Social security is not covered, and commercial health insurance is needed to supplement it!
The premium of commercial health insurance is often different according to different types of insurance. If you choose consumer commercial health insurance, the insurance cost is often more affordable, usually only a few hundred yuan, and the health protection provided is often relatively complete. Generally, medical insurance, critical illness protection and hospitalization allowance protection are combined, but the protection period is often short, usually only one year. After the expiration, the insured needs to renew the insurance in time, otherwise it may lead to the disconnection of the insured's health protection. For example, the best-selling online medical treatment for adult diseases (including serious diseases) on the online of Baoge-China Life Insurance Edition, the premium is only 190 yuan per year, and the health protection provided covers hospitalization and major diseases, which is very cost-effective. How about China Life? I just sorted out the relevant contents, hoping to help you: How about China Life? Top Ten Life Insurance Products Ranking List!
Of course, if you buy commercial health insurance products that can be surrendered, the insurance cost will be relatively high, which requires not only the insured to pay for a long time, but also the annual payment will often be more than 1000 yuan, but the health protection period provided at the same time will be longer, most of which will cover the life of the insured, and provide the function of surrender or dividend, so that the insured can enjoy health protection and obtain certain insurance benefits.
Another example is the long-term care insurance in commercial health insurance, which often costs more. After all, it belongs to long-term insurance. The higher the basic insurance coverage, the shorter the payment period and the higher the total annual payment. For example, personal care insurance for serious illness, which is popular on the online of Bao Ge, can help the insured to get lifelong care insurance if you set the basic guarantee to a minimum of 65,438+10,000 yuan and extend the payment period to 20 years, so that the annual payment only needs 2,700 yuan, 100% guarantee, and can be returned without any insurance accident. How about PICC? I just sorted out the relevant contents, hoping to help you: What about PICC in China? PICC Top Ten Insurance Products List!
In addition, after the Notice of the China Insurance Regulatory Commission, the Ministry of Finance and State Taxation Administration of The People's Republic of China on Launching the Pilot Individual Income Tax Policy for Commercial Health Insurance is officially implemented, the general public can also enjoy tax incentives when purchasing commercial health insurance. According to the regulations, the expenses of individuals purchasing health insurance products that meet the requirements in the pilot area are deducted before personal income tax according to the limit standard of 2,400 yuan/year. Individuals who purchase health insurance products that meet the requirements by themselves shall provide insurance policy certificates to withholding units in a timely manner. The withholding unit shall make monthly deduction within the standard of not exceeding 200 yuan/month from the next month when the individual submits the policy certificate. The part of the premium exceeding 2400 yuan within one year shall not be deducted before tax. The above provisions shall apply in the following year or in the subsequent period. This provision is equivalent to raising the tax threshold in 200 yuan, provided that the insured is a taxpayer.
Bao Ge tip: How much is commercial health insurance? Consumer insurance premiums are only a few hundred yuan a year, while return insurance often costs several thousand yuan a year and needs to be paid for a long time. In addition, after the implementation of the tax preferential health insurance policy, the general public can also enjoy tax preferential policies by purchasing commercial health insurance and reduce their economic expenses.