How much does an individual pay for commercial insurance in a year?

The Municipal Local Taxation Bureau made a policy interpretation.

From this month, we will purchase commercial insurance.

The pilot policy of preferential individual income tax has been implemented in our city. The Municipal Local Taxation Bureau 12366** has recently received many inquiries from citizens about insurance deduction of individual income tax, and the Municipal Local Taxation Bureau has specially reminded that individuals can only enjoy the pre-tax deduction policy if they purchase commercial health insurance with a "tax preferential identification code".

According to the staff of the Municipal Local Taxation Bureau, there are three types of taxpayers who can enjoy this preferential tax policy: first, income from wages and salaries and income from continuous labor remuneration.

of individuals; The second is to obtain individual industrial and commercial households.

Taxpayers of production and business income (including sole proprietorship.

investors, partners in partnerships); The third is to obtain the income from contracting and leasing of enterprises and institutions. Among them, the income from continuous labor remuneration refers to the income obtained by an individual from providing labor services for the same unit for more than 3 consecutive months (including 3 months).

According to the provisions of the notice, the taxable income is allowed to be calculated in the current year (month) for the expenditure of individuals purchasing commercial health insurance products that meet the regulations.

The deduction limit is 2,400 yuan per year (200 yuan per month). The same applies to the unit's uniform purchase for employees. In other words, the original personal monthly income deducts five insurances and one housing fund.

After more than 3,500 yuan, you need to pay individual income tax.

If an individual has purchased commercial health insurance and the annual premium is not less than 2,400 yuan, then 2,400 yuan can be deducted before tax; If the annual premium is less than $2,400, there is also a pre-tax deduction equal to the premium paid. Take Mr. Wang, who works in an enterprise in our city, as an example, with a monthly salary of 10,000 yuan (after deducting five insurances and one housing fund), if he buys a large amount of personal tax preferential health insurance, then he can pay 40 yuan less tax per month, which is 480 yuan a year.

The Municipal Local Taxation Bureau reminds the public to pay attention to three points: first, if taxpayers obtain income items that are not within the policy provisions such as ** income, rent income, and royalty income, they cannot enjoy this preferential policy; Second, there is only the Insurance Regulatory Commission.

Only the approved tax-advantaged health insurance that has obtained the tax-advantaged identification code can be deducted from the individual income tax; Third, if an individual purchases a commercial health insurance product that meets the requirements, he or she shall provide the policy certificate to the withholding agent in a timely manner, and the withholding agent shall handle the pre-tax deduction for him in accordance with the law and shall not refuse.

In addition, if an individual obtains salary income from two or more places in China and purchases commercial health insurance on his own, he can only choose to deduct it in one place.

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

Hello, if you say this personal commercial insurance, it is about 100,000 a year. It depends on what type and grade of insurance you buy, I hope it will help you, and I wish you a happy life.

How much you have to pay a year for commercial insurance depends on the type of insurance you buy, the number of years you have paid and your age.

It is recommended that you find a more professional business person to develop a corresponding plan with you.

This is not the same type of insurance, and there are many types of insurance, which depends on what you buy to determine the price.

How much does an individual pay for commercial insurance in a year?It depends on what the purchase amount is? The higher the amount, the higher the fee will be, generally around 10,000 yuan.

How much does an individual pay for commercial insurance in a year?It depends on how much your insurance is, if they have a minimum insurance amount, you have to pay about 3,000 yuan a year!

How much does commercial insurance cost for working in Zhoushan for one year.

How much does it cost to buy commercial insurance for a year This should be determined according to the type of insurance you buy and your age There is a one-year card policy An accident card policy of more than 100 yuan a year; There are millions of medical insurance, which is only a few hundred dollars a year; There is a relatively short payment of accident insurance ten years of payment, about 2,000 yuan a year, as well as term life insurance critical illness insurance specific according to your age payment time to calculate, of course, you had better find a more professional salesman to make a reasonable plan for you I am the insurance salesman you can also find me.

