买保险可以抵税？快看看你买的保险能不能抵

<section ><br /></section><section ><section ><br /></section></section><section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_jpg%2FaqibLpHUEczsicBmOIMJVhXBVfSf7iaqZSSFvmI3Y9dib3ttJe6u3pEeAfYLVsibKx40nibJWIvFX90sUfJAnaIyVeAA%2F640%3Fwx_fmt%3Djpeg" data-origin="https://mmbiz.qpic.cn/mmbiz_jpg/aqibLpHUEczsicBmOIMJVhXBVfSf7iaqZSSFvmI3Y9dib3ttJe6u3pEeAfYLVsibKx40nibJWIvFX90sUfJAnaIyVeAA/640?wx_fmt=jpeg" alt="懂保爷测评配图" loading="lazy" /></section><section ><br /></section><section ><span >大家好，我是保爷。</span></section><section ><span ><br /></span></section><section ><span >自新税法（个税起征点从3500提升到5000）实施后，我国在近期开展了个税年度汇算清缴工作。</span></section><section ><span >&nbsp;</span></section><section ><span >很多朋友也是第一次下载个人所得税的App，去查看了自己的个税数据。</span></section><section ><span >&nbsp;</span></section><section ><span >如果大家足够仔细的话，应该可以看到税前扣除项中有这么几项：</span></section><section ><span ><br /></span></section><section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_jpg%2FaqibLpHUEczsicBmOIMJVhXBVfSf7iaqZSSGxlM4dbTO4iaibciakoK2qz3Tm5ZVOYmQBdQ9QN1MicnQGUwtuYU2B4DKw%2F640%3Fwx_fmt%3Djpeg" data-origin="https://mmbiz.qpic.cn/mmbiz_jpg/aqibLpHUEczsicBmOIMJVhXBVfSf7iaqZSSGxlM4dbTO4iaibciakoK2qz3Tm5ZVOYmQBdQ9QN1MicnQGUwtuYU2B4DKw/640?wx_fmt=jpeg" alt="懂保爷测评配图" loading="lazy" /></section><section ><span ><br /></span></section><section ><span ><strong>这是不是意味着自己用来买年金险、健康险、养老险的钱就不用扣税了？</strong></span></section><section ><span >&nbsp;</span></section><section ><span >然后还会想到：</span></section><section ><span >&nbsp;</span></section><section ><span >反正每月都要交几百块的个税，这样看还不如给自己买保险，又能少缴税又能加保障，简直两全其美。</span></section><section ><span >&nbsp;</span></section><section ><span >保爷不想泼冷水，但事与愿违，这几个税前扣除项并不是大家想的那样。</span></section><section ><span >&nbsp;</span></section><section ><strong><span >1、年金</span></strong></section><section ><span ><br /></span></section><section ><span >这不是通常的年金险，而是<strong>企业年金</strong>，它和社保五险中的养老保险差不多，都是企业和职工各缴一部分。</span></section><section ><span >&nbsp;</span></section><section ><span >但差异在于社保五险是应国家要求强制缴纳，企业年金并没有强制要求，所以大多数企业都是没有的。</span></section><section ><span >&nbsp;</span></section><section ><span style="color: rgb(136, 136, 136)">而对于有企业年金的朋友，这项是指企业年金的<strong>个人缴纳部分</strong>可以在税前扣除，且税前扣除的部分<strong>不能超过工资计税基数的4%</strong>。</span></section><section ><span >&nbsp;</span></section><section ><strong><span >2、商业健康险</span></strong></section><section ><span ><br /></span></section><section ><span >至于第二项的商业健康险可能就是比较符合我们刚才想象的部分了：</span></section><section ><span >&nbsp;</span></section><section ><span >只要个人购买<strong>符合规定</strong>的商业健康险的支出，就能在税前予以扣除，每年限额为2400元<span style="color: gray">（或每月200元）</span>。</span></section><section ><span >&nbsp;</span></section><section ><span >这项有着两点限制，我们要清楚：</span></section><section ><span >&nbsp;</span></section><ul ><li style="color: rgb(136, 136, 136)"><section ><span style="color: rgb(136, 136, 136)">不是所有商业健康险都能抵税，只有符合规定的保险才行；</span></section></li><li style="color: rgb(136, 136, 136)"><section ><span style="color: rgb(136, 136, 136)">不能无限制抵税，每年限额2400元，也就是每月限额200元。