How to declare tax exemption after purchasing a tax advantaged health insurance product

Tax-advantaged health insurance is a tax-advantaged health insurance for individuals.

This kind of insurance is generally a one-year medical slag treatment insurance plus a universal account, the policyholder needs to pay premiums every year in accordance with the regulations, so as to enjoy pre-tax deductions, medical insurance, no deductible can be reimbursed for self-financed drugs, guaranteed renewal to 65 years old, in addition, tax preferential health insurance does not limit the use of social security drugs, allowing the insured to take sick insurance. 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 the calendar.

The purchase conditions of tax-advantaged health insurance are: the insurance age of tax-advantaged health insurance is stipulated to be 16 years old to the statutory retirement age.

and must be a taxpayer who pays taxes to the state; TaxChanliang Souyou Health Insurance generally sets the insurance amount according to the insurance liability in different situations.

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

Tax-advantaged health insurance refers to a health insurance product that enjoys tax incentives in certain countries or regions. The specific definition and characteristics will vary from country to country. Here's a general understanding of tax-advantaged health insurance:

Tax Consolidation Benefits: Tax-advantaged health insurance generally means that individuals who meet certain conditions and purchase health insurance can enjoy a certain level of tax deduction or benefit. This preference can be reflected in personal income tax, social insurance premiums, or other related taxes.

Health Insurance Coverage: Tax-advantaged health insurance mainly focuses on the field of health insurance, aiming to provide coverage for medical treatment, surgery, hospitalization, outpatient treatment, medicines, etc. The specific coverage and amount of insurance will vary depending on the product design and policy provisions, and can cover the medical protection needs of individuals and families.

Restrictions: In order to qualify for tax benefits, purchasers need to meet certain conditions and requirements. This may include the type of insurance purchased, the premium payment period, the amount insured, the age limit, etc. Purchasers need to be aware of and comply with the relevant regulations to ensure tax benefits.

Health and financial security: The goal of tax-advantaged health insurance is to provide medical and health protection to help individuals cope with unexpected medical expenses and the risk of illness. At the same time, buyers can also get certain deductions or savings in terms of finances due to tax incentives.

Please note that the specific definition and policy details of tax-advantaged health insurance will vary from country to country and country to country. Therefore, it is advisable to carefully understand the local legal regulations, policy measures and product features before purchasing in order to properly understand and use tax-advantaged health insurance.

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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.

Tax-advantaged health insurance has the following products:

1.Coloplast Section A: People between the ages of 21 and 65 can apply for insurance, mainly including death benefit, inpatient medical expenses protection, outpatient and emergency medical expenses protection before and after hospitalization, special outpatient medical expenses protection, chronic disease outpatient protection, etc.;

2.iHealth A1: People aged 16 to 65 can be insured, mainly including death benefit, inpatient medical expense benefit, outpatient and emergency medical expenses before and after hospitalization, special outpatient medical expenses protection, chronic disease outpatient protection, etc.;

3.Shengshi Individual Tax Advantage A: People aged 16 to 65 can be insured, mainly including death benefit, inpatient medical expense protection, outpatient and emergency medical expenses protection before and after hospitalization, special outpatient medical expenses protection, chronic disease outpatient diagnosis insurance, etc.

Tax-advantaged health insurance is a personal tax-advantaged health insurance issued by an insurance company.

This kind of insurance is generally a one-year medical insurance + 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 to 65 years old, in addition, the tax advantage health insurance does not limit the use of social security drugs, allowing the insured to take sick insurance.

1. Three advantages of tax-advantaged health insurance.

The product background of tax-advantaged health insurance determines that it has other commercial insurance.

There is no welfare nature. To sum up, there are three main advantages: Advantage 1:

Commercial medical insurance that can be insured with illness and no waiting period will have strict health requirements, and it is basically impossible to buy it when you are sick. However, tax-advantaged health insurance supports insurance with illness, even if you have cancer or diabetes.

