Commercial health insurance tax priority identification code

The tax preferential identification code is a digital identification code printed on the personal policy certificate by the commercial health insurance information platform according to the principle of one person, one bill and one yard. The tax preference identification code is generally 18 digits. At present, commercial health insurance with preferential tax policies mainly covers sickness insurance and medical insurance. Commercial health insurance refers to the expenses of individual residents purchasing qualified commercial health insurance products, which are allowed to be deducted before tax when calculating taxable income. The deduction limit is 2400 yuan/year (200 yuan/month).

1. Compared with general health insurance, personal tax premium health insurance has the following three advantages:

1, you can take out insurance in case of illness, and there is no waiting period.

Personal tax excellent health insurance supports sickness insurance, which can be used immediately after the policy takes effect. There is no waiting period, even if you already have chronic diseases such as hypertension and diabetes, you can apply for insurance immediately. It can be seen that buying this product is very beneficial to people with medical history!

2. It can be used for tax deduction.

Personal tax excellent health insurance can be deducted before tax like special additional deductions (three insurances and one gold) and special additional deductions (children's education, elderly support, rent and mortgage, etc.). ), the annual cumulative limit of 2400 yuan. For people with relatively low income and a tax rate of 3%, 72 yuan's tax can be saved in one year; For people with higher income and 45% tax rate, they can save 1080 yuan a year.

3. Guaranteed updates

We all know that the vast majority of medical insurance in the market are not guaranteed renewal products, while personal tax excellent health insurance is a real guarantee renewal, which can generally guarantee renewal to the statutory retirement age (male 60 years old, female 55 years old), and some products can be renewed to 75 years old.

2. Commercial health insurance, referred to as commercial health insurance for short, is an insurance that takes the insured's body as the subject matter to ensure that the insured can get compensation for direct expenses or indirect losses caused by diseases or accidents, including medical accident insurance, disease insurance, medical insurance, income security insurance and long-term care insurance. Sickness insurance refers to insurance with the occurrence of diseases as the payment condition; Medical insurance refers to insurance with the occurrence of agreed medical treatment as the payment condition; Income security insurance refers to insurance that pays insurance benefits on the condition that income is interrupted or reduced due to accidental injury or illness; Long-term care insurance refers to insurance that requires care due to accidental injury or illness. Commercial health insurance for short.