Personal tax preferential health insurance, referred to as tax preferential health insurance. The so-called personal health insurance tax preference refers to the part that taxpayers can deduct before tax when calculating taxes in the current year (month) after purchasing commercial health insurance. Simply put, the insured can pay less tax after purchasing such products, which is equivalent to buying an extra medical insurance for himself at a lower price.
Second, what are the advantages of tax-excellent health insurance?
As a kind of insurance that has not been launched for a long time, tax-excellent health insurance has its own characteristics and benefits.
1. Allow "sickness insurance" to ensure renewal of insurance.
The Interim Measures for the Administration of Personal Tax Preferential Health Insurance issued by the CIRC stipulates that an insurance company shall not refuse to underwrite on the grounds of the insured's past medical history and guarantee renewal, which is different from general commercial medical and health insurance products. Which insurance company is stronger? I just sorted out the relevant content, hoping to help you: the latest list! Top Ten Insurance Companies in China
2, both tax relief and savings functions:
Insured who purchase tax-excellent health insurance can enjoy an annual pre-tax deduction of 2,400 yuan (monthly 200 yuan), which is equivalent to raising the monthly tax threshold from 3,500 yuan to 3,700 yuan; The insured pays a fixed annual fee of 2400 yuan. After deducting the annual risk premium, the remaining money goes into the universal account for interest-bearing savings.
3. What are the restrictions on tax-excellent health insurance?
1, age and population restrictions:
Although this health insurance product is an insurance product that guarantees renewal, its insurance age is 16 years old-below the statutory retirement age, and it must be a taxpayer who pays taxes to the state.
2. The insurance amount is limited:
Tax-excellent health insurance sets premium limit standards according to different insurance responsibilities. For the insured who did not suffer from previous diseases at the time of initial insurance, the cumulative medical expenses payment limit is 800,000 during the guarantee renewal period; The total limit of the insured who has suffered from previous diseases at the time of initial insurance is 654.38+0.5 million.
3. The process of personal insurance and tax relief is long:
At present, tax-excellent health insurance is mainly insured by the unit. If individuals want to buy, they need to go through the formalities in their own units, tax departments, social security departments, insurance companies and other departments, which is very cumbersome.
Generally speaking, although tax-excellent health insurance is not so perfect, it still has many bright spots. It is more suitable for people who have a serious chronic disease (such as diabetes) or cancer recovery and can't buy commercial insurance at all. Have chronic diseases or three high hepatitis B and other minor problems and don't know how to buy insurance? This strategy must be read: 9 categories and 39 kinds of physical abnormalities, disease insurance strategy!