Regulators release new version of the list of negative aspects of personal insurance, low coverage medical insurance, dividend insurance with false promises among others are prohibited.

According to reports from the industry, the China Banking and Insurance Regulatory Commission has recently officially issued the "Negative List for Life Insurance Products" to all life insurance companies. Compared to the previous "Negative List for Life Insurance Products" with 103 items, the new "Negative List" has been slightly expanded to 105 items. Data shows that in 2025, the original insurance premium income in the insurance industry exceeded the historic milestone of 6 trillion yuan, reaching 6.12 trillion yuan, a year-on-year increase of 7.43%. Among them, the original premium income of life insurance reached 4.65 trillion yuan, a year-on-year increase of 9.05%, becoming the core engine driving the industry's growth. Against the backdrop of the continuous expansion of the industry, problems such as product homogeneity, differentiated liability design, and sales deception are still on the rise. In the view of industry insiders, the introduction of the "Negative List" signifies that regulatory authorities are guiding the industry to return to its basic purpose with higher standards and stricter requirements.