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1. In terms of conceptual positioning: health insurance is positioned as an important part of the national multi-level medical insurance system, the definition and business classification of health insurance are improved, and medical accident insurance is included in health insurance. In terms of product specification and operation and sales, it clarifies the conditions that should be met for operating health insurance, and promotes the improvement of the level of operational specialization; adheres to the attributes of health insurance protection, and clarifies the product characteristics and requirements of various types of health insurance products; and encourages insurance companies to apply information technology, big data and other applications to the development of health insurance products, risk management, and claims handling to improve the level of management.
2. With regard to the protection of consumer rights and interests, insurance companies are prohibited from selling health insurance products in conjunction with other products, and are prohibited from inducing repeated purchases of cost-reimbursement medical insurance products with the same or similar protection functions; insurance companies are prohibited from requiring policyholders to provide or illegally collect or obtain genetic information or genetic test data of insured persons, except for their family history of illness; and the relevant recent medical and health insurance laws have been incorporated into the relevant laws. It also incorporates the relevant healthcare reform policies of recent years, such as giving preferential support to the poor.
For the first time, the Measures for the Administration of Health Insurance have included health management in a special chapter, which clarifies the main contents of health management, its relationship with health insurance, and the expenses incurred.
3. In the next step, the CBIRC will continue to implement the requirements of the CPC Central Committee and the State Council on the development of health insurance, do a good job in publicizing and implementing the Measures for the Administration of Health Insurance, improve the relevant supporting rules, and guide the insurance industry to better serve the reform of the national medical and health system and the implementation of the strategy of Healthy China.