Let's start with the conclusion: for healthy people, there is no need to buy it!
For people who have been sick, it is very worth buying! I'm divided into five parts, and I'll introduce them to you.
The article is divided into five parts:
What is tax excellent health insurance?
What are the advantages of tax-excellent health insurance?
What are the disadvantages of tax-excellent health insurance?
Should I buy tax-excellent health insurance?
What products are there at present?
The full name of tax-excellent health insurance is "personal tax-excellent health insurance".
It is a commercial medical insurance that the government cooperates with insurance companies.
We can think of it as a one-year medical insurance with a universal account.
Let's talk about one-year medical insurance first.
Since it is medical insurance, it is used for reimbursement.
Used for reimbursement of outpatient and emergency expenses, hospitalization expenses, medical expenses, etc.
The guarantee period is one year, but it can be extended to the legal retirement age. In the meantime, whether you are sick or not, whether you have a claim record or not, you can continue to buy.
Then there is the universal account, which is equivalent to a deposit, but this deposit is specially used to pay the later premium.
We pay 2400 insurance premium, part of which will go into this account. After many years, the principal and interest can be used to continue to purchase commercial insurance, and can also be used for reimbursement when medical insurance is paid.
Searching on the Internet, there are many articles about tax-excellent health insurance.
So, tax is better than health insurance,
What is the best?
1. Insure against illness, no waiting period, 0 deductible.
Our general medical insurance does not cover the diseases we have or are suffering from.
However, no matter what illness you have had or not, you can apply for tax-excellent health insurance!
Common medical insurance usually takes three months or half a year to pay after the contract comes into effect.
However, as long as the contract comes into effect, you can pay. To put it bluntly, you can buy it today and pay it tomorrow.
Ordinary medical insurance generally has a deductible when paying. For example, it costs 50,000 yuan to see a doctor, the deductible is 1 10,000, and only 40,000 yuan can be reimbursed.
However, tax-excellent health insurance has no deductible. After medical insurance reimbursement, the rest of the money can be reimbursed.
2. Guarantee renewal.
If you think it's enough for insurance companies to cover sickness insurance,
That's the guarantee of renewal. It makes them feel sick.
Everyone knows that medical expenses have risen sharply, and no matter how much money you earn, you still feel that you can't afford to see a doctor.
Therefore, if the medical insurance can be renewed (the annual premium does not increase), it is really commendable.
It will soon become a hot topic in the entire insurance market.
At present, the best medical insurance on the market is to guarantee a six-year renewal.
However, tax-excellent health insurance directly guarantees renewal until retirement! Women are 55 years old, men are 60 years old, and even the awesome ones can be guaranteed to renew their insurance until they are 75 years old.
The long-term guarantee performance is much better than the former.
Whether your medical expenses go up or not,
I only charge 2400 a year, so you won't change at 60.
You can buy it if you are sick today, and I will reimburse you tomorrow.
Although insurance companies now have lifelong medical insurance, it is difficult to guarantee that these products will not increase in price with the increase of medical expenses in the future.
3. You can deduct a tax.
Buy insurance, and the country will support you!
Excellent tax, full name tax preference.
It is this part of personal income that we use to buy tax-excellent health insurance, and the state does not collect taxes.
Then, the annual premium of tax-excellent health insurance is 2,400, which is equivalent to the overall increase of our monthly tax threshold in 200 yuan.
Multiply this part of the income that should be taxed by the tax rate of the taxable class, and we can get the tax that we can save in each tax class.
For convenience, I'll show you a picture:
As you can see,
If all tax sections are saved, we will save 72- 1080 yuan.
Not much, but flies and mosquitoes are also meat.
At least it shows that the country is troubled by policies.
4. Unlimited medical insurance.
The reimbursement scope of our medical insurance is stipulated by the state.
Tax-excellent health insurance can not only reimburse the scope that medical insurance can reimburse, but also reimburse people outside this scope.
However, not all of them are reimbursed outside the scope of medical insurance.
It is limited to positive or negative lists.
The positive list of diseases is reimbursed, and the negative list of diseases is not reimbursed.
When buying, you should carefully look at the diseases in its positive/negative list before making a decision.
For such national radio stations,
Support the wool insurance of insurance companies,
Does everyone think it's good?
Don't be so absolute.
Everything happens, but,
Tax-excellent health insurance is actually a product with very distinct advantages and disadvantages.
Its disadvantages to ordinary families,
It's also pretty uncomfortable.
