Tax-excellent commercial health insurance here refers to health insurance that can enjoy personal income tax reduction and exemption policy and is underwritten by commercial insurance companies.
It has aroused widespread concern because according to the policy, the insured can enjoy a pre-tax deduction of 2,400 yuan (monthly 200 yuan) after purchasing such products, which is equivalent to raising the monthly tax threshold from 3,500 yuan to 3,700 yuan.
We might as well know more about it. In terms of security responsibility, such products cover hospitalization and specific outpatient services, and protect hypertension, diabetes and coronary heart disease, the three most common chronic diseases; There is no deductible line when making claims, and the reimbursement rate is high. In addition, tax-excellent health insurance will not be refused because of the insured's past medical history and other reasons, and it can guarantee renewal-all of which can be said to give taxpayers a lot of room for national policies and benefits. It is worth noting that although there is not much difference in the basic form, there is still a gap in premiums and subtle terms of various tax-excellent health insurance products on the market. Here, it needs to be preliminarily sorted out for the reference of the majority of policyholders.
First of all, what kind of people can buy it? Where can I buy it?
According to the relevant regulations of the regulatory authorities, only those who pay taxes and have basic medical insurance can buy such products. Therefore, students and unpaid groups cannot buy such health insurance products. It is understood that at present, tax-excellent commercial health insurance has been piloted in at least 3 1 cities across the country, including Beijing, Shanghai, Tianjin and Chongqing. Some authoritative sources in the industry reminded that such products are marked with the words "personal tax excellent health insurance" and should be distinguished from ordinary commercial health insurance.
Secondly, does the older you get, the higher the premium?
It is reported that although the price of each product is different, the premium will increase with age. According to the policy, the insured age of tax-excellent commercial health insurance is 16-75 years old, and the premium will increase correspondingly every five years. This is also because the higher the age, the higher the possibility of payment.
Third, can supplementary medical care reduce the premium of tax-excellent health insurance?
According to reports, at present, most companies' tax-excellent health insurance products are mainly divided into "basic models" and "upgrade models", and they are differentiated according to the size of insurance coverage and the content of value-added services: the larger the scope of claims, the more value-added services, and the higher the premium price. However, the insured price of individuals with supplementary medical care and those without supplementary medical care should be very different. According to industry insiders, this is because both personal medical insurance and supplementary medical care can cover a part of medical insurance, which will be exempted from tax-excellent commercial health insurance to avoid the problem of repeated payment.
In addition, it is worth mentioning whether cancer can be insured?
This time, the regulatory authorities divided the products into "basic models" and "upgrade models", and also took care of the insured with special needs for major diseases. For example, Taikang Life Insurance's products exceed the payment scope stipulated by local basic medical insurance for hospitalization expenses and common tumor-targeting drugs, vascular stents, PET-CT and heating and cooling expenses in local ambulance expenses. Although the premium of the upgraded version is slightly higher, the scope of use includes cancer, various chronic diseases and other serious diseases, especially in terms of tariff drugs and materials. The insurance policy will include all expenses outside the scope of basic medical insurance into the reimbursement system.