【重磅新规落地！#账户医疗险分红健康险来了#】"到2030年，健康保险在国家健康保障体系中的重要 作用进一步发挥。"在金融监管总局9月30日发布的《关于推动健康保险高质量发展的指导意见》（下称 《意见》）中，健康保险未来一段时间发展的总体思路和阶段性目标被明确提出。 "《意见》对商业健康险的意义重大。除了设定总发展目标之外，还有颇多业内之前一直与监管讨论的 创新点和突破点，例如账户医疗险、分红健康险，以及提高健康管理在净保费中的占比等，拓展了商业 健康险的业务形态和范围。"一名险企高管对第一财经记者表示。 ...

Core Insights - The insurance industry is adjusting its product structure in response to the impending reduction in insurance premium rates, focusing on two main areas: dividend insurance with interest rate flexibility and health insurance emphasizing protection functions [1][2] - Health insurance is experiencing faster growth compared to other insurance types, becoming a new growth curve for both life and property insurance companies [1][2] - The traditional savings-type insurance model is becoming unsustainable, prompting the industry to seek new growth drivers through deep transformation and diversification of profit models [2][4] Group 1: Health Insurance Growth - Health insurance premium income reached 4,557 billion yuan in the first four months of this year, growing over 4% year-on-year, outpacing the overall insurance premium growth [5] - The health insurance market is projected to generate nearly 1 trillion yuan in premium income by 2024, alleviating the burden on social healthcare [4][5] - The demand for health insurance is driven by rising health awareness and increasing medical costs, creating significant market opportunities for both life and property insurance companies [4][6] Group 2: Market Challenges and Opportunities - Despite the growth in health insurance premiums, the market has not yet surpassed the 1 trillion yuan mark for three consecutive years, falling short of the target set by the former insurance regulatory authority [5] - There is a notable industry differentiation, with some companies like Renbao Health showing strong performance while others like Ping An Health and Pacific Health face negative growth [6] - The health insurance sector faces challenges such as product homogeneity, insufficient collaboration with the healthcare system, and a lack of effective risk management [7][8] Group 3: Product Development and Innovation - The health insurance market is characterized by a lack of differentiation, with many products offering similar coverage and pricing, leading to a mismatch between supply and demand [7][9] - There is a need for insurance companies to develop differentiated products targeting specific demographics, such as elderly care insurance and disease-specific insurance [9] - Collaboration with healthcare institutions and the establishment of a health data-sharing platform are essential for improving risk assessment and product innovation [8][9]