Core Viewpoint - The recent notice from the National Financial Supervision Administration emphasizes the need for high-quality development of urban commercial medical insurance, particularly focusing on product management and precise pricing strategies [2][6]. Group 1: Market Overview - Urban commercial medical insurance, known as "惠民保," serves as a supplementary insurance for individuals with basic medical insurance, covering large medical expenses not reimbursed by basic insurance [3]. - The market for "惠民保" has seen a slowdown in growth over the past two years, with the number of operational products decreasing from 211 to 199 compared to 2023 [3]. Group 2: Regulatory Changes - The notice outlines six key requirements, including the need for differentiated pricing based on factors such as age, gender, and health status, moving away from the current uniform pricing model [2][8]. - The notice reinforces the commercial nature of "惠民保," urging insurance companies to operate independently and ensuring that consumers voluntarily choose to participate [6][12]. Group 3: Pricing and Product Management - The notice mandates that insurance companies utilize reliable historical data to determine insurance rates and implement differentiated pricing to enhance fairness and adaptability of products [8][9]. - Currently, many "惠民保" products use a uniform rate model, which may lead to issues such as adverse selection and imbalance in risk sharing [9]. Group 4: Market Conduct and Competition - The notice prohibits low-price, disorderly competition and emphasizes fair competition principles, ensuring that insurance companies do not engage in monopolistic practices [10][11]. - There is a growing concern regarding the sustainability and quality of "惠民保" products due to low pricing and similar coverage, prompting some regions to introduce upgraded versions with higher premiums [11]. Group 5: Future Directions - The notice encourages the exploration of differentiated pricing mechanisms, which could lead to improved product sustainability and better alignment with the needs of different demographic groups [9][12]. - It also highlights the importance of distinguishing between commercial insurance and social insurance to clarify responsibilities and optimize the insurance structure [12].

华贵介绍，这些商业保险作为基本医疗保险的补充，出发点是惠民，也体现了各条线工作的创新，但都 落到基层便出现了"过载"现象。淮安市计生协会秘书长高瑗介绍，该条线与保险公司合作推出的"计生 全家福保险"，覆盖了重大疾病、意外身故等多种情形。她坦言，从单条线出发，没有下发硬性任务， 但忽略了多条线任务一起叠加到基层的问题，给基层干部造成很大压力。 7月，高温天气持续，新种的秧苗急需灌水，江苏省淮安市淮安区小岗村党支部副书记潘全一头扎在田 间，脸晒得通红。担任村农业合作社理事长的他，近日一直忙于田间农作物的灌水施肥和病虫害防治， 有条不紊地统筹着各项工作。 "前几年这时候，我要分出不少精力去当各种商业保险的'推销员'，而现在，我安心当好村民的'服务 员'，尽力保障农业丰收、农户增收。"潘全笑呵呵地说，基层工作虽繁杂，但他现在感觉"一身轻松、 充满干劲"。 今年，淮安市减负办在对2023年开展的摊派商业保险任务专项整治进行"回头看"时，潘全这样回 复，"取消商业保险摊派任务，大大减轻了村干部负担。我们减负不减责，继续努力干好本职工作。" 淮安市委督查室（承担市减负办工作）主任华贵告诉记者，2023年，该市在开展为村级组 ...

Group 1 - The company, as the exclusive insurance supplier for the "Su Super" league, has developed tailored risk protection plans to support event operations, showcasing the innovative practice of financial empowerment in the sports industry [1] - The collaboration project reflects the company's technological advancements, utilizing a digital platform to create specialized insurance solutions such as comprehensive liability insurance and accident insurance for staff, demonstrating the company's professional capabilities in risk management for large sports events [1] - The company has also addressed the urgent need for cybersecurity in emerging sectors like blockchain and smart investment advisory by drafting and filing comprehensive cybersecurity insurance clauses, covering core risks in digital finance [1] Group 2 - The company has introduced innovative insurance products to support the national "dual carbon" goals, including compensation insurance for distributed photovoltaic power generation losses and performance warranty insurance for new energy storage systems, contributing to the green transformation of the construction industry [2] - The scale of green insurance risk protection is projected to reach 1.7 billion yuan in 2024, representing a 15% year-on-year growth, indicating the company's commitment to fostering green development [2] - The company has extended its services to various aspects of public welfare, including the "Jiangsu Medical Insurance No. 1" product, which has benefited over one million families, and long-term care insurance covering 183.4 million people in multiple cities [2] Group 3 - The company emphasizes its role in safeguarding intellectual property for innovative enterprises and ensuring safety in sports, reflecting its commitment to "finance for the people" [3] - The company plans to continue deepening the cross-sector integration of insurance protection to provide stronger support for the economic and social development of Jiangsu [3]