Enterprise annuity, as the second pillar. It is bought by the unit or company for employees as welfare and supplementary pension. Enterprise annuity is partially tax-free. If there is an enterprise annuity, the deduction is handled by the unit and does not need to be handled separately.
2. Tax-excellent health insurance
Tax-based medical care is a national welfare policy, which is underwritten by commercial insurance companies. It is mainly aimed at people who have past diseases and cannot buy commercial insurance. Almost a loss-making business, insurance companies have no incentive to promote it.
At the same time, for healthy people, the guarantee time is not long enough, the insurance amount is not high enough, and the scope of protection is narrow; For people with past diseases, you can buy it, but the insurance amount is not high enough. Moreover, it is difficult for individuals to buy, and it is often insured by groups.
3. Tax-deferred pension insurance
Pension insurance tax extension is not completely tax-free. Instead, you don't pay taxes when you buy it, and you pay taxes when you collect it later.
At the time of purchase, 6% of the annual income can be charged before tax, and the maximum pre-tax charge is not more than 1000 yuan. The income before collection is not taxed, and it will be taxed according to a certain proportion later.
At present, it is piloted in Shanghai, Fujian and Suzhou industrial parks.
Friends in non-pilot areas do not participate. If friends in the pilot area are confused, a simple way to judge is to see if there is a "tax-deferred preferential type".