(1) Personal tax premium health insurance is the first personal tax premium health insurance issued by China People's Health Insurance Company, which went on sale on March 4th, 20th16th.
(2) The domestic health insurance market is developing rapidly. From 20 12 to 20 15, the compound annual growth rate of health insurance premiums in China was as high as 40.86%, of which the growth rate in 20 15 was as high as 5 1%, far exceeding the compound annual growth rate and growth rate of property insurance, life insurance and accident insurance in the same period.
(3) The preferential tax policy for personal health insurance reflects that the decision-makers pay more and more attention to the positioning of commercial health insurance in the overall national strategy, pay more attention to sharing the growing medical expenses by using the commercial insurance mechanism, and better support people's livelihood with the joint efforts of the government and the market; Moreover, it is also an important measure for the insurance industry to implement the spirit of the "Ten Articles of New China" document and fully serve the supply-side reform of the country.
Extended data:
Advantages of tax-excellent health insurance:
1. can enjoy preferential tax policies. According to the notice, the expenses of individuals purchasing qualified commercial health insurance products are allowed to be deducted before tax according to the annual limit of 2,400 yuan (200 yuan/month).
2. Insurance in spite of illness is allowed to ensure renewal. /kloc-Taxpayers who are over 0/6 years of age and under the statutory retirement age and meet the requirements for purchasing this type of insurance can take out insurance despite illness, and commercial insurance companies may not refuse insurance on the grounds of the insured's past medical history. If it is insured in spite of illness, the insurance company is allowed to adjust the minimum living allowance appropriately.
3. The guarantee amount is high. The annual insurance payment limit is not less than 200,000 yuan, and some insurance companies have raised the lifetime cumulative payment limit to 6,543,800 yuan+0.2 million yuan. According to the regulations, insurance companies are not allowed to set deductibles, and the proportion of medical expenses paid by the insured in the insurance contract should not be higher than 10%.
4. You can change insurance companies for free. It is stipulated that the insured can transfer the insurance policy to another insurance company free of charge after the end of the liability period for medical expenses risk protection, and the insurance company shall not force or force the insured to change insurance companies in disguise.
5. Universal insurance is conducive to the return of the price difference. Tax-excellent health insurance products adopt universal insurance, and the products are divided into two parts: personal account and medical insurance.
6. There is no waiting period. Insurance today, illness tomorrow, you can pay on the same day. For other health insurance, after the insurance contract comes into effect, observation periods of 30 days, 90 days and 180 days are generally set. If you are seriously ill or die during this period, the insurance company will not pay for it.
References:
Baidu encyclopedia-personal tax excellent health insurance
References:
People's Daily Online-How to make tax-excellent health insurance bigger and bigger
References:
People's network-tax-excellent health insurance, why not give up your seat?
References:
People's Network-Why is the tax-excellent health insurance "excellent" but not hot?