Objective: The paper compares the differences between new-listed and sustained inclusive commercial medical insurance products to provide references for the sustainable operation of new-listed insurance products and the further development of inclusive commercial medical insurances. Methods: Information on inclusive commercial medical insurance in China from 2021 to 2023 was systematically collected. Based on their existence status, these insurances were classified into new-listed and sustained ones, and their number of participants, financing standards, requirements for enrollment and payment, and benefits were comparatively analyzed. Results: The financing standards for new-listed insurances were higher than sustained ones, yet the number of insured individuals was lower. In terms of participation and payment conditions, the new-listed insurances with higher premiums imposed stricter payment conditions for individuals with pre-existing conditions. In terms of benefits, the new-listed insurances reduced coverage for outpatient chronic and special diseases compared to sustained ones, and the insurances with higher premiums expanded their coverage to include other medical expenses not covered by basic medical insurance, and raised the overall cap. Conclusion: Inclusive commercial insurance should further optimize the design of security schemes, enhance outpatient chronic and special disease security, and expand coverage of the population to enhance its own anti-risk capacity.