分红型健康险

Search documents
重磅新规落地!账户医疗险、分红健康险来了
第一财经· 2025-09-30 15:53
2025.09. 30 本文字数:2555,阅读时长大约5分钟 作者 | 第一财经 杨倩雯 "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。 账户医疗险、分红健康险来了 《意见》明确,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。团体健康保险 和个人健康保险协同发展,满足全人群和全生命周期多样化需求的多层次健康保险市场格局基本形 成。健康保险监管制度体系更加健全,监管效能充分体现。 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。随着经济社会发展和健康中国战 略的推进,人民群众健康保 ...
首提分红型产品、试点组合销售,健康险更大想象空间被打开
Bei Jing Shang Bao· 2025-09-30 14:06
接近万亿元规模的健康保险市场,正迎来新指引!9月30日,金融监管总局发布《关于推动健康保险高质量发展的指导意见》(以下简称《意见》),意 在进一步强监管防风险,以健康保险高质量发展服务健康中国战略。 对于首次被提及的分红型健康险,李文中分析,传统健康险是纯粹的消费型产品,无现金价值积累。分红型长期健康险在提供基础疾病保障的同时,赋予 了保单一定的储蓄和投资属性。 图片来源:壹图网 健康保险主要由长期重疾险和中短期医疗险构成,是人身险市场中普及率较高的产品种类。金融监管总局相关司局负责人表示,随着经济社会发展和健康 中国战略的推进,人民群众健康保障需求日益提升,健康保险的重要性不断增强。健康保险在持续快速发展的同时,产品形态单一、行业经营能力不足、 基础薄弱、专业机构发展不及预期、与医疗医药协同不够等阶段性问题也逐步显现,制约了服务保障水平的提升。基于此,金融监管总局研究制定了《意 见》,针对性地优化现有政策,打通卡点堵点,明确健康保险未来方向和发展重点。 在深化健康保险改革方面,《意见》提及了多项举措。对于长期护理保障,《意见》提到,积极对接居家护理、社区护理和机构护理需求,提供现金给付 与护理服务相结合的保 ...
推动健康险高质量发展,分红型健康险产品将回归市场
Soochow Securities· 2025-09-30 14:01
Investment Rating - The industry investment rating is maintained as "Add" [1] Core Viewpoints - The report suggests that with policy support, there is potential for innovation and upgrade in health insurance products, leading to a win-win collaboration between insurance and the health industry. Health insurance premiums totaled 759.8 billion yuan from January to August 2025, reflecting a year-on-year growth of 2.4%, accounting for approximately 20% of life insurance premiums [1][6][7] - The report emphasizes the return of participating health insurance products to the market, which is expected to enhance product attractiveness and stimulate market growth potential. The guidance from the regulatory body aims to deepen cooperation between insurance and health industries, promoting product innovation and improving the accessibility of innovative drugs and medical devices [1][5] - The report indicates improvements on both the liability and asset sides, with significant upward valuation potential remaining. The demand for savings in the market is still strong, and with ongoing regulatory guidance and proactive transformation by insurance companies, liability costs are expected to gradually decrease, alleviating pressure from interest rate spreads [1][5] - The report notes that the recent decline in the yield of ten-year government bonds to approximately 1.86% may ease the pressure on the investment returns of insurance companies in fixed-income investments as the domestic economy recovers [1][5] - The report highlights that the current valuation of the insurance sector is at historical lows, with estimates for September 30, 2025, indicating a price-to-earnings value (PEV) of 0.57-0.86 and a price-to-book ratio (PB) of 1.02-2.19, suggesting a favorable investment opportunity [1][5] Summary by Sections Industry Trends - The report outlines a clear goal for health insurance to play a more significant role in the national health security system by 2030, with a focus on developing a multi-level health insurance market that meets diverse needs across the population and lifecycle [5] - It discusses the need for reform in various segments, including commercial medical insurance, long-term care insurance, and disease insurance, to support the development of floating income health insurance products and enhance the sustainability of urban commercial medical insurance [5] Regulatory Guidance - The report mentions the issuance of guidelines by the National Financial Supervision Administration to promote high-quality development in health insurance, emphasizing the importance of regulatory oversight and risk prevention [5] - It highlights the need for insurance companies to enhance their operational capabilities and strengthen health insurance regulation to optimize the development environment [5]