1. The purchase conditions are high.
Keywords sickness insurance, no waiting period, guaranteed renewal, unlimited medical insurance,
Good things naturally require high standards.
Want to buy tax-excellent health insurance,
Three additional requirements must be met:
Age: 16 years old can only be bought before retirement.
Tax payment: you must have paid taxes for one year at the time of purchase, and it will not be affected if you do not meet the tax payment conditions in the later period.
Medical insurance: You must have participated in basic medical insurance or free medical care.
These three conditions
Paying taxes for one year alone is enough to screen out more than half of China people.
From 2065438 to 2009, the national median per capita disposable income was only 22 10 yuan in January, and more than half of the people did not have to pay taxes, so naturally they could not buy it.
In addition, even if some people can afford to pay taxes, they will have to be treated and nursed back to health for two or three years after getting seriously ill. They have long since stopped working and can't buy them without paying taxes.
Therefore, it is even more uncomfortable when needed, but it can't be bought.
2. The reimbursement amount is too low.
For healthy people, only 200,000 yuan is reimbursed at most one year, and the lifetime limit is 800,000 yuan. When they are used up, they are gone.
If you take out insurance against illness, you will only be reimbursed up to 40,000 yuan a year, with a lifetime limit of 1.5 million yuan. Give birth to a serious illness at will, and the treatment fee will be at least 500,000.
Only 40,000 yuan can be reimbursed in one year, and only 1.5 million yuan in a lifetime, which is really a drop in the bucket!
Of course, 200,000 and 800,000 healthy people are only common situations.
There are 25000900300 1.2 million in the market.
However, 40,000 and 654.38+0.5 million were both insured.
That's not enough,
Bonus hunter won't do much.
3. It is awkward to guarantee the renewal age.
The vast majority of tax-excellent health insurance, the guarantee renewal age is generally between 55 and 65 years old.
According to the statistics of the social security department, 65% of the medical insurance fund is spent on 25% of the retired insured.
The problem of aging in our country is getting more and more serious, the life expectancy is getting longer and longer, and the medical expenses of the elderly will increase in the future.
Although the tax-excellent health insurance guarantees the renewal to the legal retirement age, it seems that the renewal time is very long.
However, many major diseases have just entered the high-incidence stage from the age of 50 to 60.
And approaching retirement, stepping into the elderly group, the body has more or less minor problems,
At this time, I suddenly lost my insurance, and I couldn't buy other million medical insurance.
At the end of my life, I lost my sense of security.
Only one embarrassment?
4. There are also restrictions on medication.
As mentioned earlier, tax-excellent health insurance can be used outside the scope of social security.
However, a positive/negative list was added to limit out-of-range drugs.
Only drugs included in the positive list can be reimbursed, and those not included will not be reimbursed.
Drugs included in the negative list are not reimbursed, and those not included are reimbursed.
This is equivalent to the pattern of the outer circle.
None of us are doctors, and when faced with these lists,
They are all professional drug terms that we don't understand, and we don't know what is good or bad.
If we buy it and don't pay in the end, who shall we go to?
In contrast, as long as the social security reimbursement part and the deductible of about 1W are removed from the million medical insurance,
In addition to social security reimbursement, excluding the deductible of about 1 ten thousand yuan, the remaining hospitalization expenses, operation expenses, nursing expenses, medicine expenses, various inspection expenses, outpatient and emergency expenses before and after hospitalization, etc. Insurance companies can reimburse most of the products, even specific drugs, targeted drugs and purchased drugs.
This is much better than writing a list of prescription drugs.
5. it is not easy to buy.
As soon as the tax-excellent health insurance came out, it was designated as "guarantee first, reasonable pricing and meager profit operation"
This kind of product with strong policy is basically unprofitable for insurance companies to operate, and the procedures are complicated.
So insurance companies don't push these insurances very much, which is why we haven't heard much about them.
More importantly, more than 90% insurance companies package it as a group insurance and sell it.
It is difficult for individuals to buy. At present, there are only two, Minsheng Life Insurance and Pacific Life Insurance.
After all, for insurance companies, the risk of insuring such products is too high.
And pushing into group insurance can better share the risk.
So, if you want to buy it,
Or you can only go to these two,
I still hope to meet a good company and buy it for employees collectively.
6. The general account interest rate is pitifully low.
A good medical insurance, why add a universal account?
Universal accounts are easy to understand. In fact, just like the bank account we open, it is a place to save money and earn interest.
