Health: "a serious illness insurance shall pay income tax" has been to vomit slot are not misread

Wu jie (doctor)

Publication date: 2013-03-04 source: health

        State administration of taxation tax services department said yesterday, according to the regulation, individual pay medical treatment of a serious illness insurance cannot be in the individual income tax deductions, shall pay income tax. (5 February), the Beijing news

        Since tax equivalent of "quill", hard to avoid pain. Anything about "shall pay income tax", always encounter to netizens immediately saliva and plank brick, it is not a surprise. State ministration of taxation about the medical treatment of a serious illness insurance shall pay income tax "in response, natural can fall prey.

        At first glance it sounds, even health insurance has to be "skin", the "quill" have to do a bit to pull too hard. Besides, five risks a gold in the pre-tax deduction, there are already clear stipulation,, the practice of tax calculation and the "five risks", the medical insurance is impressively in columns. In this case, a serious illness medical insurance should pay tax, would seem contradictory.

        But, despite all called medicare, but five risks a gold of medical treatment insurance, with the national tax administration of talk about "major medical" insurance policies are, in fact is not the same thing. The former is the personal income tax law implementation regulations "in the list of insurance of primary medical treatment, should be in front of the personal income tax deduction, while the latter does not belong to the category of insurance of primary medical treatment, and belongs to the category of commercial medical insurance. In that case, national tax administration of the distinction, for beyond the category of commercial medical treatment of a serious illness insurance gold of insurance of primary medical treatment according to the income withholding tax, say there is no problem. Since the vast majority of the units and no commercial medical insurance for employees, most of the public is only enjoy basic medical insurance, medical treatment of a serious illness insurance must pay income tax, it doesn't really affect the vital interests of the general public and well-being.

        In fact, as pre-tax deduction of accumulation fund, but by some high income welfare units through high accumulation fund to implement the tax breaks, and lead to injustice and questioned. If deductions for health insurance without limits, so that a variety of commercial health insurance will be duty-free benefits to all, does not alarmist. If really so, deduct the income tax, the medical treatment of a serious illness insurance should be the real beneficiaries in fact is not the general public, but is likely to become hidden benefits at the same time enjoy tax breaks and loopholes, and widening income gap benefits, therefore, it is expected. In this sense, the strict limitation on pre-tax deduction of medical insurance category, is limited to basic medical insurance category, also understandable.

        Why, then, "the medical treatment of a serious illness insurance shall pay income tax" was still to many netizens to vomit slot? "Must pay income tax" why so sensitive to the public? I'm afraid is still worthy of reflection. In fact, the specific rules of tax levying and its judging the rationality of course need to be secure, however, within the context of the overall tax burden overweight, any "shall pay income tax", even to the current tax policy statements, still provoke up the tax burden overweight sensitive nerve, so ignore the reasonable attention to specific tax rules itself, it is not a surprise.

        Moreover, although the basic medical insurance is indeed a pre-tax deduction, but the current exactly how much of the basic medical insurance to cover the basic medical demand, the public could save the public from health risks, might need to ask. Since the moment of insurance of primary medical treatment is not basic enough to meet basic expectations, the public medical insurance at this time, the medical treatment of a serious illness insurance shall pay income tax ", indeed no bottom spirit.

        In this sense, whether the present personal tax burden is too high, and how to get the public, including a serious illness insurance, more perfect the basic medical insurance, tax policy to curb or something? This may be "a serious illness medical insurance shall pay income tax" provoked controversy behind the true problem.

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