Personal income to buy commercial health insurance tax deduction policy, finally landed. Recently, the Ministry of Finance, State Taxation Administration of The People's Republic of China and China Insurance Regulatory Commission jointly issued a notice, confirming to launch a commercial health insurance pilot project in 3 1 city nationwide, and Qingdao, our province, was selected as the first batch of pilot cities. The new regulations will be officially implemented on June 65438+ 10/day next year.
According to Shandong News, Shandong People's Broadcasting Station, the pilot policy is specific to individuals, that is to say, in the future, each person can take out 200 yuan from his personal income to buy commercial health insurance every month, and this income does not need to pay personal income tax. For example, if you earn 3,700 yuan a month, you need to pay a tax on the part that exceeds 3,500 yuan. However, after the implementation of the new insurance policy, you can take out 200 yuan to buy commercial health insurance, which 200 yuan does not have to pay taxes.
Liu, a professor of insurance at Qingdao University, said that this policy provides a new way and path for the development of commercial health insurance in China and the construction of a more perfect social medical security system. I used to buy health insurance, but I bought it after tax. Now people are encouraged to have a better understanding of this kind of health insurance purchase through tax reduction. So in fact, with this commercial health insurance and tax incentives, people may have health protection, and they will be more active in seeing a doctor, and then their health level may be higher.
However, it is only half a month before the formal implementation of the pilot policy, and the specific insurance products and local implementation policies seem unclear. Relevant personnel of Qingdao Insurance Regulatory Bureau said that at present, only documents have been issued at the central level, and it is still unclear what to do next at the local level.
Many health insurance companies in Qingdao also unanimously stated that the policy of the headquarters is being formulated and the company does not know much about the policy itself.
The relevant person in charge of individual insurance companies said that although the new products have not yet been reported, compared with the previous health insurance products, it will definitely benefit the people more. "According to regulations, the biggest difference between it and other products is' sickness insurance'. According to the current requirements, you should insure him when he is ill, but the amount of insurance can be reduced. In addition, it also has a guarantee renewal, which means that if you are in good health when you apply for insurance for the first time, even if you get sick in the future, I will renew your insurance. "
Further reading
Comments on individual tax policy of health insurance: preferential rules are introduced, and health insurance has great potential.
The medical insurance policy has been promoted, and priority will be given to the 3 1 pilot project next year.
65438+February 1 1, the Ministry of Finance, State Taxation Administration of The People's Republic of China and the China Insurance Regulatory Commission issued a notice on launching a pilot personal income tax policy for commercial health insurance, clarifying that the expenses of individuals purchasing qualified health insurance products in the pilot areas should be deducted before personal income tax according to the limit of 2,400 yuan per month and 200 yuan per year. This notice will be implemented on June 65438+ 10/day. Judging from the pilot list, the preferential medical insurance policies will give priority to provincial capitals and municipalities directly under the central government. Among them, the proportion of health insurance premium income in Beishangguang area is 1, 7 and 2 respectively. It shows that the demand for health insurance in economically developed areas has also increased accordingly. By the end of 10 this year, the health insurance premium income was 202.725 billion yuan, up 48.35% year-on-year, accounting for 10% of the total premium, and showing a rapid growth trend.
Compared with the huge overseas space, the market potential needs to be tapped.
China's insurance market as a whole is still in the development stage, and the overall scale of health insurance is small. Compared with overseas developed markets, the health insurance market is relatively perfect and can bear the pressure of medical expenditure in most countries. American medical insurance has accounted for nearly 70% of medical expenditure, effectively sharing the pressure of medical assistance for the government. In the future, with the continuous liberalization of China's policies, the health insurance market will gradually expand. According to the published taxpayer data, we estimate that the number of taxpayers in China will reach 58 million. It is conservatively assumed that participation in health insurance is 10%-30%. Based on the annual limit of 2400 yuan, the new industry premium scale is139-41800 million yuan, accounting for 6.9%-20.6% of the current health insurance scale, which has played an effective role in promoting the industry premium growth.
The administrative significance is great, and the actual effect remains to be seen.
This preferential health insurance policy clearly puts forward the principle of "guaranteeing capital and making small profits", and stipulates that if the insurance company's payout ratio is lower than the regulations, it will return the balance of payout ratio to the customer. Therefore, in essence, the introduction of this policy has great administrative significance, and more importantly, it is to popularize China's health insurance protection, and the performance of commercial insurance companies may not be too obvious in the short term. According to the data of the China Insurance Regulatory Commission, at present, there are more than 100 insurance companies engaged in commercial health insurance business in China, and the registered health insurance products cover four categories: sickness insurance, medical insurance, nursing insurance and disability income loss insurance, with more than 2,300 products. Among listed companies, China Ping An and China Taibao have set up special health insurance companies to take charge of related businesses.
Capital proposal
The depth and density of insurance in China are still low. Even considering the ten national goals and China's huge population base, the popularization of health insurance products will effectively supplement medical and health security. Therefore, from the perspective of the industry, the development of health insurance must be positive and optimistic. It is suggested to pay attention to China Ping 'an, the industry leader who actively deploys the mobile medical field and implements the big health management strategy.