</span></section></li></ul><section ><span ><br /></span></section><section ><strong><span >3、税延养老保险</span></strong><span ><br /></span></section><section ><span ><br /></span></section><section ><span >再说说第三项的税延养老保险，其实听名字“税延“就知道，</span></section><section ><span >&nbsp;</span></section><section ><span >这项虽然能在税前扣除，但只是“延期“而已，以后还是要补缴的。</span></section><section ><span >&nbsp;</span></section><section ><span >正经来说是指：</span></section><section ><span >&nbsp;</span></section><section ><span style="color: rgb(136, 136, 136)">个人缴纳的保费在一定金额之内可以先在税前工资中扣除，等将来退休后领取保险金时再缴纳个税。</span></section><section ><span >&nbsp;</span></section><section ><span >还有一点要注意，目前税延养老保险仅在少数几个城市试点运行，即便是想抵税也不是每个人都可以。</span></section><section ><span >&nbsp;</span></section><section ><strong><span >上面三项<span style="color: rgb(127, 127, 127)">（年金、商业健康险、税延养老险）</span>中，年金和税延养老险两项对大多数人来说并没有“实用价值”。</span></strong><span ></span></section><section ><span >&nbsp;</span></section><section ><span >在保爷看来，真正能起明显作用的只有<strong>商业健康险</strong>了，毕竟每年还有着2400元的免税额度<span style="color: rgb(127, 127, 127)">（前提要是纳税人）</span>。</span></section><section ><span >&nbsp;</span></section><section ><span style="color: rgb(136, 136, 136)">举个例子，小王月薪8200元，应当缴纳个税110元，每月200免税后，就只用按8000元缴税，约为90元。</span></section><section ><span style="color: rgb(136, 136, 136)">&nbsp;</span></section><section ><span style="color: rgb(136, 136, 136)">这样算一年就能省下（110-90）*12=240元的应缴税额。</span></section><section ><span >&nbsp;</span></section><section ><span >为了方便大家对比自身，保爷整理了不同月薪的可减税额对比表如下：</span></section><section ><span >&nbsp;</span></section><section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FaqibLpHUEczsicBmOIMJVhXBVfSf7iaqZSSMe6wsKUG9uGGDibPXOob2KDhZrpSZdfJe0icfxR3qX0WyAkBy8nqbJnQ%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/aqibLpHUEczsicBmOIMJVhXBVfSf7iaqZSSMe6wsKUG9uGGDibPXOob2KDhZrpSZdfJe0icfxR3qX0WyAkBy8nqbJnQ/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></section><section style="text-align: center"><span style="color: rgb(127, 127, 127)">注：表中的200是指每月可抵扣的最高限额</span></section><section ><span >&nbsp;</span></section><section ><span >这样看，其实可节约的个税不算多，月薪10000元一年也仅能省下240元。</span></section><section ><span >&nbsp;</span></section><section ><span >不过蚊子再小也是肉，能省一点还是要省一点。</span></section><section ><span >&nbsp;</span></section><section ><span >再回到可抵扣的商业健康险本身，这类保险一般有个专用名称：<strong>税优健康险</strong>。</span></section><section ><span >&nbsp;</span></section><section ><span >保爷刚刚列出的税优健康险两点限制中，每月限额200元我们已经说过了。</span></section><section ><span >&nbsp;</span></section><section ><span >接下来再提一下更麻烦的限制：不是所有商业健康险都能抵税，只有符合规定的保险才行。</span></section><section ><span >&nbsp;</span></section><section ><span >也就是说：<strong>不是我们随便买个百万医疗险啥的健康险就能申请抵税</strong>。</span></section><section ><span >&nbsp;</span></section><section ><span >只有购买特定的“税优健康险”，并提供<strong>税优识别码</strong>，才能在税前扣除。