中證網訊（記者 程竹 薛瑾）銀保(bao)監(jian)會網站6月2日消息，為規(gui)范(fan)保(bao)險(xian)(xian)公司城市(shi)定(ding)制(zhi)型商業醫療(liao)(liao)保(bao)險(xian)(xian)（以(yi)下簡稱定(ding)制(zhi)醫療(liao)(liao)保(bao)險(xian)(xian)）業務(wu)的(de)開展，銀保(bao)監(jian)會近日印發了《中國(guo)銀保(bao)監(jian)會辦公廳關于規(gui)范(fan)保(bao)險(xian)(xian)公司城市(shi)定(ding)制(zhi)型商業醫療(liao)(liao)保(bao)險(xian)(xian)業務(wu)的(de)通知》（以(yi)下簡稱《通知》）。

　　《通(tong)知》包括以下(xia)主要內容：一(yi)(yi)是(shi)(shi)強化依法合規。要求保(bao)(bao)(bao)(bao)險公(gong)司按(an)照商業(ye)保(bao)(bao)(bao)(bao)險經(jing)營規律和(he)市(shi)(shi)場(chang)化原則，科學合理制(zhi)(zhi)定(ding)(ding)(ding)保(bao)(bao)(bao)(bao)障(zhang)方案。規范業(ye)務開(kai)展，提高管(guan)(guan)理服務效率和(he)風險控制(zhi)(zhi)能力。二是(shi)(shi)壓(ya)實主體責(ze)任(ren)。總公(gong)司對(dui)開(kai)展定(ding)(ding)(ding)制(zhi)(zhi)醫療(liao)保(bao)(bao)(bao)(bao)險業(ye)務負管(guan)(guan)理責(ze)任(ren)，須審核保(bao)(bao)(bao)(bao)障(zhang)方案和(he)承保(bao)(bao)(bao)(bao)產品，加(jia)強統一(yi)(yi)管(guan)(guan)理，規范業(ye)務流程，完善內部(bu)問責(ze)機制(zhi)(zhi)。三是(shi)(shi)明確監管(guan)(guan)要求。加(jia)大日常監管(guan)(guan)力度，對(dui)低價惡(e)性(xing)競爭(zheng)、虛假宣傳(chuan)等違規行為重點(dian)查(cha)處，維(wei)護(hu)市(shi)(shi)場(chang)秩序，保(bao)(bao)(bao)(bao)障(zhang)業(ye)務平穩(wen)運行。四是(shi)(shi)加(jia)強行業(ye)自(zi)(zi)律。鼓勵行業(ye)協會發揮自(zi)(zi)律組織作用，積(ji)極參(can)與屬地保(bao)(bao)(bao)(bao)障(zhang)方案擬定(ding)(ding)(ding)，探(tan)索建(jian)立(li)定(ding)(ding)(ding)制(zhi)(zhi)醫療(liao)保(bao)(bao)(bao)(bao)險服務規范，搭(da)建(jian)行業(ye)交流平臺。

　　下(xia)一步，銀保(bao)(bao)監會將進一步引導行(xing)業(ye)發揮自身優(you)勢，依法合(he)規(gui)開展(zhan)定制醫(yi)療保(bao)(bao)險業(ye)務，強化日常監管，規(gui)范(fan)經(jing)營行(xing)為，維護市場秩序，保(bao)(bao)護消費者合(he)法權益。