北京商报讯（记者 李秀梅）10月24日，海南金融监管局发文表示，海南金融监管局落实金融监管总局 关于高质量发展普惠金融的决策部署，进一步丰富普惠金融内涵，推动完善海南普惠保险体系，满足学 生群体多元化健康保障需求，指导辖内保险机构在我省普惠型城市商业医疗保险"惠琼保"基础上针对学 生群体推出海南省首款普惠型学生健康保险"惠学保"，该产品已于2025年10月16日上线。产品坚持"保 本微利"的普惠定价原则，以小额医疗作为基础责任，同时提供特定疾病、意外医疗、意外伤害等保障 责任，为我省在校学生织密风险防护网、夯实健康保障基石。 ...

Core Viewpoint - The 2026 annual "惠民保" (Huimin Bao) products are shifting focus from price competition to value enhancement, emphasizing comprehensive coverage, improved services, and better renewal incentives rather than lower premiums [1][3][6]. Product Upgrades - Multiple regions have revealed their product upgrade directions for the 2026 "惠民保," with a focus on expanding coverage, enhancing special drug lists, and improving health management services [1][3]. - For instance, the "惠琼保" from Hainan will continue to offer four coverage plans with a minimum annual premium starting at 59 yuan, while expanding its special drug list to 115 types and implementing a one-stop settlement system [3][4]. - The "医惠保1号" from Jiangsu distinguishes between a basic and an upgraded version, with the latter including advanced therapies and optional add-ons for participants [3][4]. Service Enhancements - The "天一甬宁保" from Ningbo has increased its total coverage from 3 million to 3.2 million yuan while adding outpatient coverage and introducing a fixed compensation model [4]. - The "黄惠保" from Huanggang has reduced the annual deductible for compliant expenses and expanded its special drug list from 25 to 30 types, while also enhancing health services [4]. Market Dynamics - The shift from price competition to value competition is driven by the need for sustainable operations and the desire to attract a broader consumer base [5][6]. - The continuous price reduction has led to diminishing returns, prompting insurers to focus on product optimization and service enhancement to maintain competitiveness [6][7]. Challenges Ahead - Balancing the goals of inclusivity and commercial sustainability remains a significant challenge for "惠民保" products [9]. - Data sharing and precise pricing are identified as critical areas needing improvement, as existing barriers hinder effective collaboration among medical institutions, insurance companies, and regulatory bodies [9][10]. - Building consumer trust is essential, as lower premiums often come with higher deductibles and limited coverage, which can affect user experience [9][10].