There is no way to know this, and the situation of buying commercial insurance is different every year. The content of the insurance is different, and the ** paid is also different.

When buying commercial insurance, you should pay attention to these aspects:

1. Distinguish the types of insurance and their differences, including accident insurance, health insurance, critical illness insurance, children's education insurance, etc.

2. Be clear about the order of buying insurance, for example, participating financial insurance must not be the first to buy, generally speaking, health insurance, accident insurance, etc. will be bought first.

3. Combine your actual economic situation to purchase appropriate insurance from a reliable insurance platform.

Extended Materials. Commercial insurance (foreign name: commercial insurance) refers to a form of insurance operated by a specialized insurance company for the purpose of profit through the conclusion of an insurance contract.

The so-called commercial insurance refers to a form of insurance that is operated for profit through the conclusion of an insurance contract.

Operated by a specialized insurance company: A commercial insurance relationship is a contractual relationship voluntarily concluded by the parties, whereby the policyholder pays insurance premiums to the insurance company in accordance with the contract, and the insurance company bears the responsibility of compensating for the property damage caused by the occurrence of an accident that may occur as agreed in the contract, or bears the responsibility of paying insurance money when the insured dies, is disabled, sick or reaches the agreed age and period. The so-called social insurance refers to a social security system that collects insurance premiums to form social insurance**, which is used to provide basic living security for members who lose their ability to work or lose their job opportunities due to old age, illness, maternity, disability, death and unemployment.

For example, the insurance laws or insurance supervision laws of Japan, Germany, South Korea and Taiwan Province of China stipulate that the main body engaged in commercial insurance must be a share, or a mutual insurance company established in accordance with the law. The above-mentioned insurance companies can only carry out business activities within the scope of approved insurance business, and shall not engage in other business activities other than insurance business.

The commercial insurance purchased is also based on different situations every year, and the content of your insurance is different, so the money you pay is also different, ranging from dozens of yuan to thousands of yuan and tens of thousands of yuan.

Hello, I'm glad to answer for you, according to your description, it's probably more than 12,000, of course, this is a grade, and the specific grade is the main one. I wish you a happy life.

How much does it cost to buy commercial insurance a year? This depends on the amount of insurance you have, and if you generally have a lot of insurance, it will be more than seven or eight thousand yuan.

This depends on which one to buy, the type is very low, there are one or two thousand less, and there are one or two thousand a year.

This depends on what kind of commercial insurance you buy, different insurance premiums are different, for example, accident insurance is cheaper, while critical illness insurance is more expensive. There is also your age, the older you are, the higher the premium.

This one is different from the other, it depends on the specific type of insurance you buy, and each insurance type is divided into several versions.

If you buy commercial insurance, how much you have to pay a year depends on what kind of insurance you buy.

In fact, how much you pay for commercial insurance is mainly related to your income, if your income is high, then the sum insured is high, and your premium will be higher.

Commercial insurance is just a general term, and there are many different types of insurance subdivided into them. The amount paid by different insurance is naturally different, so you still need to know it yourself in real time.

The types and amounts of commercial insurance are different, and the premiums to be paid in a year are also different depending on the age of the individual. How much premium you need to pay for commercial insurance in a year depends on the product type, age, sum insured, and payment period. For example, for consumer-based critical illness insurance, life insurance, medical insurance, and accident insurance, for young people around 30 years old, the annual premium starts at four or five thousand.

The choice of commercial insurance is actually different from person to person, and you should choose the right insurance product according to your own needs, so as to protect yourself.

Here, the father also suggests that the expenditure on the allocation of insurance is best about 10% of the annual income, and it must be configured according to the economic situation of yourself or your family. What should I pay attention to when buying commercial insurance? Be sure to check out this one:

Is it necessary to buy commercial insurance? You must pay attention to these aspects! 》

When many people hear the word insurance, they may blurt out that it is "too expensive", and this perception of insurance is a bit one-sided!