</span></section><section ><span >&nbsp;</span></section><section ><span >保爷这里也选了几款热门的税优健康险，我们一起来认识下：</span></section><section ><span ><br /></span></section><section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FaqibLpHUEczsicBmOIMJVhXBVfSf7iaqZSSicDAw8SaicOYxM1bdljiafsSZr5238ZrYZsQbxHQtQFQohBUWRgg6EzMA%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/aqibLpHUEczsicBmOIMJVhXBVfSf7iaqZSSicDAw8SaicOYxM1bdljiafsSZr5238ZrYZsQbxHQtQFQohBUWRgg6EzMA/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></section><section ><span ><br /></span></section><section ><span >尽管税优健康险的名头听着唬人，但从实际责任来看，其实就相当于商业医疗险和国家医保的混合体。</span></section><section ><span >&nbsp;</span></section><section ><strong><span >那它对比常见的百万医疗险<span style="color: rgb(127, 127, 127)">（尊享e生、好医保等）</span>有什么优缺点呢？</span></strong></section><section ><span >&nbsp;</span></section><section ><span >保爷经过一番对比后发现有这几点优势：</span></section><section ><span >&nbsp;</span></section><ul ><li><p><span style="color: rgb(33, 89, 103)">可以带病投保：</span><span >即便身患重疾、慢性病都可以投保；</span></p></li><li><p><span style="color: rgb(33, 89, 103)">没有免赔额和等待期：</span><span >0免赔，也没有等待期；</span></p></li><li><p><span style="color: rgb(33, 89, 103)">保证续保：</span><span >一般保证续保到退休；</span></p></li><li><p><span style="color: rgb(33, 89, 103)">可以少缴税：</span><span >通过税前扣除达到少缴税的效果。</span></p></li></ul><section ><span >&nbsp;</span></section><section ><span >但相应的也有以下劣势：</span></section><section ><span >&nbsp;</span></section><ul ><li><p><span style="color: rgb(33, 89, 103)">投保门槛高：</span><span >年满16周岁不说，必须要有基本医保，还得正常纳税1年以上<span style="color: rgb(127, 127, 127)">（个税5000起征）</span>；</span></p></li><li><p><span style="color: rgb(33, 89, 103)">保额低且有限制：</span><span >终身保额最高也就100万左右，且每年还有限额，带病投保保额更低；</span></p></li><li><p><span style="color: rgb(33, 89, 103)">报销范围小：</span><span >社保外报销比例只有80%，且药品清单限制较多。</span></p></li></ul><section ><span >&nbsp;</span></section><section ><span >其实上面的投保门槛保爷还没说完，除了基础条件，投保渠道还分为个人投保和团体投保。</span></section><section ><span >&nbsp;</span></section><section ><strong><span >保爷也为此咨询的多家保险公司，目前来看只有平安、人保、泰康、国华等少数几家提供个人投保渠道，其他绝大多数税优险只能选择团体投保。</span></strong></section><section ><span >&nbsp;</span></section><section ><span >此外，因为目前少有税优健康险可以线上投保的缘故，选择个人投保的话还得花费不菲的时间精力在线下的投保过程上。</span></section><section ><span >&nbsp;</span></section><section ><span style="color: rgb(136, 136, 136)">比如等待保险公司联系、去税局开局纳税证明、邮寄投保资料给保险公司，整个投保流程花费1个月都有可能。</span></section><section ><span >&nbsp;</span></section><section ><span >所以保爷对税优健康险的看法是：</span></section><section ><span >&nbsp;</span></section><section ><span ><strong>除非是所在企业给职工进行团队投保，普通消费者一般不用额外选购税优健康险，直接买一份百万医疗险即可。</strong></span></section><section ><span ><strong><br /></strong></span></section><section ><span ><strong>又或者身患大病，买不了百万医疗险，且自己符合税优健康险的投保条件，那么选择投保一份也没有问题。<br /></strong></span></section><section ><span ><strong><br /></strong></span></section><section ><span style="color: rgb(33, 89, 103)"><strong ><span >写在最后</span></strong></span></section><section ><br /></section><section ><span style="color: rgb(26, 26, 26); text-align: start">保险的信息不对称问题太严重，十买九坑！</span></section><section ><br /></section><section ><span style="color: rgb(26, 26, 26); text-align: start">保爷强烈建议大家买保险前先看看<strong >微信公众号</strong><strong ><span >【</span>懂保爷</strong>】里的评测文章并咨询保爷，能帮你省钱50%避坑100%。