The advantage of tax incentives is that they can protect past diseases, but the amount of insurance is limited to 40 thousand. Moreover, it can only cover the actual retirement age and the date when the legal retirement age first reaches, so the company is collectively insured.
Tax-excellent health insurance that individuals can buy by themselves has only been seen in the Pacific for the time being, and others have not been seen yet.
Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.