Since March this year, the first batch of "personal tax excellent health insurance" in China has been officially launched in pilot cities such as Beijing. As the first batch of approved pilot institutions, PICC Health, Sunshine Life Insurance and Taikang Pension have successively signed contracts with the units. However, if we go deep into the market and make a careful investigation, we will find a thought-provoking phenomenon in the market. Personal health care products with excellent tax can not be sold directly to individuals.
Judging from this name, "personal tax excellent health insurance" should belong to health insurance products sold to individuals, but at present, there are still some inconveniences for individuals to directly insure tax excellent health insurance.
Some individual consumers report that they fully meet the conditions and standards for purchasing personal tax-excellent health insurance. However, after contacting the insurance companies selling such products, they all got the answer of "only accepting collective contracts". Individuals did not introduce products or accept life insurance when calling insurance companies for telephone consultation or online inquiry. And not only can't buy it, but even there is no channel for consulting how to buy it.
According to the terms of the contract approved by the CIRC, it is clear that "all taxpayers who have reached the age of 16, are participating in public medical care or basic medical insurance at the time of insurance, are under the statutory retirement age at the time of insurance, and are determined to have no related diseases at the time of insurance can be the insured under this contract."
The voice of insurance company
In response to the above problems, Song Fuxing, president of PICC Health, explained: "Unified enterprise insurance can pay for the company, and the payment is faster. If it is an insurance, it needs to be declared once a year, which is relatively troublesome. Therefore, we suggest taking units as the mainstay. Of course, we will not refuse individual travelers. " It is understood that PICC Health, Sunshine Life Insurance and Taikang Pension, as the first approved insurance companies, have successively signed contracts with units for this business. All three insurance companies said that because of personal income tax deduction and other issues, the first batch of contracts were signed by corporate customers, and the next step was to accept individuals to buy products.
Official website, who opened the above three companies, can see that the product catalogue of Taikang Pension official website has 4 pages, among which there is no introduction of personal tax excellent health insurance; On PICC Health's website, personal tax premium health insurance can't be found on the next page of the catalogue of personal insurance and group insurance; The home page of Sunshine Life Network has the introduction of personal tax excellent health insurance, and provides the customer service telephone number.
The person in charge of Taikang Pension said that the tax-excellent health insurance products are currently purchased by the unit in a unified way, and the staff of Taikang Pension will assist the personnel department of the unit to complete the promotion of relevant tax-excellent products, the filling of insurance policies and information forms, and the filing of tax returns. In this process, Taikang pension and commercial health insurance information platform are connected in real time, and the tax priority identification code is generated according to the principle of "one person, one bill and one yard", which is indicated on the special documents.
The staff of Sunshine Insurance Customer Service Hotline said that the insurance company in Beijing has a special person in charge of personal tax excellent health insurance, but it really needs the human resources department of the unit to organize a "group purchase". The hotline staff also stressed that all employees of the unit are not required to buy, but "at least three people need to buy at the same time".
In view of the problem that individuals can't directly purchase personal tax-excellent health insurance at present, the further reply given by the relevant person in charge of PICC health shows that it is more convenient for the insured to insure tax-excellent health insurance products by the work unit at present. "If individuals insure tax-excellent health insurance products by themselves, they need to fill in the tax deduction application documents required by the tax authorities every month, and the procedures for surrender or transfer are relatively cumbersome." He suggested that it is convenient for the insured to handle insurance matters and handle personal monthly tax deduction on behalf of enterprises and institutions.