总体来看，历经十年跨越式发展后，惠民保已从"增量扩张"迈向"存量优化"的高质量发展新阶段， 以更稳健、更精准、更普惠的优势，为我国多层次医疗保障体系的建设注入强劲动力。 产品新动态：定价更理性与责任更多元 近日，在上海举行的第五届复旦大学普惠保险与创新论坛上，复旦大学经济学院副院长、风险管理 与保险学系主任许闲教授团队发布了惠民保知识图谱系列第五份报告——《2025年城市定制型商业医疗 保险（惠民保）知识图谱》（以下简称《报告》）。《报告》全面系统地描绘了我国惠民保市场的发展 全景，深入剖析了其在市场格局、保障责任、产品设计等方面的最新动态与未来趋势。 市场新格局：从"增量扩张"迈入"存量优化" 《报告》显示，我国惠民保市场已完成从"增量扩张"到"存量优化"的关键转型。数据显示，截至 2025年7月31日，全国累计推出的地方性惠民保产品已达313款，在十年间实现了从无到有的飞跃。当 前，正常运营的产品数量稳定维持在202款，市场基本盘已形成。 这一转变在运营层面体现为"出清与迭代并行"的良性循环。2023年至2024年，正常运营产品占比下 降约7.5个百分点；2024年至2025年7月，这一降幅显著收窄至1. ...

Core Viewpoint - The new regulatory guidelines emphasize the need for urban commercial health insurance (惠民保) to maintain its commercial nature while ensuring broad accessibility and compliance with market principles [1][2][5]. Group 1: Regulatory Guidelines - The Financial Regulatory Bureau issued a notification on July 31, requiring urban commercial health insurance to focus on inclusivity while adhering to commercial attributes and insurance principles [1]. - The notification mandates that insurance companies optimize product offerings to meet diverse healthcare needs, ensuring coverage of new medical technologies and treatments [2][5]. Group 2: Pricing and Risk Management - Insurance companies are instructed to set insurance responsibilities and exclusions based on target customer needs, utilizing reliable historical data to determine premium rates [3]. - The notification advocates for differentiated pricing based on factors such as age, gender, and health status to enhance fairness and adaptability in insurance products [3]. Group 3: Competition and Market Conduct - The notification prohibits "involution-style" competition, urging insurance companies to avoid price wars and ensure fair competition while enhancing product diversity [4][5]. - Companies are required to manage sales practices effectively, ensuring accurate communication of product features and preventing misleading sales tactics [4]. Group 4: Long-term Development Goals - The guidelines aim to balance inclusivity and commercial viability, promoting sustainable development of urban commercial health insurance while addressing public healthcare needs [5]. - The ultimate goal is to create a win-win ecosystem that is affordable for patients, manageable for hospitals, and sustainable for companies, thereby supporting a multi-tiered healthcare system [5].