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Opinions of the China Banking and Insurance Regulatory Commission, the National Development and Reform Commission, the Ministry of Education and Other Departments on Promoting the Development of Commercial Insurance in the Field of Social Services
[Effective]
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中国银保监会、发展改革委、教育部等关于促进社会服务领域商业保险发展的意见
[现行有效]
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【法宝引证码】
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- Issuing authority：
Instrumentalities of the State Council,All Commissions,China Banking and Insurance Regulatory Commission,State Development & Reform Commission (incl. former State Development Planning Commission),All Ministries,Ministry of Education,Ministry of Civil Affairs,Ministry of Justice,Ministry of Finance,Ministry of Human Resources & Social Security,Ministry of Natural Resources,Ministry of Housing & Urban-Rural Development,Ministry of Commerce,National Health Commission,All Administrations,State Taxation Administration,National Healthcare Security Administration
- Document Number：
No. 4 [2020] of the China Banking and Insurance Regulatory Commission
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Date issued：
12-31-2020
- Effective date：
12-31-2020
- Level of Authority：
Departmental Regulatory Documents
- Area of Law：Insurance,Optimization of Doing Business
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| Opinions of the China Banking and Insurance Regulatory Commission, the National Development and Reform Commission, the Ministry of Education, the Ministry of Civil Affairs, the Ministry of Finance, the Ministry of Human Resources and Social Security, the Ministry of Natural Resources, the Ministry of Housing and Urban-Rural Development, the Ministry of Commerce, the National Health Commission, the State Taxation Administration, and the National Healthcare Security Commission on Promoting the Development of Commercial Insurance in the Field of Social Services | | 中国银保监会、发展改革委、教育部、民政部、司法部、财政部、人力资源社会保障部、自然资源部、住房城乡建设部、商务部、卫生健康委、税务总局、医保局关于促进社会服务领域商业保险发展的意见 |
| (No. 4 [2020] of the China Banking and Insurance Regulatory Commission) | | （银保监发〔2020〕4号） |
| The people's governments of provinces, autonomous regions and municipalities directly under the Central Government; and the relevant departments of the State Council: | | 各省、自治区、直辖市人民政府，国务院有关部门： |
| The CPC Central Committee and the State Council attach great importance to the development of commercial insurance in the field of social services. In recent years, commercial insurance has effectively promoted the development of consumption in the field of social services by improving the social service risk sharing mechanism and providing long-term financial support; however, there also remain certain problems such as insufficient support and much room for the improvement of protection functions and financial support. For purposes of deepening the supply-side structural reform of finance and maximizing the important role of commercial insurance in protecting people's livelihood, promoting consumption and boosting domestic demand, with the approval of the State Council, the following opinions are hereby offered on promoting the development of commercial insurance in the field of social services. | | 党中央、国务院高度重视社会服务领域商业保险发展。近年来，商业保险通过完善社会服务风险分担机制、提供长期资金支持等，有力促进了社会服务领域消费发展，但同时也存在支撑作用不够充分、保障功能和资金支持力度有待提升等问题。为深化金融供给侧结构性改革，充分发挥商业保险在保障民生、促进消费和拉动内需等方面的重要作用，经国务院同意，现就促进社会服务领域商业保险发展提出以下意见。 |
