Tax Advantage Health Insurance Policy Document, What is Tax Advantage Health Insurance

Tax-advantaged health insurance is a tax-advantaged health insurance for individuals. This kind of insurance is generally a one-year medical insurance plus a universal account, the policyholder needs to pay the premium every year in accordance with the regulations, so as to enjoy the pre-tax deduction, medical insurance, no deductible can be reimbursed for self-financed drugs, guaranteed renewal until the age of 65.

Tax-advantaged health insurance can be purchased by:

1. If the insurance company supports individual purchase, you only need to bring a valid identity certificate to the insurance company to find a salesman to purchase the tax-advantaged health insurance applicable to the individual;

2. If the insurance company does not support individual purchase, and can only purchase through enterprises, then it is necessary for the unit to organize the insurance and the individual to pay the premium.

The conditions for purchasing tax-advantaged health insurance are:

1. The age of the tax-advantaged health insurance is stipulated to be 16 years old to the statutory retirement age, and the taxpayer must pay taxes to the state;

2. Tax-advantaged health insurance generally sets a limit on the amount of insurance according to the insurance liability in different circumstances;

3. Tax-advantaged health insurance mainly needs to be insured by the unit.

To sum up, tax-advantaged health insurance does not count and limit the use of social insurance drugs, and allows the insured to take out insurance while sick. Tax-advantaged health insurance is supported by the state, so it is still more trustworthy, and if there is a need, you can choose whether you need to take out insurance after understanding it clearly.

Legal basis]:

Article 7 of the Interim Measures for the Administration of Individual Tax Preferential Health Insurance Business.

The design of individual tax-advantaged health insurance products should follow the principles of protection-oriented, reasonable pricing, and low-profit operation.

Article 8 The insurance company shall operate individual tax-advantaged health insurance in accordance with the requirements of long-term health insurance, and shall not refuse insurance due to the insured's past medical history, and shall guarantee the renewal of the insurance.

Article 9 The tax-advantaged health insurance product adopts the form of universal insurance, including medical insurance and personal account accumulation.

Medical insurance should be linked with basic medical insurance and supplementary medical insurance, and used to compensate the insured for the medical expenses borne by the insured after being compensated by basic medical insurance and supplementary medical insurance. The medical expenses of the insured person shall not be reimbursed twice. Personal account accumulation can only be used to purchase commercial health insurance and personal out-of-pocket medical expenses after retirement.

Individual tax preferential health insurance is a new policy jointly issued by the Ministry of Finance, the State Administration of Taxation and the China Insurance Regulatory Commission last year to encourage the purchase of health insurance by calculating the relevant insurance costs before individual income tax, that is, the expenditure of individuals to purchase health insurance products that meet the requirements will be deducted before individual income tax according to the annual limit of 2,400 yuan. To put it simply, the current personal income tax threshold is 3,500 yuan, and if the premium for commercial health insurance purchased by individuals reaches 2,400 yuan, the personal income tax threshold will be raised to 3,700 yuan.

Extended reading: [Insurance] How to buy, which one is better, teach you to avoid these insurance"pits"

Details of tax-advantaged health insurance are as follows:

Tax-advantaged health insurance is a kind of medical and health insurance jointly launched by the state and insurance companies, and is a welfare policy launched by the state to improve people's livelihood. For users who have applied for tax-advantaged health insurance, the premium can be used to deduct individual income tax. Tax-advantaged health insurance is generally a one-year medical insurance plus a universal account, which allows the policyholder to take out insurance while sick and can be guaranteed to renew.

Commercial health insurance is an insurance morning sock that takes the body of the insured as the subject of insurance and guarantees that the insured is compensated for direct expenses or indirect losses caused by illness or accidents, including sickness insurance, medical insurance, income protection insurance and long-term care insurance. Sickness insurance refers to insurance that is conditional on the occurrence of illness; Medical insurance refers to insurance that is conditional on the occurrence of agreed medical treatment; Income protection insurance refers to insurance that is subject to the interruption or reduction of income due to accidental injury or illness; Long-term care insurance refers to insurance that requires nursing care due to accidental injury or illness.

Laws and Regulations

Insurance Law of the People's Republic of China

Article 2 The term "insurance" as used in this Law refers to the commercial insurance behavior in which the insured pays insurance premiums to the insurer in accordance with the contract, and the insurer bears the responsibility for compensating for the property losses caused by the occurrence of accidents that may occur as agreed in the contract, or bears the responsibility for paying insurance money when the insured dies, is disabled, becomes ill, or reaches the age and time limit agreed in the contract. Article 3 This Law shall apply to insurance activities within the territory of the People's Republic of China. Article 4 Insurance activities must comply with laws and administrative regulations, respect social morality, and must not harm the public interest.

Article 8 The insurance industry, the banking, the first industry, and the trust industry shall be operated and managed separately, and the insurance company shall be established separately from the banking, the first and the trust business institutions. Except as otherwise provided by the state. Article 10 An insurance contract is an agreement between the policyholder and the insurer on the relationship of insurance rights and obligations.

The policyholder refers to the person who has entered into an insurance contract with the insurer and has the obligation to pay the insurance premium in accordance with the contract.

An insurer refers to an insurance company that enters into an insurance contract with the policyholder and bears the responsibility of compensation or payment of insurance money in accordance with the contract.

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Now that company can buy tax-advantaged health insurance, how to buy it.

Hello, tax-advantaged health insurance insurance conditions: tax-advantaged health insurance is a public welfare health insurance launched for taxpayers who are in good health and refer to the use of Weiluchang commercial health insurance tax preferential policies, and must have paid tax for one year at the time of insurance, and have participated in medical insurance or publicly-funded medical treatment, support sick insurance, but pre-existing conditions should be truthfully informed.

Which company can buy it at the moment.

Hello, in addition, tax-advantaged health insurance supports individual insurance and unit insurance, individual insurance procedures are complicated, it is more difficult to operate, it is best to buy through the unit.

Hello, tax preferential health insurance includes Sunshine Life, Taikang Life, Chinese People's Health Insurance Shares****, Chinese Life, Ping An Life, Xinhua Life, Taiping Life Insurance, Jianxin Life, Zhongyi People Sell Yu Shishou, Taiping Pension Insurance Shares ****. The above limb insurance companies can be purchased, thank you!