We only need to pay 2400 yuan a year, but with the growth of age, the risk is getting bigger and bigger, and the risk premium should also increase.
For example, the risk premium of a tax-excellent health insurance has increased from 2,296 at the age of 56 to 4 109 yuan at the age of 70.
Where does this extra money come from? It comes from the "principal and interest sum" of the universal account.
Universal accounts have another purpose,
When the insured reaches retirement age and cannot renew his insurance,
The money in the universal account can be used as medical insurance reimbursement or other commercial insurance, but it can't be withdrawn.
On the other hand, this account seems very useful.
But since it is saving money, the most important thing is that the interest rate should be high!
Unfortunately, the universal account interest rate of tax-excellent health insurance is too low.
The lowest is 1.75% and the highest is 3%. It took decades to save children and retire.
Deposits in big banks are even worse, with a five-year deposit rate of 2.75%.
Since tax preferential health insurance has so many advantages and disadvantages,
So, for most of us ordinary people, should we buy it or not?
Ok, let's discuss this problem.
1, the threshold is too high, and you may not be able to buy it if you want.
In addition to the tax requirements mentioned above, more than half of the people in China can't afford to pay taxes, resulting in many people can't buy them without payment records.
Tax-excellent health insurance is also sold as group insurance by various insurance companies. Generally, only companies come forward to buy, or buy one by one, which is difficult for individuals to buy.
Not to mention the company, 80% are small private enterprises, and no one has such strong financial resources to buy for employees.
As for families, the insurance age is limited to 16 to 60 years old. Conversely, 16-year-old children can buy it in high school, and parents under 60 can also buy it.
This has led to a great decrease in the number of families buying tax preferential health insurance.
In addition, insurance companies generally do not spend resources to promote these unprofitable products.
As a result, many people have never even heard of it, let alone know where to buy it.
2. It is not necessary for healthy people.
Tax excellent health insurance is not only difficult to buy, but also unnecessary for healthy people.
Healthy people have more choices.
Millions of medical insurance costs hundreds of dollars a year, and you can pay millions for it, and you can renew your insurance for up to 6 years (maybe soon, there will be millions of medical insurance covering your life, and Alipay already has lifelong cancer prevention medical insurance).
If there is no problem or the product is not sold, you can continue to buy.
Healthy people can buy for a short time, and they are not afraid to look down on the disease when they are seriously ill.
3. The correct posture of tax premium insurance purchase is that you need to use it immediately and you can buy one.
As you can see, tax-excellent health insurance has many advantages, but there are also many fly in the ointment.
As a policy product, it pursues fairness and social welfare, mainly to help the weak, such as those who can't buy insurance.
Buying health insurance generally has a health notice.
Commercial health insurance after all, insurance companies want profits, and in order to control the risk of compensation, health information is strict.
This has caused many people with minor physical problems, and even those who are seriously ill can't buy them at all.
I didn't buy other commercial medical insurance before. I am seriously ill and will go to the hospital for treatment tomorrow.
As a taxpayer, I can buy a tax-excellent health insurance at this time.
Reimbursement of at least 40,000 medical expenses every year to reduce medical pressure.
Earn a sum of wool from the insurance company
Then there is the last question left. What are the options for tax-excellent health insurance at present?
Next, my son will sort out what products are available now.
Health insurance with tax incentives,
Generally, it is sold in the form of group insurance, and individuals can buy very little.
Sort out what someone can buy first.
Tax-preferential health insurance that individuals can insure:
At present, two companies have opened personal channels for tax-excellent health insurance business, namely Pacific Life Insurance and Minsheng Life Insurance.
The product of Minsheng Life Insurance is Minsheng Wellcome Bonded Excellent Health Insurance A.
Minsheng Wellcome medical insurance has no positive/negative list, and medical insurance has no restrictions.
The annual security for healthy people is 200,000, the lifetime security is 800,000, and the number of sick people is 46,543.8+0.5 million.
The guaranteed rate of return of universal account is 2.5%, which is a high level in its kind.
People who are sick or not can apply for self-protection online.
The product of Pacific Life Insurance is the A 1 model of personal tax excellent health insurance of Taiping Life Insurance.
There is no positive/negative list for this product, but there is a positive targeted list for reimbursement of cancer-targeted drugs.
Only targeted drugs in this catalogue can be reimbursed.
Its insurance coverage is relatively high,
For healthy people, you can choose the annual insurance coverage of 300 thousand or 200 thousand.
