Q:
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What are the conditions for supplementary medical insurance?
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A:
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The scope of reimbursement is consistent with that of basic medical insurance
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The enterprise needs to establish an exclusive internal management system for this
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Q:
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What is the relationship between supplementary medical insurance and basic medical insurance?
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A:
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Supplementary medical insurance is a concept relative to basic medical insurance, and it is also a supplementary form of basic medical insurance. However, supplementary medical insurance is not compulsory, and the scope of reimbursement and payment is roughly the same as that of basic medical insurance. Supplementary medical insurance in some areas can also solve the part that cannot be covered by basic medical insurance.
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Q:
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How to determine the authenticity and validity of insurance products purchased by insurance companies?
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A:
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When an insurance company issues insurance products, it needs to be filed with the China Banking and Insurance Regulatory Commission in advance. For details, it can be inquired through the "Personal Insurance Products" or "Product Search" module under "Inquiry for Recorded Products" on the official website of the China Banking Regulatory Commission.
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Q:
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What are the pre-tax deduction requirements for supplementary medical insurance?
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A:
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It can be seen from the Caishui [2009] No. 27 requirement "to pay for all employees who are employed or employed in the enterprise" that this regulation actually reflects the inclusiveness of the policy.Therefore, as long as the supplementary medical insurance paid by the enterprise can reflect the inclusiveness, it can be deemed to meet the requirements of Circular 27.
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Q:
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What kind of invoice do I need to obtain for supplementary medical insurance?
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A:
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For supplementary medical insurance purchased from commercial insurance companies, companies should obtain compliance invoices as pre-tax deduction certificates.At the same time, since most supplementary medical insurance is filed as health insurance, in general, the invoices for supplementary medical insurance obtained by enterprises are actually tax-free ordinary VAT invoices.
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