Personal tax priority health insurance responsibility

First, based on fairness, because the state's preferential tax policies are aimed at all taxpayers, that is to say, as long as taxpayers can buy personal tax-excellent health insurance products, insurance companies cannot refuse insurance; Secondly, based on the industry's initiative to assume social responsibility, the state gives preferential tax policies to the insurance industry, which actually transfers certain fiscal revenue to the insurance industry. The insurance industry should take the initiative to assume the social responsibility of reducing the medical burden and serving the medical reform, so that all risks are guaranteed.

Two, personal tax excellent health insurance products use universal insurance, including medical insurance and personal account accumulation. According to reports, the reason for setting up a personal account is that it is conducive to attracting more young people to insure and allowing more people to enjoy the preferential policies of the country; Second, it can accumulate a sum of medical expenses for the insured and reduce the medical burden of the insured after retirement.

Third, medical insurance is simple, and the proportion of compensation should not be less than 80%. If the simple payout ratio of medical insurance is less than 80%, the difference will be returned to the personal accounts of all insured persons. It is reported that this provision is mainly to urge insurance companies to strengthen compensation management and make full compensation, so that the insured can benefit to the greatest extent.

Tip: Personal tax-excellent health insurance products will be policy products between basic medical insurance and pure commercial insurance. Personal tax preferential health insurance is designed as medical insurance. It is hoped that through personal tax preferential policies, the shortage of medical expenses in basic medical insurance and supplementary medical insurance will be further solved, and more people will benefit.

Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.