原标题：积极开展商业医疗险净成本表编制工作 推动健康保险高质量发展
来源：中国精算师协会
为落实《国家金融监督管理总局关于推动健康保险高质量发展的指导意见》（金发〔2025〕34号），构建全覆盖、多层次的商业医疗保险产品体系，提升保险费率与承保风险匹配度，精算师协会组织行业力量开展商业医疗保险净成本表编制工作。一是有序推进商业医疗险净成本表编制工作。组织保险公司成立项目组，根据行业实际情况进行商业医疗险经验分析，推进编制商业医疗险净成本表。二是积极开展创新药品成本测算和分析工作。建立与医药行业常态化交流机制，加强沟通协作、互通联动，收集创新药品信息，加强药品成本测算与分析，有利于推动保险公司科学合理定价，提升保险费率与承保风险匹配度。三是稳妥推进惠民保净成本表编制工作。加强与外部机构的沟通协调，稳步开展惠民保净成本测算与分析工作。
下一步，精算师协会将持续加强商业医疗险经验分析工作，积极推动行业强化经验积累，进一步夯实行业经营和精细化管理基础，促进科学合理定价，优化产品供给，推动健康保险高质量发展。
责任编辑：王馨茹
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