Insuring health insurance mainly depends on your economic income and the health protection you need. General premium accounts for about 65,438+00% of your current annual income. If you want to improve your health protection ability, you need to consider your economic endurance, and everything is subject to demand. After buying specific health insurance, you can compare a number of companies and choose the one that suits you best. You can make a list and ask more questions before you know which one is right for you.
In addition to medical insurance and critical illness insurance, tax-excellent health insurance is also very cost-effective. The so-called tax-excellent health insurance means that taxpayers can pay less taxes after purchasing this commercial health insurance. This is equivalent to buying yourself a medical insurance at a lower price, or raising your tax threshold by buying tax-excellent health insurance.
According to the regulations, the expenses of individuals purchasing qualified commercial health insurance products are allowed to be deducted before tax according to the annual maximum of 2,400 yuan. The amount of 2400 yuan a year is paid to 200 yuan every month. This pre-tax 200 yuan can be understood as 200 yuan raising the threshold of individual income tax every month. According to the personal threshold of 3,500 yuan plus 200 yuan, if the personal insurance premium exceeds 2,400 yuan, the monthly tax threshold is 3,700 yuan.
Moreover, compared with general commercial health insurance, tax-excellent health insurance products will not refuse insurance because of the insured's past medical history, and can be insured in spite of illness, and there is no waiting period, and the insurance company guarantees to renew the insurance, breaking through the previous rules that health insurance products refuse to pay for past diseases.
Need to be reminded that although insurance is good, it is not necessary to be greedy. First of all, consumers should make an insurance plan for themselves according to their health, economic level and insurance demands. Consumers should choose the products they need and the appropriate payment period and amount without affecting their quality of life. The older you get, the more expensive your insurance products are, so plan ahead as much as possible. Secondly, beware of misleading sales. Some salespeople will tell consumers to buy more and get more from their performance. Consumers should be cautious, be sure to see whether the insurance products they buy belong to the type of superimposed compensation, and don't be deceived by some false propaganda.
At the same time, insurance should choose formal channels. When signing a contract, consumers should carefully read every clause in the insurance contract, pay attention to the exemption clause and compensation ratio, and the relevant provisions of the waiting period. In addition, consumers should tell the truth before taking out insurance. According to China's Insurance Law, an insurance company has the right to directly terminate the insurance contract without returning the premium if it finds that the consumer intentionally fails to tell the truth within two years, which is enough to affect the underwriting conclusion.