金融监管总局有关司局负责人 就《财产保险公司保险产品开发管理规定》答记者问

The new regime tightens product design, governance, and consumer protection expectations. Key themes include a dedicated framework for rider/add-on products, prohibitions on speculative or non-insurance products, plain-language policy wording, prominent disclosure of exclusions, internal accountability, and ongoing product suitability reviews. Insurers must also strengthen use of industry model clauses and benchmark pure risk loss rates.

For compliance teams, this is a significant supervisory shift. Priority actions: (1) gap-assess all existing products against the new principles and prohibitions; (2) review rider structures to ensure genuine linkage to main policies; (3) update clauses and disclosures to meet readability and prominence standards; (4) embed product development accountability and post-launch monitoring; (5) align actuarial pricing with benchmark loss rates; (6) prepare product revision and exit procedures. Documentation and board-level oversight will be critical for examinations.

Business impact: higher compliance and product remediation costs, possible withdrawals of poorly structured riders, and increased litigation/mis-selling risk if disclosure is weak. Opportunities exist for firms that use standardised clauses to reduce legal costs, improve consumer trust, and differentiate through transparent products. Smaller insurers may face disproportionate resource pressure.

Overall: Significant policy change requiring immediate gap assessment and governance uplift.