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完善健康保险税收优惠政策,是十八大以来国家的政策要求,也是保险业长期的呼吁和期盼。千呼万唤之下,2015年,个人税收优惠型商业健康保险相关政策终于出台,这是我国第一次为个人购买人身保险发展提供税收激励。从试点推行一年多以来的效果看,个人税收优惠型健康保险发展势头并不如预期强劲。自7月1日起试点政策在全国范围内推广实施,个人税收优惠型健康保险发展必须要创新模式找到突破口。
Perfecting the preferential tax policies for health insurance is the national policy requirement since the 18th National Congress of the CPC and the long-term appeal and expectation of the insurance industry. With a long-awaited answer, in 2015, the personal tax-related commercial health insurance policy was finally promulgated, which is the first time that China has provided tax incentives for the development of personal insurance for individuals. From the effect of the pilot program more than a year ago, the development trend of individual tax preferential health insurance is not as strong as expected. Since July 1, pilot policies have been promoted and implemented nationwide. The development of preferential tax-exempt health insurance must find a breakthrough in innovation mode.