| I. Expanding the supply of commercial health insurance: The orientation of health insurance as guarantee shall be adhered to, and commercial insurance institutions shall be guided in innovating on and improving the guaranteed contents and enhancing the level of guarantee and service capabilities. Commercial insurance institutions shall be encouraged to adapt to consumers' demands and provide comprehensive health insurance products and services covering multiple fields such as medical treatment, disease, rehabilitation, care, and maternity. The preferential individual income tax policies for commercial health insurance shall be effectively utilized, and the scope of relevant insurance products shall be expanded at appropriate time. New medical technologies, new drugs, and new devices shall be gradually included in the coverage of health insurance, and commercial insurance institutions shall be guided in developing products related to cancer screening, diagnosis, and treatment, supporting medical innovation, and serving China's Implementation Plan for Cancer Prevention and Treatment. Commercial insurance institutions shall be encouraged to participate in the construction of the Bo'ao Lecheng International Medical Tourism Pilot Zone and provide health insurance services linking with medical tourism. The development of medical liability insurance and medical accident insurance shall be accelerated, and compensation insurance oriented to vaccine-related adverse events shall be researched and developed. Great efforts shall be made to enable the commercial health insurance market to exceed more than 2 trillion yuan in its size and become an integral part of the medical security system with Chinese characteristics. | | 一、扩大商业健康保险供给。坚持健康保险保障属性，引导商业保险机构创新完善保障内容，提高保障水平和服务能力。鼓励商业保险机构适应消费者需求，提供包括医疗、疾病、康复、照护、生育等多领域的综合性健康保险产品和服务。用足用好商业健康保险个人所得税优惠政策，适时扩大相关保险产品范围。逐步将医疗新技术、新药品、新器械应用纳入健康保险保障范围，引导商业保险机构开发与癌症筛查、诊断和治疗相关的产品，支持医学创新，服务国家“癌症防治实施方案”。鼓励商业保险机构参与博鳌乐城国际医疗旅游先行区建设，提供与医疗旅游相衔接的健康保险服务。加快发展医疗责任保险、医疗意外保险，研究开发疫苗接种不良反应补偿保险。力争到2025年，商业健康保险市场规模超过2万亿元，成为中国特色医疗保障体系的重要组成部分。 |
| II. Improving the quality and efficiency of commercial insurance institutions' participation in the provision of medical insurance services: The operation and supervision mechanism for critical illness insurance for urban and rural residents undertaken by commercial insurance institutions shall be improved, and efforts shall be made to improve the service capabilities of such institutions, enable them to actively participate in the control of medical expenses, and promote the reduction of “those slipping into poverty because of illness and those falling back into poverty because of illness.” Commercial insurance institutions shall be encouraged to engage in basic medical insurance and medical assistance, among others, and provide quality services. Exploration shall be made for promoting information sharing between the commercial health insurance information platform and the national medical security information platform as required and strengthening the use of medical and healthcare big data sources, to promote the reform of medical payment methods and better serve the development of medical insurance policies and the management of medical expenses. Commercial insurance institutions shall be encouraged to participate in the national pilot program of long-term health care insurance. | | 二、提升商业保险机构参与医保服务质效。完善商业保险机构承办城乡居民大病保险运行及监管机制，提升服务水平，积极参与医保控费，推动减少“因病致贫、因病返贫”。鼓励商业保险机构经办基本医保、医疗救助等，提供优质服务。探索将商业健康保险信息平台与国家医疗保障信息平台按规定推进信息共享，强化医疗健康大数据运用，推动医疗支付方式改革，更好服务医保政策制定和医疗费用管理。鼓励商业保险机构参与国家长期护理保险试点。 |
III. Accelerating the development of commercial long-term health care insurance: In accordance with the development trend and market demand of the nursing industry, commercial insurance institutions shall be guided in accelerating the research on and development of products that are suitable for diversified nursing needs such as in-home care, community care and institutional care as well as exploring a combination of commercial long-term care insurance and nursing services. The establishment of a mechanism for conversion of liability for compensation in life insurance and liability for payment for care services shall be researched, and the insured shall be supported in receiving insurance benefits in advance when they become incapacitated to pay for nursing expenses.
．．．．．． | | 三、加快发展商业长期护理保险。顺应护理行业发展趋势和市场需求，引导商业保险机构加快研究开发适合居家护理、社区护理及机构护理等多样化护理需求的产品，探索将商业长期护理保险与护理服务相结合。研究建立寿险赔付责任与护理支付责任转换机制，支持被保险人在失能时提前获得保险金给付，用于护理费用支出。
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