At present, the update and adjustment of critical illness insurance is very fast, and it can change in a few months. As a result of this critical illness market law, there isBasically, the quality of protection of the newly launched critical illness insurance is higher, and the insurance premiums to be paid have become cheaper. I have found a lot of such products, such as these, which are the most cost-effective critical illness insurance to buy this year"Top 10 Cheap and Good Price Critical Illness Insurance!

In order to make it easier to understand, let's take 500,000 insurance amount and lifetime insurance as the calculation standard, and take a look at how much the popular products in the past three years have to pay a year:

2018 Fosun United Recreation Life C paragraph:This product has the basic protection of critical illness and mild illness, which is not expensive, and it costs more than 1,900 yuan a year to buy this critical illness insurance;

2019 Centennial Life Comvibo Ultimate Edition:This product can be said to be a benchmark product for cost-effective critical illness insurance, with excellent protection, including critical illness, mild illness, and moderate illness;

2020 Guofu Life Jiahebao:The critical illness insurance mentioned above, mild illness and moderate illness are available, and the first 15 years and diagnosed with critical illness before the age of 51 can also pay an additional 50% of the basic sum insured, and the money that can be lost for mild illness and moderate illness is also a lot, respectively, can be compensated 3 times, the highest one is 60% of the basic sum assured, and it is very difficult to find out such an excellent compensation for mild illness and moderate illness in similar products, and the insurance cost is more than 1700 yuan a year.

Judging from the changes in the protection liability and premium of popular critical illness insurance in the past three years, continuous progress is the norm in the insurance industry, and the protection is more in place and more intimate. And just look at the premiumThe annual cost is only more than 1,000 yuan, and the financial burden on the family is really not too bigIt can give the family a guarantee, transfer the risk, and avoid the situation that the high cost of critical illness overwhelms the family.

Moreover, there are some of the hot-selling critical illness insurance this year, I calculated their premiums by the way, and friends who want to know look at the following chart:

Although the above critical illness insurance products are quite famous, in fact, whether the products are good or not requires a deep understanding to know? I have made an analysis of several of these relatively hot products, I will share them with you here, remember to make up for the products if you are interested in them, and everyone should pay attention to the shortcomings mentioned in them!

"After seeing this shortcoming, I don't want to buy [Kang Hui Bao".

How about Hengqin Life Discount? Comprehensive evaluation, in-depth analysis! 》

"Super Mario 2020max, which was blown up by netizens, still has these flaws.

There are also many types of commercial insurance, and my dad recommends buying itLife insurance, accident insurance, critical illness insurance, medical insuranceThese four major types of insurance.

At the same time, the father recommends that the family's premium expenditure should not exceed 10% of the annual income, so how much money to pay in a year should be determined according to your own family income.

So, how to buy commercial insurance? Daddy will take itAccident insuranceLet's give an example.

1.Priority purchase of one-year accident insurance

One-year accident insurance has a low premium and a high sum insured, and this type of product is very cost-effective, while those accident insurance with a long-term return is not recommended, generally does not cover disability, no accidental medical treatment, and the premium is generally expensive. If you want to know what other pitfalls are in return-type insurance, come here to find out. Is Return-type Insurance Worth Buying?

2.It is more appropriate to fill in more than 2 beneficiaries

No one can predict an accident, if only one beneficiary is filled, if both the insured and the beneficiary die in an accident, then according to the legal procedures, the accident insurance will be paid to the legal heirs, which is easy to cause family disputes.

3.Public Transport Accident Insurance Liability

We need to choose a means of transportation that is used more frequently in ordinary travel, for example, if we usually drive a private car to and from work, then we can choose an accident insurance with private car accident protection.

4.Read the disclaimers

In the accident insurance contract, the exclusion clause lists the circumstances under which the insurance company will not pay, so we need to understand which situations are not covered by the insurance company.

Daddy concluded:

No matter which type of insurance you have, you should choose the most suitable product according to your needs and budget.