What is the biggest difference between tax-excellent health insurance and ordinary health insurance?
1 Can I get sickness insurance?
Tax health insurance can be insured in spite of illness, which is friendly to some people suffering from diseases and the elderly. Ordinary health insurance is often not allowed to cover diseases, and general health notification will not pass.
2 is it tax deductible?
Since August 1, tax-excellent health insurance can deduct personal income tax, with a monthly 200 yuan (2,400 yuan a year), while ordinary health insurance has no tax deduction function.
3 Different insurance coverage.
The insured of tax health insurance can be the insured, spouse, children or parents, while ordinary health insurance will have more restrictions.
Is there a waiting period?
Tax health insurance has no waiting period. Once the purchase is successful, the insurance will take effect. Ordinary health insurance often has a waiting period of 90 days or 180 days, which is not guaranteed.
5 is there a renewal guarantee?
Tax health insurance guarantees renewal. In its insurance contract, it will clearly state "guarantee renewal", which can generally be renewed to the statutory retirement age. Moreover, many ordinary health insurances do not guarantee renewal, or the time to ensure renewal is not that long.
6 different purchase thresholds
The purchase threshold of tax health insurance is relatively high, and it must be a person before retirement 16- or above, and it is required to pay taxes continuously for more than one year and have basic medical insurance. Three conditions are indispensable. The purchase threshold of ordinary health insurance is often not so high, and it can be insured at the right age without disease.
The above are some differences between tax health insurance and ordinary health insurance, I hope I can help you.