Regulatory Voice - The Financial Regulatory Bureau emphasizes the importance of disaster response and insurance claims services during the main flood season, urging relevant units to enhance resource investment and streamline claims processes to support affected areas like Beijing and Hebei [1] - The Financial Regulatory Bureau has issued guidelines for the sustainable development of urban commercial health insurance, focusing on inclusivity, product management, risk management, and market order [1] Industry Focus - The predetermined interest rate for traditional life insurance products has been lowered by 50 basis points to 2.0%, with the guaranteed interest rate cap for participating insurance reduced to 1.75% [3] - The insurance industry reported a total premium income of 3.74 trillion yuan in the first half of the year, a year-on-year increase of 5.04%, with life insurance premiums growing by 5.34% [4] - Property insurance companies reported a combined profit of 87.59 billion yuan in Q2 2025, a 68.08% increase year-on-year, with 63 companies profitable [5] Corporate Dynamics - Zhongyi Property Insurance has received approval to increase its registered capital from 1.3 billion yuan to 1.692 billion yuan [7] - China Ping An has appointed Wang Xiaohang as the Chief Technology Officer [10] - Qian Fang is temporarily assuming the role of chairman at Guolian Life Insurance pending regulatory approval [11]

Core Viewpoint - The National Financial Supervision Administration issued a notice aimed at promoting the high-quality development of urban commercial health insurance, emphasizing the importance of inclusivity, adherence to commercial principles, and compliance with insurance regulations [1] Group 1: Regulatory Guidelines - Urban commercial health insurance should highlight its inclusive positioning while maintaining its commercial nature and following insurance laws [1] - The notice mandates that insurance companies operate independently, with consumers voluntarily choosing to purchase insurance [1] - Companies are required to align premium collection with the level of coverage provided, ensuring a balance between expanding coverage and sustainable commercial development [1] Group 2: Consumer Protection and Product Management - Insurance companies must focus on the needs of target customers when defining insurance responsibilities and exclusions [1] - There is a requirement for enhanced management of product sales appropriateness, ensuring accurate communication of product functions and benefits to the public [1] - Companies must collaborate with sales channels to fulfill the obligation of explaining exclusion clauses, preventing misleading sales practices that exaggerate coverage or conceal exclusions [1]

坚持商业属性与普惠定位 值得注意的是，作为商业医疗险，文件强调，保险业要围绕人民群众的优质医疗保障需求，优化城市商 业医疗险产品供给，及时将医疗新技术、新药品、新器械应用纳入责任范围，提供覆盖广泛、公平可 得、保费合理、保障有效的保险服务。 数据显示，截至2024年，超过90%的惠民保产品包含特定高额药品理赔责任。从创新药品纳入的绝对数 量来看，2021年至2024年呈现逐年增长的趋势，2024年药品纳入数量达到672个。从出险药品及适应症 数量来看，2024年惠民保共计对160个创新药品品种产生赔付，较2023年增加17种；2024年赔付创新药 品覆盖89个适应症类型，较2023年增加12个。 上述众惠财产相互保险社相关负责人认为，城市商业医疗险是基本医保的重要补充，承担着覆盖高额医 疗费用、纳入新医药技术、满足地域差异化需求的核心职能。其战略意义在于填补基本医保"保基本"之 外的保障缺口，尤其对重特大疾病、慢性病及高值药品费用形成有效分担。 7月31日，国家金融监督管理总局向业内下发《关于推动城市商业医疗险高质量发展的通知》（下称 《通知》），就突出普惠定位、坚守商业属性、强化产品管理、加强风险管理、维护 ...