Core Viewpoint - The National Financial Regulatory Administration has issued a notice to promote the high-quality development of urban commercial health insurance, emphasizing the need for inclusive positioning, adherence to commercial attributes, and precise pricing in accordance with insurance principles [1][3]. Group 1: Urban Commercial Health Insurance Characteristics - Urban commercial health insurance, known as "Hui Min Bao," is characterized by low entry barriers, low premiums, and high coverage, developed rapidly in recent years to meet diverse health protection needs [1][3]. - The insurance industry is encouraged to optimize product offerings based on people's needs, incorporating new medical technologies and treatments into coverage [1][2]. Group 2: Pricing and Risk Management - The notice mandates that urban commercial health insurance should follow the principle of risk pricing, implementing differentiated pricing based on factors such as age, gender, and health status [2][3]. - Insurance companies are required to base pricing on historical data and relevant medical information to ensure accurate and fair pricing [2][4]. Group 3: Market Development and Sustainability - The urban commercial health insurance sector has seen significant growth, with projected premium income nearing 1 trillion yuan in 2024 and an average annual growth rate of about 20% over the past decade [2]. - The notice aims to address sustainability risks in the rapid expansion of urban commercial health insurance, ensuring consumer protection and promoting sustainable business practices [3][5].