What is Ping An s tax advantaged health insurance, and what is tax advantaged health insurance?

Tax-advantaged health insurance, the full name is "personal tax preferential health insurance", is a type of commercial medical insurance in cooperation with insurance companies, that is, the expenditure of individuals to purchase commercial health insurance products that meet the requirements is allowed to be deducted before tax when calculating the taxable income in the current year (month), and the deduction limit is 2400 yuan a year (200 yuan month).

The expenses of the unit for the purchase of commercial health insurance products that meet the requirements for employees shall be included in the employees' individual wages and salaries respectively, and shall be regarded as individual purchases and deducted according to the above limits. The limit deduction of 2,400 yuan per year (200 yuan per month) is a deduction in addition to the deduction standard stipulated in the individual income tax law. To put it simply, the threshold of individual income tax is 5,000 yuan, and if you purchase tax-advantaged commercial health insurance, the threshold of individual income tax will be raised to 5,200 yuan.

For questions about Ping An Tax Preferential Health Insurance, you can call Ping An Health Insurance customer service at 95511-7 for consultation.

According to reports, at present, most of the company's tax-advantaged health insurance products are mainly divided into "basic" and "upgraded", and are differentiated according to the size of the insurance coverage and the content of value-added services: the larger the scope of claims, the more value-added services, and the corresponding premiums. In the case of an individual with supplementary medical care and without supplementary medical care, there should be a big difference between their insurance**.

In this regard, industry insiders explained that this is because individual medical insurance and supplementary medical care can cover a part of the medical insurance, and this part will be exempted from compensation in the tax-advantaged commercial health insurance to avoid the problem of duplicate claims. New Ping An Health Insurance e-Life Insurance [Guaranteed Renewal Version] Product Purchase Address:

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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 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 includes Sunshine Life Insurance and Taikang Life Insurance.

Chinese People's Health Insurance Shares****, Chinese Life.

Ping An Life, New China Life.

Taiping Life Insurance, CCB Life Insurance, Zhongyi Life Insurance, Taiping Pension Insurance Co., Ltd., Soochow Life Insurance, Dehua Angu Life Insurance, Shanghai Life Insurance, Li'an Life Insurance, United Life Insurance and other insurance companies have tax preferential health insurance.

At present, if the policyholder wants to purchase tax-advantaged health insurance, he can directly purchase it at the offline business outlets of any of the above-mentioned insurance companies. When purchasing, it should be noted that some insurance companies do not support individual purchase, only support single-foot missing purchase, if this happens, the policyholder can make insurance suggestions to the unit, and then the unit can purchase. Of course, you can also buy tax-advantaged health insurance from Paihong Insurance Company, which supports individuals to purchase tax-advantaged health insurance, and you only need to provide your own identity certificate and the insured's identity certificate to the insurance company when purchasing.

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.

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.

Because personal tax-advantaged health insurance involves personal tax incentives and has a certain relationship with social security, at present, tax-advantaged health insurance cannot be purchased directly from insurance companies.

If you want to buy individual tax-advantaged health insurance, you need to apply for it through your workplace, and at present, the 12 insurance companies that have been approved to operate individual tax-advantaged health insurance require at least three people to apply for insurance together to underwrite from the tax-advantaged health insurance products they have launched, so tax-advantaged health insurance must be purchased in groups.

The preferential tax policy of commercial health insurance stipulates that the insurance of tax-advantaged health insurance can enjoy an annual reimbursement amount of 200,000 yuan and a lifetime insurance amount of 800,000 yuan, coupled with the lower rate of tax-advantaged health insurance and the characteristics of being insured with illness and not refusing insurance, etc., make tax-advantaged health insurance seem to have more advantages than other commercial health insurance, so if you buy tax-advantaged health insurance, you can give yourself more protection, but if you want to make the protection more comprehensive, you still need to consider comprehensively.

When purchasing tax-advantaged health insurance, it is necessary to take into account the social security and commercial insurance that individuals already have, avoid repeated insurance, and make the protection more comprehensive.

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Tax-advantaged health insurance refers to the commercial medical insurance that can enjoy individual income tax incentives, which is an insurance product that can not only protect the health of individuals, but also reduce personal burdens, and at the same time enjoy tax incentives.

At present, tax-advantaged health insurance has become part of the employee benefits of many companies to help employees improve their health protection and ensure their quality of life. Purchasing tax-advantaged health insurance can enjoy the preferential tax banquet, which can reduce the personal burden to a certain extent. According to national regulations, tax-advantaged health insurance that can enjoy tax incentives shall meet the following conditions:

First of all, it must be a commercial health insurance product that meets the requirements of the Regulations on the Administration of Commercial Health Insurance sold by a legally registered insurance company;

The coverage and amount of tax-advantaged health insurance shall meet national standards;

The Baodongxiang hunger allowance should be deductible before individual income tax.