You can buy it too! And there is no waiting period, you can report if you buy it today and be hospitalized tomorrow. For people who are not in good physical condition and are anxious to see a doctor, it is another option in addition to social security.

Advantage 2: Guaranteed RenewalMost of the current commercial medical insurance is short-term medical insurance, and there is a general risk of renewal; What if the insurance company reimburses us this year and refuses to sell it to us next year, or simply removes the product from the shelves? Of course, Pacific and Ping An have also recently launched medical insurance that guarantees renewal for 15 years and 20 years.

Tax-advantaged health insurance can generally be guaranteed to be renewed, and it is generally guaranteed to be renewed until the statutory retirement age.

Currently 60 years old for men and 55 years old for women), some products can be renewed until the age of 75.

If you buy it, you can continue to renew the policy.

Advantage 3: Individual income tax deduction.

If you have bought a tax-advantaged health insurance policy, the insurance policy has a tax-advantaged identification code; It can be reported directly to the company, and it will help us get a tax deduction. Or fill in this code into the individual income tax app to deduct taxes.

2. What are the shortcomings of tax-advantaged health insurance?

Tax-advantaged health insurance looks very good, there is no health notice, and renewal is guaranteed, but these two shortcomings must be understood:

1. The sum insured is relatively low.

Million medical insurance is usually a few million sum insured, while the tax advantage health insurance is not very insured, especially for those who are sick.

2. There are restrictions on reimbursement of expenses outside social insurance.

The vast majority of tax-advantaged health insurance plans either do not reimburse expenses outside of social security, or have some restrictions.

3. Who can buy tax-advantaged health insurance?

Although the insurance is very relaxed, not limited to occupation, and there is no health notice, not everyone can buy it, and two conditions need to be met:

Pay at least 2400 per year: After deducting the premium of medical insurance, the remaining money goes into the universal account and saves.

You need to pay taxes for one year in a row: you can't buy it if you don't have a job, and you must be over 16 years old until you retire.

But in practice, tax-advantaged health insurance will be more difficult to buy, because this product does not make much money, and insurance companies are not very willing to push it.

The purchase conditions of tax-advantaged health insurance should meet the following three points at the same time:

1. In terms of age: the insured must be over 16 years old and above until the early retirement of the insured.

2. In terms of tax payment: the insured must be paying tax for one year at the time of insurance application, and it will not be affected if the tax payment conditions are not met.

3. In terms of insurance: the insured must have participated in the basic hidden medical insurance or publicly-funded medical treatment.

First, the front. Tax-advantaged health insurance purchase conditions:

1. The insurance age of tax-advantaged health insurance is set from 16 years old to before the statutory retirement age, and must be a taxpayer who pays taxes to the state;

2. Tax-advantaged health insurance generally sets a limit on the amount of insurance according to the insurance liability of different circumstances, for example, when applying for insurance for the first time, the limit of the insured who does not suffer from pre-existing conditions is 800,000 yuan for the cumulative medical expenses during the guaranteed renewal period, and the limit for those suffering from pre-existing conditions is 150,000 yuan;

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

2. Analyze the details.

Tax-advantaged health insurance is a new policy launched by the state in recent years in order to encourage residents to purchase commercial insurance, which refers to the individual income tax reduction and exemption policy, and tax-advantaged health insurance is also a health insurance underwritten by insurance companies. Taxpayers can pay less tax after purchasing this type of commercial health insurance, which is similar to buying a medical insurance for themselves at a lower price**.

3. The excellent points of tax-advantaged health insurance.

One of the more prominent advantages of tax-advantaged health insurance is that it can be insured with illness and there is no waiting period. Tax-advantaged health insurance is friendly to users of hypertension, diabetes, and malignant tumors, and can be insured with illness, with a wide range of insurance coverage and no waiting period. Secondly, the renewal conditions of tax-advantaged health insurance are relatively good.

In the insurance contract, it is stated that the renewal is guaranteed, and it can generally be renewed to the statutory retirement age, and the renewal conditions are more friendly.