2026 Negative List Tightens Health-Insurance Design and Long-Term Product Rules
New list curbs high deductibles and distorted long-term fee assumptions
Insurance News
Decoding insurance regulation, carrier operations and product innovation.
Insurance News
Health-Insurance Forum Pushes Care Continuum as Commercial Cover Shifts to Management
Medical-insurance synergy rises; commercial share eyed at 20%–30%
InsurTech Reshapes Reinsurance and Catastrophe Risk Management
AI + spatial big data build catastrophe models
Five Listed Insurers See Q1-Q3 Profit Declines as Investment Side Pressured
Equity volatility drags insurers' Q3 earnings
Model Health-Insurance Clauses Land: Three Templates Approved
IAC approves short/long-term and city-custom medical clauses
Catastrophe Insurance in Action & Reinsurance Ecosystem Expand
Nagqu 7.0 quake triggers first payout; Shanghai reinsurance meet opens
Shanghai reinsurance meet closes; Lingang policy goes live
2026 Shanghai reinsurance conference launches Lingang pilot
Catastrophe insurance expands; shifts to pre-disaster prevention
China's catastrophe insurance widens coverage in Guangxi, Tibet
Building a Stronger Catastrophe Insurance System: From Post-Disaster Payout to Prevention
Forum urges cat-insurance expansion; cat bonds and capital-market tools disperse risk.
Catastrophe Insurance Expands Across Guangxi; Tibet Launches Plateau-Tailored Scheme
Guangxi achieves full territorial coverage; Tibet launches first plateau-tailored scheme.
China's Catastrophe Insurance System Tightens: 3-Hour Payout After Quake, Guangxi Coverage
Nagqu quake paid in 3 hours; Guangxi reaches full catastrophe-insurance coverage
Insurers Drop 'Scale Fixation': Shift to Quality, Efficiency and Risk Reduction
Regulator urges quality over scale; health and inclusive insurance turn to risk reduction
Improving China's Catastrophe Insurance System: Risk Reduction Takes Center Stage
Cat models, risk reduction and securitization disperse disaster risk
Guangxi Achieves Full Coverage of Livelihood Catastrophe Insurance
Eight new cities added; fiscally funded, zero premium for residents
9M Premiums Up 0.9%; Life Rebounds Monthly, Auto Stalls
9M premiums 5.26trn yuan +0.9%; life +10.5% in Sept alone
New P&C Product Rules Draw Eight Red Lines
NFRA revises P&C product rules; effective November
Financial Street Forum Hosts First Insurance Conference; Sector Shifts to Functional Value
First insurance conference at Financial Street Forum; scale gives way to function
Catastrophe Insurance Expands: Tibet Plateau Scheme and Guangxi Full Coverage
Tibet plateau catastrophe scheme lands; Guangxi achieves full livelihood coverage
Financial Street Forum Debuts Insurance Conference Charting 15th Five-Year Roadmap
Financial Street Forum debuts insurance track; 15th Five-Year research released
Catastrophe Insurance Expands Across Regions as Payout Ratio Gap Persists
Tibet and Guangxi roll out cat insurance; overall payout ratio gap remains
Financial Street Forum Debuts Insurance Conference, Maps 15th Five-Year Roadmap
Forum spotlights tech, inclusive, pension, catastrophe insurance
China's First AI Application Risk Insurance Package Launched
PICC introduces AI liability and cost-loss covers
Financial Street Forum Debuts Insurance Track, Outlining 15th FYP Roadmap
Regulator sets strategic insurance priorities
Connected-Vehicle Insurance Gains Legal Support Amid Pricing, Claims Challenges
Forum releases dispute-scenario analysis
NFRA Charts Insurance Mandate: Target Key Sectors, Drop 'Scale Obsession'
Cong Lin: boost tech/green/catastrophe insurance, patient capital
Financial Street Forum's First Insurance Summit Sets '15th Five-Year' Red Lines
Ding Xiangqun on risk resolution; Tan Jiong debuts as PICC chairman
New P&C Product Rules Draw Eight Red Lines, Reshape Sector
NFRA codifies bans on gimmick products; shifts P&C from fees to service
Financial Street Forum Sets Tight-Supervision Tone; Penetration Rules
Ding Xiangqun stresses 'five regulations'; related-party lending in focus
Regulator Cracks Down on 'Fast-Payout' Life Products, Steering Liabilities to Value
China curbs 'pay-3-cover-6' products to fix long-term mismatch
Health and Long-Term Care Insurance Advance in Tandem
Siming Forum spotlights health insurance; LTCI covers 300M nationwide
New Insurance Asset-Liability Rules Make Rate-Risk Hedge Ratio the Core Metric
China's ALM rules effective 2027; hedge ratio replaces duration gap
Catastrophe Insurance Expands as Multi-Layer Risk-Sharing Mechanism Builds
Guangxi rolls out comprehensive cat insurance; reinsurance layer deepens
Siming Insurance Forum Spotlights Quality Health-Insurance Growth; Model Clauses in the Works
People-first health insurance push targets data silos and claims ease.
