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Tax-excellent health insurance pilot city
(1) Four municipalities directly under the Central Government: Beijing, Shanghai, Tianjin and Chongqing.
(2) Provincial capital cities: Shijiazhuang in Hebei Province, Taiyuan in Shanxi Province, Hohhot in Inner Mongolia Autonomous Region, Shenyang in Liaoning Province, Changchun in Jilin Province, Fuzhou in Heilongjiang Province, Nanchang in Fujian Province, Zhengzhou in Jiangxi Province, Henan Province (including gongyi city), Wuhan in Hubei Province, Guangzhou in Guangdong Province, Nanning in Guangxi Zhuang Autonomous Region, Haikou in Hainan Province, Chengdu in Sichuan Province, Guiyang in Guizhou Province and Lhasa in Xizang Autonomous Region.
(3) Non-provincial capital cities: Suzhou City, Jiangsu Province, Ningbo City, Zhejiang Province, Wuhu City, Anhui Province, Qingdao City, Shandong Province, Zhuzhou City, Hunan Province, Qujing City, Yunnan Province, Baoji City, Shaanxi Province, and Korla City, Xinjiang Uygur Autonomous Region.
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Which companies are eligible to participate?
(1) The application for personal tax preferential health insurance business shall be approved and publicized by the CIRC;
(2) Excellent health insurance products for tax declaration are approved by the CIRC.
At present, there are 12 companies that have obtained tax-excellent health insurance business qualifications.
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Tax excellent health insurance pilot product
Tax excellent health insurance must meet the following characteristics:
(1) The company's related business needs the approval of the China Insurance Regulatory Commission and publicity;
(2) After obtaining the qualification for approval, the relevant types of insurance shall be approved by the CIRC;
(3) Universal type-the product form needs a universal account of the guarantee company, and the minimum guaranteed income is set;
(4) Insurance against illness is allowed-tax-excellent health insurance needs to be renewed, and insurance cannot be refused because of the insured's past medical history;
At present, the pilot products are only for medical insurance.
According to these three target groups, China Insurance Regulatory Commission has designed three types of tax preferential health insurance products in the tax preferential model clauses.
Class A: "having medical insurance+hospitalization and outpatient service+specific outpatient service+chronic disease";
Class B: "having medical insurance+hospitalization and outpatient service+specific outpatient service";
Class C: "No medical insurance+hospitalization and outpatient service+specific outpatient service+chronic disease"
The first three insurance companies with business qualifications provided six products.
It should also be noted that taxpayers without social security have no substitute products.
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Tax-excellent health insurance pilot population
Individuals who have obtained wages, salaries and continuous labor remuneration in the pilot areas, as well as owners of individual industrial and commercial households, investors of sole proprietorship enterprises, partners of partnership enterprises and contractors of enterprises and institutions who have obtained income from the production and operation of individual industrial and commercial households.