济南车主刘先生就遭遇了强制捆绑销售的烦恼。他的新能源汽车上一年度未出任何事故，2026年1月续 保时，本想单独投保300万保额的第三者责任险，却被平安保险潍坊中心支公司明确拒绝，对方要求必 须捆绑"平安驾乘无忧三代保险"，保费也随之从1600元涨到2400元。刘先生多次沟通协商，希望能自主 选择险种，却被业务员直言"这是公司业绩考核的硬性要求，不捆绑就无法承保"。 齐鲁晚报·齐鲁壹点记者 张雪 岁末年初正值车险续保旺季，不少山东车主在办理续保手续时，纷纷吐槽车险定价"看不懂、想不通"： 常年未出险保费反而上涨、十几万的新能源车保费堪比几十万的燃油车、投保时被强制捆绑附加险，甚 至不知情下被偷偷加险……"车险定价到底是不是变相加价"，成为车主群体热议的焦点。记者结合山东 本地真实案例、最新行业数据及权威解读，拆解车险定价背后的逻辑，厘清争议真相，为车主维权、投 保提供实用参考。 捆绑、隐形加险频发 保费反常引不满 季度数据进一步显示，山东63家险企车均保费中位数为1500元，但比亚迪保险、现代财险等聚焦新能源 车险的险企，车均保费均超过4000元，这与济南、淄博等地车主反映的实际情况高度吻合。 某保险公司新能源 ...

Core Viewpoint - The National Financial Regulatory Administration has issued a notice to insurance companies aimed at promoting the high-quality development of urban commercial health insurance, emphasizing the need for inclusive positioning and precise pricing [1][2]. Group 1: Regulatory Changes - The notice requires urban commercial health insurance, commonly known as "惠民保," to adhere to the principle of risk pricing, moving away from the previous uniform pricing model that did not consider age, gender, or health status [2]. - Insurance companies are expected to implement differentiated pricing based on various factors such as age, gender, and health conditions, which will enhance the fairness and adaptability of products and services [2]. Group 2: Market Impact - The new regulations are anticipated to benefit leading insurance companies that are well-positioned in health insurance services and have advantageous pricing capabilities [1]. - Analysts believe that the requirement for precise pricing and diversified product offerings will help improve the insurance protection system and stimulate demand for insurance products among residents [2].