Taxpayers can receive tax red envelopes.
In the past, people used to use after-tax income to buy commercial health insurance, while tax-excellent health insurance, insurance costs will be charged before tax, that is, reducing the part that should pay a tax.
So, how big is this red envelope?
Taking Beijing as an example, suppose that the premium for purchasing tax-excellent health insurance is just 2400 yuan, and Bian Xiao's monthly salary before tax is 10000 yuan, which means that it is 20% cheaper to buy tax-excellent health insurance in disguise. The calculation process is as follows:
Pre-tax priority
Five insurances and one gold, 2220 yuan
The income tax payable is 4280 yuan.
The tax payable is 323 yuan.
After-tax salary is 7477 yuan
After-tax priority
Five insurances and one gold, 2220 yuan
Buy commercial tax excellent health insurance that month.
Annual payment of 2400 yuan is converted into 200 yuan every month.
The income tax payable is 4080 yuan.
The tax payable is 303 yuan.
After-tax salary is 7457 yuan
Annual tax saving, 240 yuan
How about insurance with less tax?
Tax-excellent health insurance can be insured against illness. As long as the taxpayer who has paid taxes continuously for one year is insured, the insurance company cannot refuse, but the annual payment ceiling is different from that of healthy people. In other words, in addition to medical insurance reimbursement, you can also use tax-excellent health insurance to bear part of your medical expenses.
After normal healthy people are insured with tax-excellent health insurance, the annual reimbursement amount is generally 200,000 yuan/year, and the total amount does not exceed 800,000 yuan. Once it exceeds 800,000 yuan, it will be automatically terminated and will not be renewed next year. If the applicant is insured when he is healthy, even if he suffers from a serious illness later, the insurance company shall not list the applicant as a seriously ill person when renewing the insurance, so as to reduce the annual reimbursement amount. It must also implement the reimbursement amount of 200,000 yuan per year and 800,000 yuan for a healthy person for life, and the insurance company shall not refuse to renew the insurance.
Tax-excellent health insurance takes the form of "medical insurance+personal account", and part of the premium paid is deposited into the universal account of the insured for preservation. Every insurance company will give a corresponding guaranteed interest rate to the annual interest of the funds in the account. When the insured retires and no longer pays taxes, he will not renew the bonded excellent health insurance. At this time, the personal account is activated, and the money accumulated for many years can continue to serve the insured. Generally speaking, there are two purposes, one is to buy commercial health insurance, and the other is to continue to spend money from the account as medical reimbursement expenses after illness.
Finally, tax-excellent health insurance has a wide coverage and a high degree of protection. For example, after the insured is insured, the insured's hospitalization expenses, outpatient expenses before and after hospitalization, specific outpatient treatment expenses and chronic disease treatment expenses can all be reimbursed. It was not covered by medical insurance before and cannot be reimbursed. Personal tax premium health insurance can be reimbursed 100% in the basic catalogue of medical insurance scope, 80% outside the catalogue, and the final payment ratio of individuals does not exceed 10%.
Although there are many benefits, it is hard to buy.
Tax-excellent commercial health insurance has been piloted in 3 1 city nationwide, including 27 cities including Beijing, Shanghai, Tianjin and Chongqing. If you are not in the pilot area, you cannot buy it.
According to the regulations, only customers who pay taxes and have basic medical insurance can buy such products, so students and taxpayers cannot enjoy such products. In many provinces, cities and second-and third-tier cities, the salary level of staff is simply below 3,500 yuan (tax threshold), and personal tax incentives are out of the question.
Insiders of insurance companies know all about the tax preferential policies and product guarantee functions of tax preferential health insurance, but when asked where and how to buy it, they can only end the topic by shaking their heads. They don't know where to buy it themselves.
A gentleman who intends to buy personal tax-excellent health insurance products said that it is very complicated for individuals to apply for tax-excellent health insurance. First, you need to get the social security certificate from the social security department. Then, you need to get the personal income tax payment certificate from the tax department, as well as the health certificate and tax declaration form ... Finally, you need to go to the counter of the insurance company. Add up to seven, seven, eight, eight, there are many procedures, especially some links, which are very troublesome for individuals to operate.
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