Do you know what conditions need to be met to insure tax-excellent health insurance in spite of illness?

Personal tax preferential health insurance, referred to as tax preferential health insurance. The so-called personal health insurance tax preference refers to the part that taxpayers can deduct before tax in the current year (month) after purchasing commercial health insurance. In short, the insured can pay less tax after purchasing such products, which is equivalent to buying medical insurance for himself at a lower price.

As a kind of insurance that has not been launched for a long time, tax preferential health insurance has its own characteristics and advantages.

1. Permitted to guarantee renewal of illness insurance: The Interim Measures for the Administration of Personal Tax Preferential Health Insurance issued by the CIRC stipulates that an insurance company shall not refuse insurance because of the insured's past medical history and guarantee renewal, which is different from general commercial medical care insurance products.

2. Both tax relief and savings functions: the insured who purchases tax preferential health insurance can enjoy the pre-tax deduction benefit of 2,400 yuan per year (monthly 200 yuan), which is equivalent to raising the personal income tax threshold from 3,500 yuan to 3,700 yuan per month; The insured pays a fixed 2400 yuan every year. After deducting the risk premium of the current year, the remaining funds will enter the general account for interest-bearing savings.

What are the restrictions on tax preferential health insurance?

1. Insurance age and crowd restrictions: Although this health insurance product is an insurance product that guarantees renewal, its insurance age is16-it does not meet the statutory retirement age and must be a taxpayer who pays taxes to the country.

2. Limit of insurance coverage: Tax-preferential health insurance sets the insurance premium limit standard according to different insurance responsibilities. For the insured who did not suffer from previous diseases at the time of initial insurance, the compensation limit for accumulated medical expenses during the renewal period is 800,000; When applying for insurance for the first time, the total number of insured persons with existing diseases was 1.5 million;

3. The process of individual insurance and tax credit is long: At present, tax preferential health insurance is mainly insured by the unit. If individuals want to buy, they need to find their own units. Tax department. Ministry of social security. The procedures of insurance companies and other departments are very complicated.