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| Notice by the National Financial Regulatory Administration of Matters Concerning Strengthening the Regulation of Non-Auto Insurance Business | | 国家金融监督管理总局关于加强非车险业务监管有关事项的通知 |
| (No. 36 [2025] of the National Financial Regulatory Administration) | | （金发〔2025〕36号） |
| All local bureaus of the National Financial Regulatory Administration; all property insurance companies; all insurance intermediary institutions; China Banking and Insurance Information Technology Management Co., Ltd., the Shanghai Insurance Exchange, the Insurance Association of China, and the China Association of Actuaries: | | 各金融监管局，各财产保险公司，各保险中介机构，银保信公司、上海保交所、保险业协会、精算师协会： |
| For the purposes of strengthening the regulation of non-auto insurance business of property insurance companies, protecting the legitimate rights and interests of insurance consumers, and propelling the high-quality development of the property insurance industry, you are hereby notified of the following matters: | | 为加强财产保险公司非车险业务监管，维护保险消费者合法权益，推动财产保险业高质量发展，现将有关事项通知如下： |
| I. Specifying the scope of regulation | | 一、明确规范范围 |
| For the purpose of this Notice, non-auto insurance business refers to other property insurance business except motor vehicle insurance.Except as separately prescribed for agricultural insurance and export credit insurance, such provisions shall prevail. | | 本通知所称非车险业务，是指机动车辆保险以外的其他财产保险业务。农业保险、出口信用保险另有规定的，从其规定。 |
| II. Optimizing the assessment mechanism | | 二、优化考核机制 |
| Property insurance companies shall, in accordance with the requirements for high-quality development, reasonably reduce the assessment requirements for premium scale, business growth rate, and market share, and effectively increase the assessment weights of compliant operation, quality and efficiency, and protection of consumers' rights and interests. Property insurance companies shall, in consideration of the market carrying capacity and their own development foundation, reasonably plan the development of non-auto insurance business, and accelerate the transformation from pursuing scale and speed to pursuing quality and efficiency. | | 财产保险公司应按照高质量发展要求，合理降低保费规模、业务增速、市场份额的考核要求，有效提高合规经营、质量效益、消费者权益保护的考核权重。财产保险公司要结合市场承载能力和自身发展基础，合理规划非车险业务发展，加快由追求规模、速度向追求质量、效益转变。 |
| III. Strengthening rate management | | 三、加强费率管理 |
| Property insurance companies shall scientifically determine insurance premium rates under the principles of fairness, reasonableness, and sufficiency, reasonably set the level of predetermined additional rates and service fee rates, and shall not set excessive fees inconsistent with the provided services. The actuarial reports of main insurance policies and the recordation materials of additional insurance shall clearly list the predetermined additional premium rates, average service fee rates, and upper limit of service fee rates per individual policy. Property insurance companies shall establish a regular retrospect and dynamic adjustment mechanism for premium rates, and when there is a significant deviation between the actuarial assumptions and actual operations, they shall conduct adjustment and re-recordation in a timely manner, and suspend the sale of related products, if necessary. | | 财产保险公司应遵循公平、合理、充足原则科学厘定保险费率，合理设置预定附加费率和手续费率水平，不得设置与所提供服务不符的高额费用。主险精算报告和附加险备案材料应明确列示预定附加费率、平均手续费率和逐单手续费率上限。财产保险公司应建立费率定期回溯和动态调整机制，精算假设与实际经营情况偏差过大时，应及时调整并重新备案，必要时应先行停售相关产品。 |
| IV. Strictly using insurance clauses and premium rates | | 四、严格条款费率使用 |
| Property insurance companies shall continuously strengthen the standardized use of main insurance and additional insurance clauses and premium rates, and strictly implement the insurance clauses and premium rates for which the recordation procedures have been undergone. Property insurance companies and insurance intermediaries shall not substantially change the responsibilities of the insurance clauses for which the recordation procedures have been undergone by special agreements, insurance endorsements, agreements, memorandums, and other means, or adjust the insurance premium rates in a disguised manner by splitting insurance subjects, splitting insurance amounts, changing the attributes of the insured, changing the use nature of the subjects, increasing or reducing the deductible excess (rate) and other means in violation of the provisions. | | 财产保险公司应持续加强主险和附加险条款费率的规范使用，严格执行经备案的保险条款和保险费率。财产保险公司和保险中介机构不得通过特别约定、批单、协议、备忘录等方式实质改变经备案的保险条款责任，不得通过违规拆分保险标的、拆分保险金额、更改被保险人属性、更改标的使用性质、提高或降低免赔额（率）等形式变相调整保险费率。 |
| ．．．．．． | | ．．．．．． |
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