Is this insurance suitable for you? What are the benefits? What are the "stalks"?
What you need to know.
What is tax excellent health insurance?
A health insurance product that can deduct a tax is called "tax-excellent health insurance", which is equivalent to increasing the monthly tax threshold from 3,500 yuan to 3,700 yuan after buying insurance.
Who applied?
Taxpayers who apply the preferential tax policies for commercial health insurance refer to individuals who receive wages, salaries and continuous labor remuneration, as well as owners of individual industrial and commercial households, sole investors, individual partners and contractors who receive income from the production and operation of individual industrial and commercial households and the contracting and leasing operations of enterprises and institutions.
Income from continuous labor remuneration refers to the income obtained by individuals who provide services for the same unit for more than 3 months (including 3 months).
How much tax is deducted?
Nationwide, the expenses of individuals purchasing commercial health insurance products that meet the requirements are allowed to be deducted before tax when calculating taxable income in the current year (month), and the deduction limit is 2400 yuan/year (200 yuan/month). Equivalent, the monthly tax threshold rose from 3,500 yuan to 3,700 yuan.
How much can D save?
Take Xiao Zhang, who earns 5000 yuan a month. The tax threshold is 3500 yuan. If he participates in tax-excellent health insurance, the threshold will be raised to 3700 yuan. According to the tax rate of 3%, he will pay 6 yuan less every month and save 72 yuan every year.
What's so good about the terms?
In addition to the "excellent tax", this insurance itself has many benefits. Teacher Ling Yan from the Department of Risk Management and Insurance of Peking University University of Economics said that tax-excellent health insurance has three major advantages:
-"low threshold": the insured shall not refuse insurance because of his past medical history, and guarantee to renew insurance.
-"Cost-effective ratio": The requirement is simple: payout ratio is not less than 80%, that is, the proportion of compensation is not less than 80% of premium income.
-"Compensation for serious illness": universal insurance is adopted, including medical insurance and personal account accumulation. All insurances have investment functions, and insurance companies invest and manage wealth on their behalf. The accumulated amount can be used to buy commercial health insurance at retirement.
However, Mr. Locke pointed out that the profitability of commercial health insurance companies is far less optimistic than expected. By the end of May, 2065438+2006, the average profit of the first batch of major insurance companies approved for commercial health insurance business was only1100,000 yuan, with a maximum of 2 million yuan. There are four factors that make consumers "tired or not".
-You can buy it if you don't want to. At present, 3 1 city has launched a pilot program of tax-excellent commercial health insurance. Buyers can only be taxpayers who have participated in social medical insurance, and the purchase method is usually group insurance.
-tax incentives are relatively small. For taxpayers with low income level, the tax advantage of purchasing commercial health insurance is very small, which is not enough to motivate them to buy. In contrast, middle-and high-income taxpayers are relatively more suitable to buy personal tax-excellent health insurance. However, the upper limit of tax incentives is 2400 yuan/year, which is slightly conservative.
-The purchase procedure makes people "tired". In particular, individuals who apply for insurance must first go to the social security department to issue certificates, and then go to the tax department to issue personal income tax payment certificates, health certificates, tax returns, etc. Finally, go to the insurance company counter.
What is the difference between tax-excellent health insurance, basic health insurance and critical illness insurance?
Tax-excellent health insurance has advantages and disadvantages. Should I buy it? How is it different from other insurances? Guoce Jun invited Mr. Yao Yi from the Department of Risk Management and Insurance of Peking University University of Economics to show you their differences:
Tax excellent health insurance VS basic health insurance?
-Tax preferential health insurance can further reduce the burden of personal payment. Basic medical insurance has "three types" restrictions and corresponding self-payment ratio constraints, so the actual reimbursement ratio is usually much lower than 100%. Commercial supplementary medical insurance can bear the part paid by individuals on the basis of basic medical insurance, while tax-excellent health insurance can further reduce the burden paid by individuals on the basis of both.
-Tax-excellent health insurance covers a wide range of responsibilities, including hospitalization expenses, outpatient medical expenses before and after hospitalization, outpatient expenses reimbursement for six specific diseases (radiotherapy for malignant tumor, intravenous chemotherapy for malignant tumor, hemodialysis, peritoneal dialysis, anti-rejection treatment after kidney transplantation or treatment for cirrhosis) and outpatient expenses reimbursement for three chronic diseases (diabetes, hypertension and coronary heart disease).
This national policy should be devoted to raising chestnuts first. According to the compensation cases of PICC Health Insurance, Sunshine Insurance and other companies, after the second claim of tax-excellent health insurance, the proportion of individual self-payment generally decreased from 40% to 2%-5%, and the burden of medical expenses was greatly reduced.
For example, in March last year, Ms. Chen took out PICC Health Tax Premium Insurance with an annual premium of 1740 yuan. In April, I was hospitalized for 7 days, and the medical expenses were 5720.8 yuan. The basic medical insurance and commercial supplementary medical insurance paid 4598.4 yuan, but she actually paid 1 122.4 yuan. After the second claim of tax-excellent health insurance, her out-of-pocket expenses were only 28.94 yuan, accounting for 0.5 1% of the total medical expenses. Therefore, this kind of tax-excellent health insurance can save a lot of money when used together with other insurances!
Tax excellent health insurance VS critical illness insurance?
-Corresponding to different types of health risks: the payment amount of tax-excellent health insurance is linked to medical expenses, and the current annual insurance amount is up to 200,000. The critical illness insurance is aimed at major diseases (which may also include some minor compensation), and the insured amount is usually high, and the compensation amount is agreed in advance. As long as a certain disease is diagnosed for the first time during the insurance period, regardless of whether medical expenses (and their amount) occur, it will be paid.
-Claims are complementary: many diseases, such as cancer in situ, cannot get critical illness insurance claims. However, after being insured with tax-excellent health insurance, you can get compensation as long as you are hospitalized.
How to push tax-excellent health insurance?
Carrying out tax preferential health insurance can not only improve the medical security level of the whole taxpayer group, but also reduce the pressure of national social medical insurance. Although the tax-excellent health insurance is tepid at present, the prospect is still worth looking forward to-from 20 12, China's health insurance entered a stage of rapid development and became the fastest growing sector in the insurance industry. So how should tax-excellent health insurance be pushed?
Dr. Qin Yun, Department of Risk Management and Insurance, Peking University University of Economics, believes that there are three points that need to be emphasized in the current tax-excellent health insurance:
-appropriately expand the groups of buyers and insured persons, which can be extended to eligible taxpayer families. Family members of taxpayers can enjoy medical insurance as long as they meet the purchase conditions other than tax payment stipulated in the tax-excellent health insurance, such as participating in social medical insurance, age, etc.
-Simplify individual purchase procedures and break the purchase barrier of "group insurance". At present, most tax-excellent health insurance is insured by the unit, and the purchase procedures of personal tax-excellent health insurance are cumbersome, so the insurance process should be simplified.
-attach importance to innovation. Personal tax premium health insurance should be distinguished from social medical insurance and other supplementary medical insurance products in product design, so as to attract buyers with the products themselves, thus reducing the "crowding out" effect of social medical insurance and other supplementary medical insurance.
Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.