What are the products of tax excellent health insurance?
From August 1, 1, there will be more tax-excellent health insurance products. Medical insurance, long-term care insurance and sickness insurance will all be included in the scope of tax-excellent health insurance, but there are also requirements for their guarantee time. Among them, the medical insurance guarantee time or guarantee renewal time is not less than 3 years; Long-term care insurance and sickness insurance guarantee time shall not be less than 5 years.
In addition, tax-excellent health insurance can be bought not only for yourself, but also for parents, spouses or children, ensuring a wider crowd and being more friendly to some old patients and the elderly. Take medical insurance as an example. Insurance companies cannot refuse or exclude insurance because of their past medical history. For people with past diseases, insurance companies should formulate different protection schemes and make fair and reasonable pricing.
What are the advantages of tax-excellent health insurance?
1 There is no deductible, that is to say, as long as the payment conditions are met, you can pay.
There is no waiting period, and you can get the money the next day after purchase.
It can protect past diseases, that is, you can buy insurance to prevent illness without paying extra.
Guarantee renewal, the insurance period is as long as 20 years, and you can even retire. Most importantly, you don't have to worry about being refused to renew your contract because of your health.
Special and chronic disease clinics can be reimbursed, and these responsibilities are rarely included in the conventional medical insurance in the market, which is quite cost-effective.
6 you can declare personal pre-tax deduction on the personal income tax APP. It should be noted that how much tax you can reduce or exempt is related to your income. Generally speaking, the higher your income, the more tax you can save.
The above are some contents of tax excellent health insurance, I hope I can help you.