What is tax excellent health insurance?

Tax preferential health insurance is personal tax preferential health insurance. This kind of insurance is generally a one-year medical insurance plus a universal account. The insured needs to pay the premium in accordance with the regulations every year in order to enjoy pre-tax deduction, medical insurance, reimbursement of self-funded drugs without compensation, and guarantee renewal until the age of 65.

The purchase method of tax excellent health insurance is:

1. If the insurance company supports personal purchase, you only need to bring valid identification to the insurance company to find a salesman to buy personal tax excellent health insurance;

2. If the insurance company does not support individual purchase, it can only be purchased through enterprises, then the unit needs to organize insurance in a unified way, and the individual will pay the fee voluntarily.

The purchase conditions of tax excellent health insurance are:

1, the insured age of tax-excellent health insurance is 16 years old and before the statutory retirement age, and must be a taxpayer paying taxes to the state;

2. Tax-excellent health insurance generally sets the insured amount limit according to the insurance liability of different situations;

3. Tax-excellent health insurance mainly requires unit insurance.

To sum up, tax-excellent health insurance does not restrict the use of social security drugs, but allows the insured to take out insurance despite illness. Tax-excellent health insurance is supported by the state, so it is still trustworthy. If there is a demand, you can choose whether you need insurance after you have a clear understanding.

Legal basis:

Article 7 of the Interim Measures for the Administration of Personal Tax Preferential Health Insurance Business

The design of personal tax-excellent health insurance products should follow the principles of giving priority to protection, reasonable pricing and low-profit operation.

Article 8

An insurance company shall operate personal tax premium health insurance in accordance with the requirements of long-term health insurance, and shall not refuse insurance because of the insured's past medical history, and guarantee renewal.

Article 9

Tax-excellent health insurance products adopt universal insurance, including medical insurance and personal account accumulation.

Medical insurance should be connected with basic medical insurance and supplementary medical insurance to compensate the insured for his own medical expenses after compensation by basic medical insurance and supplementary medical insurance. The medical expenses of the insured shall not be reimbursed repeatedly. Personal account accumulation can only be used to purchase commercial health insurance and medical expenses after personal retirement.