研究参保职工可使用医保个人账户资金为本人及家庭成员购买符合条件的商业健康保险产品，推动 医保商保"一站式"结算，支持商业保险公司探索开发疾病预测与干预保险……日前，北京市医保局、金 融监管总局北京监管局等9部门联合发布《北京市支持商业健康保险高质量发展的若干措施》，推出18 条具体举措，从创新商业健康保险产品供给、提升服务能力、优化结算模式等6个领域，支持商业健康 保险高质量发展，更好满足人民群众多元化保障需求。 无独有偶，金融监管总局广东监管局也于日前联合多个部门印发《推动健康保险高质量发展 服务 健康广东建设的指导意见》，绘制广东健康保险发展短期、中期、长期三个阶段工作目标。 北京、广东两地在"十五五"开局之年谋划商业健康保险高质量发展路径，探索构建多层次医疗保障 体系，最终目的是将更多资源投入到提升人民健康素质上，真正地投资于人。 三是满足湾区居民多样化保障需求。广东目前在售健康保险产品数量1.1万款，产品体系丰富、保 障功能全面。以费用报销型医疗险为例，根据群众收入，分层开发百万医疗险、中端医疗险及高端医疗 险，提升对原研药、进口药、创新药的保障能力，满足多层次、多样化医疗保障需求。 四是为产业发展提 ...

Core Viewpoint - The Guangdong Financial Regulatory Bureau and six other departments have jointly issued the "Guiding Opinions on Promoting High-Quality Development of Health Insurance" to enhance the health insurance system in Guangdong, focusing on a multi-layered health insurance market and digital transformation [1][2]. Group 1: Health Insurance Development - The long-term goal is to establish a multi-layered health insurance market to meet diverse needs across the entire population and lifecycle [1]. - The guiding opinions aim to create a Guangdong-specific insurance system comprising "basic medical insurance + urban commercial medical insurance + commercial health insurance" [1]. - The document emphasizes the importance of commercial insurance in supplementing the medical security system and aims to gradually develop long-term care insurance and urban commercial medical insurance [2]. Group 2: Innovation and Integration - There is a focus on integrating finance and healthcare to promote the development of the health industry [1]. - The opinions encourage insurance companies to leverage the "Digital Guangdong" initiative to explore digital transformation paths [1]. - The document proposes to include more innovative drugs and medical devices in urban medical insurance coverage, particularly for residents of Hong Kong and Macau [2]. Group 3: Market Regulation and Consumer Protection - A "three-dimensional map" of health insurance in Guangdong will be established to standardize market order [1]. - The guiding opinions call for improved information disclosure of health insurance products to strengthen consumer rights protection [1]. - An information-sharing mechanism will be established to enhance collaboration among departments, contributing to the health insurance sector's support for the "Healthy China" initiative [1]. Group 4: Market Size and Investment - By the end of 2025, Guangdong's commercial health insurance is expected to cover 889 million people, making it the largest health insurance market in China [2]. - The total claims paid by the health insurance sector are projected to reach 43 billion yuan, providing risk protection amounting to 640 trillion yuan for society [2]. - Insurance funds are expected to invest over 30 billion yuan in Guangdong's elderly health industry, covering various sectors such as biotechnology, new drug technology, and medical devices [2].