According to the notice of the three ministries and commissions, the expenses of individuals purchasing commercial health insurance products that meet the requirements are allowed to be deducted before tax when calculating the taxable income of the current year (month), and the deduction limit is 2400 yuan/year (200 yuan/month). The cost of purchasing commercial health insurance products that meet the requirements for employees shall be included in the employees' personal wages and salaries, regarded as individual purchases, and deducted according to the above limits.
Song Fuxing, Chairman of Insurance Association of China Health Insurance Committee: After the basic insurance is guaranteed by the state, some of it is not reported in the catalogue, so you should solve this problem through commercial health insurance. I will reimburse you in full in the basic catalogue and 80% outside the catalogue, which greatly improves the security level of ordinary people. It is understood that the tax-excellent health insurance policy has been piloted in more than 30 cities across the country since last year. According to the information released by the China Insurance Regulatory Commission, the actual reimbursement rate of tax-excellent health insurance consumers in the pilot areas increased by an average of 26 percentage points.
At present, the premium income is about 654.38+0.5 billion, and the coverage of more than 30 pilot cities is obviously too small. Since it is a welfare system for ordinary people, it should be introduced as soon as possible to benefit more ordinary people.