market by 2030, enhancing its role in the national health security system [1][3]. Group 1: Overall Requirements - The guidelines emphasize the importance of health insurance in the national health security system, aiming for a collaborative development of group and individual health insurance to meet diverse needs across the population and lifecycle by 2030 [3]. Group 2: Deepening Health Insurance Reform - The guidelines advocate for the active development of commercial medical insurance, creating a comprehensive and multi-tiered product system that includes new medical technologies and treatments [4]. - There is a push for the development of commercial long-term care insurance and disability income loss insurance, aligning with home, community, and institutional care needs [4]. - The guidelines call for the steady development of disease insurance, with regular updates to disease definitions and incidence rates [5]. - Integration of health insurance with health management is encouraged, promoting a new service system that combines prevention, management, and protection [5]. - Collaboration with the health industry is emphasized, aiming for a synergistic development between health insurance and medical services [5]. Group 3: Enhancing Sustainable Development Capacity - The guidelines stress the need for strengthening professional capabilities within insurance companies and improving actuarial practices [7]. - There is a focus on advancing digital transformation in health insurance, utilizing technologies like AI and big data to enhance operational efficiency and customer satisfaction [7]. - The guidelines encourage health insurance companies to explore innovative business models that integrate health management with insurance products [7]. Group 4: Strengthening Health Insurance Regulation - The guidelines propose enhancing regulatory frameworks and statistical systems for health insurance, ensuring compliance and fair pricing [8]. - There is a call for improved market order and performance management within insurance companies, including better handling of customer complaints [8]. - Strict measures against illegal activities in the insurance market are outlined to maintain order and protect consumer rights [8]. Group 5: Optimizing the Health Insurance Development Environment - The establishment of industry standards and simplified insurance terms is encouraged to enhance clarity and accessibility for consumers [9]. - Collaboration among regulatory bodies, industry organizations, and local governments is promoted to support the development of tailored health insurance products [9]. - The guidelines highlight the importance of public education on health insurance to improve awareness and self-management among the population [9].

人民财讯9月30日电，国家金融监督管理总局发布关于推动健康保险高质量发展的指导意见。其中提 出，积极发展商业医疗保险。构建全覆盖、多层次的商业医疗保险产品体系，积极将医疗新技术、新药 品、新器械纳入保险保障范围。鼓励长期医疗保险根据风险类别定价，提升保险费率与承保风险匹配 度。健全长期医疗保险费率调整机制，提供公平可及、持续稳定的长期医疗保险服务。支持开展个人账 户式长期医疗保险业务，丰富服务形态。规范发展短期医疗保险。按照商业保险的基本原则和客观规 律，平稳有序开展城市商业医疗保险。创新损失补偿和风险分担机制，鼓励开发惠及带病群体、罕见病 群体的商业医疗保险产品。 ...

9月30日消息，国家金融监督管理总局发布关于推动健康保险高质量发展的指导意见。意见提出，积极 发展商业医疗保险。构建全覆盖、多层次的商业医疗保险产品体系，积极将医疗新技术、新药品、新器 械纳入保险保障范围。鼓励长期医疗保险根据风险类别定价，提升保险费率与承保风险匹配度。健全长 期医疗保险费率调整机制，提供公平可及、持续稳定的长期医疗保险服务。支持开展个人账户式长期医 疗保险业务，丰富服务形态。规范发展短期医疗保险。按照商业保险的基本原则和客观规律，平稳有序 开展城市商业医疗保险。创新损失补偿和风险分担机制，鼓励开发惠及带病群体、罕见病群体的商业医 疗保险产品。 ...

新华社权威快报 国家金融监督管理总局对外发布 《关于推动健康保险高质量 发展的指导意见》 深化健康保险改革 增强可持续发展能力 加强健康保险监管 优化健康保险发展环境 国家金融监督管理总局9月30日对外发布《关于推动健康保险高质量发展的指导意见》，明确了健康保险未来一段时间发 展的总体思路和阶段性目标。 健康保险为被保险人因健康原因或者医疗行为的发生而导致的财务损失提供保障，是保险业发挥筑牢社会保障网功能的 重要险种，连接医疗卫生等产业，关系国计民生。 指导意见提出，深化健康保险改革，分别对健康保险的主要险种，即商业医疗保险、商业长期护理保险、失能收入损失 保险、疾病保险等四大类险种的发展重点进行规划。同时，增强可持续发展能力，加强健康保险监管，优化健康保险发 展环境，更好地满足人民群众健康保障需求。 记者：张千千 海报制作：张千千 新华社国内部出品 ...

（文章来源：新华社） 新华社权威快报 国家金融监督管理总局对外发布 《关于推动健康保险高质量 发展的指导意见》 深化健康保险改革 增强可持续发展能力 加强健康保险监管 优化健康保险发展环境 新华社国内部出品 健康保险为被保险人因健康原因或者医疗行为的发生而导致的财务损失提供保障，是保险业发挥筑牢社 会保障网功能的重要险种，连接医疗卫生等产业，关系国计民生。 指导意见提出，深化健康保险改革，分别对健康保险的主要险种，即商业医疗保险、商业长期护理保 险、失能收入损失保险、疾病保险等四大类险种的发展重点进行规划。同时，增强可持续发展能力，加 强健康保险监管，优化健康保险发展环境，更好地满足人民群众健康保障需求。 国家金融监督管理总局9月30日对外发布《关于推动健康保险高质量发展的指导意见》，明确了健康保 险未来一段时间发展的总体思路和阶段性目标。 ...

Core Insights - The Financial Regulatory Bureau recently held a discussion on key proposals for the 2025 Two Sessions, focusing on the challenges and issues facing the health insurance sector [1] - Representatives emphasized the need to expand health insurance coverage, enhance service quality, and optimize the policy environment for health insurance development [1] Group 1: Health Insurance Development - There is a call to further expand the coverage of health insurance and improve service guarantee levels [1] - The need to respect the development laws of health insurance and optimize the policy environment was highlighted [1] - The development of customized urban medical insurance should be standardized, and information sharing between basic medical insurance and commercial medical insurance should be promoted [1] Group 2: Data Sharing and Settlement - It is essential to provide insurance companies with necessary medical insurance data support to facilitate better service [1] - The implementation of a one-stop settlement system is urged to enhance the experience and satisfaction of the public [1] Group 3: Innovation and Regulatory Measures - The meeting also discussed supporting high-quality development in pharmaceutical innovation [1] - The Financial Regulatory Bureau plans to comprehensively review the suggestions from representatives and work with relevant departments to enhance the quality of health insurance services [1] - There is a commitment to improve regulatory mechanisms, refine work measures, and enhance regulatory capabilities to better meet diverse health insurance needs [1]