If you want to buy personal tax excellent health insurance, you need to apply through your work unit. Moreover, at present, 12 insurance companies that are allowed to operate personal tax excellent health insurance require at least three people to jointly insure before underwriting. Therefore, tax-excellent health insurance must be purchased in groups.
According to the preferential tax policies for commercial health insurance, you can enjoy an annual reimbursement amount of 200,000 yuan and a lifetime insurance amount of 800,000 yuan. In addition, the characteristics of preferential tax health insurance, such as low rate, insurability in spite of illness and no refusal of insurance, make it look more advantageous than other commercial health insurance. Therefore, if you buy preferential tax health insurance, you can give yourself more protection, but if you want to make the protection more comprehensive, you still need to consider it comprehensively.
When purchasing tax-excellent health insurance, we should take into account the social security and commercial insurance that individuals already have, avoid repeated insurance, and make the protection more comprehensive. When choosing tax-excellent health insurance products, we also need to make more comparisons, because if there is supplementary commercial medical insurance, the payment for purchasing tax-excellent health insurance will be reduced accordingly.