中銀保監規範短期健康保險業務
中國銀保監會辦公廳公布《關於規範短期健康保險業務有關問題》的通知表示,保險公司開發設計的短期健康保險產品,應當以提升人民群眾的健康保障水平,滿足多層次、多樣化的健康保障需求為目標,不斷擴大健康保障與健康管理服務的覆蓋面。
保險公司開發的短期健康保險產品中包含續保責任的,應當在保險條款中明確表述為「不保證續保」條款。產品保險期間為一年(或不超過一年)。保險期間屆滿,投保人需要重新向保險公司申請投保本產品,並經保險人同意,交納保險費,獲得新的保險合同。
保險公司不得在短期健康保險產品條款、宣傳材料中使用「自動續保」「承諾續保」「終身限額」等易與長期健康保險混淆的詞句。
此外,保險公司應當科學合理確定短期健康保險產品價格。產品定價所使用的各項精算假設應當以經驗數據為基礎,不得隨意約定或與經營實際出現較大偏差。保險公司可以根據不同風險因素確定差異化的產品費率,並嚴格按照審批或者備案的產品費率銷售短期個人健康保險產品。
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