</span></section><section ><br /></section><section ><span >如果对保险有疑问，欢迎<span style="color: rgb(26, 26, 26); text-align: start">留言或者私信保爷（保爷微信：</span></span><span style="color: rgb(26, 26, 26); text-align: start">dongbaoye999）。</span></section><section ><br /></section><section ><span >相信保爷一定能给你一些专业的建议，帮你花最少钱买对保险不掉坑！</span></section><section ><span ><br /></span></section><section ><span >相关阅读：</span></section><section ><span ><br /></span></section><section ><span ><a target="_blank" href="http://mp.weixin.qq.com/s?__biz=MjM5MjY4MjU0MQ==&amp;mid=2447787830&amp;idx=1&amp;sn=717ccc11f1fe7c28068014fb49c395e4&amp;chksm=b2b0607485c7e9626b99ebf1dbfd03676ce6b0925b06c31dec6819818dcf52611d964b72b136&amp;scene=21#wechat_redirect" tab="innerlink">我有医保，还有必要购买「商业医疗险」吗？</a><br /></span></section><section ><span ><a target="_blank" href="http://mp.weixin.qq.com/s?__biz=MjM5MjY4MjU0MQ==&amp;mid=2447787870&amp;idx=1&amp;sn=7e9be0c8445b02996abf05cdcba7b4c5&amp;chksm=b2b0601c85c7e90a1e09fe75add0305c7892ba0ff4610df3642591b1c5dc52dd0f2e86793ec8&amp;scene=21#wechat_redirect" tab="innerlink">已经有了「医疗险」，为什么还要买「重疾险」？</a><br /></span></section><section ><br /></section><section style="text-align: center"><span ><span >—&nbsp;</span><strong >END&nbsp;</strong><span >—</span></span></section><section style="text-align: center"><span style="color: rgb(0, 0, 0)"><strong >愿你家的保单永不出险！</strong></span></section><section style="text-align: center"><br /></section><section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_gif%2FaqibLpHUEcztqnW5ErxRUsSSupvmDQOpR7cvW3RU9Mws1r1icYCicxU76ib0MwTia6WhsRd3ddWevK4OJBFpXianxQzQ%2F640%3Fwx_fmt%3Dgif" data-origin="https://mmbiz.qpic.cn/mmbiz_gif/aqibLpHUEcztqnW5ErxRUsSSupvmDQOpR7cvW3RU9Mws1r1icYCicxU76ib0MwTia6WhsRd3ddWevK4OJBFpXianxQzQ/640?wx_fmt=gif" alt="懂保爷测评配图" loading="lazy" /></section><section style="text-align: center"><strong ><span style="color: rgb(33, 89, 103)">懂保爷</span></strong></section><section style="text-align: center"><span style="color: rgb(0, 0, 0)">做硬核保险评测、找最高性价比产品</span><br /></section><section style="text-align: center"><span style="color: rgb(33, 89, 103)">你人脉圈里的保险专家</span></section><section style="text-align: center"><br /></section><section style="text-align: left"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_gif%2FAa1Vn4VNXulDSG3kLWEFl66JYfFHuibDsZwPP3g5romOwOBrEvLdFjc8VUrEoXpQflzzTumnt8dW6vKFReAyKnA%2F640%3Fwx_fmt%3Dgif" data-origin="https://mmbiz.qpic.cn/mmbiz_gif/Aa1Vn4VNXulDSG3kLWEFl66JYfFHuibDsZwPP3g5romOwOBrEvLdFjc8VUrEoXpQflzzTumnt8dW6vKFReAyKnA/640?wx_fmt=gif" alt="懂保爷测评配图" loading="lazy" /><span >&nbsp; &nbsp;&nbsp;<span style="color: rgb(136, 136, 136)">点击阅读原文，查看</span><span style="color: rgb(33, 89, 103)">保爷精选保险</span></span></section><section label="Powered by 135editor.com" ><section ><br /></section><section style="text-align: right"><section ><p style="text-align: center; color: rgb(63, 62, 63)"><span >如有帮助，<span >帮忙点个</span><span style="color: rgb(33, 89, 103)"><strong >在看</strong></span></span><span style="color: rgb(0, 0, 0)">吧</span><span >，谢谢！</span></p></section></section></section>