C-ROSS II Transition Ends; Insurers Accelerate Capital and Perpetual Bond Issuance
Stricter solvency rules land; perpetual bonds top 60% of H1 issuance.
New P&C Product Rules Take Effect in November; Eight Prohibited Categories Draw a Red Line
P&C product rules from Nov: eight banned types steer sector back to basics.
Regulator Halts 'Quick-Payback' Long-Term Products; PICC Issues Hong Kong's First Sidecar ILS
Quick-return products curbed on liquidity risk; PICC's HK sidecar ILS debuts.
Regulator Cracks Down on Fast-Payout Policies; Life Insurers' Liabilities Return to Protection Roots
Fast-payout products banned; long-duration-made-short redlined.
C-ROSS Phase II Fully Lands; 23 Insurers Raise 80B Yuan to Replenish Capital
C-ROSS II fully lands; 23 insurers raise 80B yuan capital.
23 Insurers Raise Over 80 Billion Yuan; Solvency II Phase II Bites
23 insurers recapitalize 80b+ yuan as Solvency II Phase II and new standards bite.
P&C Product Rules Draw Eight Red Lines; Auto-Insurance 'Bundle' Sales Banned Nov 1
Nov P&C rules: eight prohibited products; abusive add-on bundling banned.
New P&C Product Rules Issued: Eight Prohibitions and Lifecycle Supervision
JinGui [2026] No.9 elevates P&C product rules from 'guidance' to 'regulation'
C-ROSS Phase II Transition Ends: 23 Insurers Raise Over ¥80bn
Rigid capital constraints drive insurers to raise capital and issue bonds
New P&C Product Rules Land; Eight Prohibited Development Categories
Effective Nov 1; riders regulated, full-lifecycle management
Insurer Capital Top-Up Wave Continues; 70bn Special Bonds for Insurance SOEs
~20 insurers recapitalize YTD; perpetual bonds lead
NFRA Revises Property-Insurance Product Development Rules; Effective Nov 1
Eight banned product types plus dedicated rider chapter
About 20 Insurers Raise Capital in 2026; RMB300bn Special Bond Eases Solvency Pressure
Solvency ratios fall YoY; capital injections and bonds proceed
Insurers' Capital Top-Up Wave; Perpetual Bonds Top 65B Combined
Low rates plus Solvency II Phase II; insurers raise 65B+ via bonds/equity
High-Quality Pension Finance: Three Pillars and Long-Term Care Insurance
Experts urge pension architecture fix: mandatory LTCI, higher tax breaks
China's 930 Rule Tightens Online Financial Marketing
Licensed, authorized staff only; exaggeration banned; records kept
Insurance Product Policy Reshapes the Competitive Landscape
Non-auto governance, bancassurance alignment, standardized clauses
70bn Special Treasury Injection into Insurers Signals Precautionary Recap
First sovereign injection to insurers; solvency steady
C-ROSS Phase II Fully Enforced; Bao-Xing-He-Yi Extends to Non-auto
Tighter capital rules squeeze small insurers; fee abuse curbed
C-ROSS Phase II Transition Ends as Insurers Rush to Issue Debt and Raise Capital
16 insurers issued 52.5bn yuan of bonds YTD; perpetual rates enter the '1% range'
Model Clauses for Commercial Medical Insurance Open for Comment, Health Insurance Normalizes
Insurance Association seeks comments on three model clauses for commercial medical insurance
China Injects RMB 70bn into Five State-Owned Insurers: Preventive Capital Buffering as C-ROSS Phase II Fully Lands
Five state-owned insurers included in fiscal capitalization for the first time, RMB 70bn to core Tier-1 capital
Regulator Mandates Industry-Wide 'Rate-Filing Consistency' as Insurance Law Overhaul Codifies Prudential Rules
Solvency regulator mandates expense-control compliance; prudential rules enter Insurance Law
New-Energy Auto Insurance Pricing Band to Match Gasoline Cars as Reform Deepens
NEV commercial auto pricing band to align with ICE cars by end-September
Citic Securities: financial-power plan out; insurers' logic turns to capital-return driven
Dividend attribute further highlighted.
16 insurers approved to raise 38.2 billion yuan YTD; perpetual bonds favoured
24.7 billion issued, 68.5% of total.
Top-5 listed insurers' VNB up 5% to 34% in first half
Fee-parity reform covers both channels and product types.
Solvency transition-period policy ends; most insurers hold the line
Only Changsheng Life flashes red.
Health insurance upgrades coverage; regulator shifts from payout to health-management model
Product-supply structure optimised.
Four ministries issue plan to accelerate high-quality agricultural-insurance development
Agricultural-insurance depth to reach 1.9% by 2030.
Personal-pension products expand; more commercial-insurance offerings added
Third-pillar build-out accelerates; long-term capital supply improves.
NEV insurance pricing coefficient loosened for more precise risk pricing
Claims-pressure eases; product supply returns to rationality.
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