The number of patients, such as Minsheng Wellcome Insurance, is 40,000, 1.5 million.
The universal account interest rate is also 2.75%, and the income belongs to a higher grade.
Only healthy people can be insured online, and offline insurance for unhealthy people is limited to group insurance.
On the whole,
Among the two kinds of tax-preferential health insurance that individuals can buy,
I recommend Minsheng Wellcome Insurance.
The advantages are clear at a glance: unlimited coverage, unlimited coverage, and good coverage and income.
But as of the time of writing,
All insurance channels of this insurance have been closed, and whether it will be opened in the future is unknown.
At present, we can only choose A 1 of personal tax excellent health insurance of Pacific Life.
Multi-comb,
I won't talk about group insurance one by one.
I only list one group insurance that can be sold at present for your reference.
Choose group insurance,
Pay attention to several points:
Scope of drug use: From the purchase demand of tax premium insurance-the need of medical insurance, it can be seen that the national orientation of tax premium insurance is a supplement to medical insurance.
After the completion of medical insurance reimbursement, those who still have some expenses not covered and have no commercial insurance can continue to use tax-excellent health insurance reimbursement.
Therefore, we must pay attention to the scope of reimbursement when buying tax premium insurance, and it is best to choose the one that is not limited to the scope of medical insurance.
In addition, even if the scope of medical insurance reimbursement is not limited, some tax-excellent health insurance will make a list to limit the drugs that can be reimbursed or not.
At present, reimbursement is within the scope of the best medical insurance, and it is not limited outside the scope.
Thirdly, reimbursement within the scope of medical insurance, reimbursement of cancer-targeted drugs outside medical insurance,
Thirdly, the scope of medical insurance is reimbursed, and drugs that are not reimbursed are listed outside medical insurance.
Thirdly, the reimbursement of the scope of medical insurance and the drugs that can be reimbursed are listed outside medical insurance.
The last time was to reimburse only drugs covered by medical insurance.
If you want to choose, choose the best.
Coverage: the annual reimbursement limit of tax-excellent health insurance for general healthy people is 200,000, and the lifetime reimbursement limit is 800,000.
Generally speaking, the annual quota for patients with diseases is 40,000, and the lifetime quota is 1.5 million.
However, some insurance companies will adjust the insurance coverage for healthy people, and the annual insurance coverage can be increased to 300,000, and the lifetime insurance coverage can be increased to1.20,000.
Under the same conditions, you can choose a higher amount of insurance.
Renewal age: in addition to adjusting the amount of tax-excellent health insurance, insurance companies will also increase their guarantee renewal age.
The maximum guarantee for renewal is 75 years old. Because the older you get, the higher the risk of serious illness. If we can meet this kind of tax preferential insurance,
On the basis that the scope of medication is ok, try to choose one that guarantees a longer renewal time.
The rest, the premium is not important, because it's all 2400,
The income of universal account is not important, and the level does not affect our premium payment.
Moreover, the general account income of this kind of insurance is not high as a whole, and it cannot be expected to bring much income in the future.
The right to increase the insured amount without indemnity can only be considered if the first three important points are met.
According to the selection method of tax-excellent health insurance,
At present, Wu Dong Life's personal tax excellent health insurance A is recommended.
Because, like Minsheng Wellcome, the scope of external use of medical insurance and targeted drugs is not limited.
This is more important, and it has been done in Wu Dong and people's livelihood.
Secondly, for healthy people, the life insurance coverage of Soochow Health Insurance can be increased to 654.38+00,000.
Although the guaranteed interest rate of universal account is not written in the contract, the annual payment of 2400 is unchanged.
As long as we get the corresponding protection and do not affect our expenses.
Of course, no matter how bad it is, you can choose his Wu Dong Life Personal Tax Premium Health Insurance A 1.
There is little difference between the two, except that the scope of drug use of A 1 is a negative list, and only those on the negative list are not compensated, and all others are compensated.
A little better than the positive list.
Accustomed to the richness and prosperity of a metropolis, it is like walking in the sun.
It is difficult for people to notice the dark corner of society, and the state has introduced tax-excellent medical insurance.
It is also a measure to benefit the country and the people.
Even if there are many fly in the ointment, we should be tolerant enough.
If you are lucky, have an objective income and are in good health,
Welcome to consult.
Above.
More insurance configurations, welcome to pay attention to big money, and save half the money by buying insurance.