On November 10, Pacific Health Insurance, a subsidiary of China Pacific Insurance (Group) Co., Ltd., successfully hosted the "Open Cooperation, Healthy Future" forum on high-quality development of group commercial health insurance during the 8th China International Import Expo. The event brought together industry experts, corporate representatives, and channel partners to discuss pathways for advancing group health insurance under the latest policies, including the "Guidelines on Promoting High-Quality Development of Health Insurance," aiming to support the construction of a multi-tiered healthcare system and service ecosystem.
In September this year, the National Financial Regulatory Administration issued Document No. 34, the "Guidelines on Promoting High-Quality Development of Health Insurance," elevating health insurance to a new strategic level. The guidelines emphasize serving China's Healthy China strategy through high-quality development, with the overarching goal of "further enhancing the critical role of health insurance in the national health security system by 2030." For the first time, the document highlights coordinated development between group and individual health insurance, positioning group health insurance as a key entry point to establish comprehensive, multi-tiered health coverage across all demographics and life stages. Against this policy backdrop, the forum provided a vital platform for industry dialogue and consensus-building.
Shang Jiaoyan, General Manager of Pacific Health Insurance, stated in his speech that group health insurance should seize policy opportunities to cover more out-of-pocket medical expenses for employees, meet their demands for "quality healthcare, medicines, and services," and upgrade coverage from basic to premium medical care. He emphasized transforming the service model from "passive claims" to "proactive services," helping companies elevate health benefits from "cost expenditures" to "health investments," thereby fulfilling its essential role in safeguarding public welfare.
The forum delved into Document No. 34 and local policies like Shanghai's "18 Measures" jointly issued by seven municipal departments. These policies signify health insurance's entry into a new phase of high-quality development, focusing on building a multi-tiered product system, deepening payer roles, breaking barriers with pharmaceutical and healthcare sectors, and fostering a sustainable industry ecosystem. The policies explicitly support deeper integration of insurance and services, value-based payment models, adoption of innovative medical devices, and encourage specialized health insurers to enhance core competitiveness, unlocking new growth avenues.
Supported by these policies, Pacific Health Insurance is leading the development of Shanghai's new group insurance model clauses, a pivotal initiative to advance high-quality development in group health insurance.
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