Individual taxpayers, the annual tax credit of 2400 yuan is not attractive enough. Due to the strict requirements of refusing insurance and renewing insurance due to illness, the simple payout ratio of insurance companies is not less than 80%, and the insured will not be forced to change insurance companies, so the market development willingness of enterprises is also very small. In terms of the amount of savings that every citizen is most concerned about every year. The monthly pre-tax salary of enterprise employees is 6,543,800 yuan, of which the basic old-age insurance premium, basic medical insurance premium, unemployment insurance premium and housing accumulation fund paid by individuals according to individual tax standards are 300 yuan. From July 2065438 to July 2007, Zhang purchased a taxable health insurance with an annual premium of 3,600 yuan. According to the latest policy, Zhang's monthly income tax is equal to (7000-3700) *10%-105 = 225 yuan, which is less than the previous monthly tax paid by 20 yuan. The total income tax paid in one year is.
Even if you calculate the maximum amount, deduct it? Five insurances and one gold? After that, the annual income of employees in the enterprise is more than 83,500 yuan, and the personal income tax can only be saved at most 1080 yuan a year, and it can only be enjoyed after employees apply. Considering the complexity of life insurance, the monthly discount in 20 yuan is unlikely to impress consumers.
From the enterprise's point of view, even if individuals buy tax-preferential health insurance, or enterprises participate in tax-preferential health insurance for employees, there are still cases where they fail to declare pre-tax deduction to the tax authorities after joining the insurance. Relevant personnel of the tax department also told the reporter that because individuals are willing to buy health care products with excellent tax, new insured persons need enterprises to complete their personal income tax deduction separately. Due to the complexity of business health insurance accounting and tax operation provided by enterprises for employees, enterprises may also lack management motivation due to the increase of workload. At present, there is no data connection between the systems of tax authorities and insurance supervision departments. We call for the establishment of an information sharing platform between the two departments as soon as possible to simplify business operations and realize automatic identification of policyholders and tax reduction and exemption.