These three types of insurance are annuity insurance, tax-excellent health insurance and tax-deferred pension insurance.
1, annuity insurance
Note that it is an enterprise annuity, which is a supplementary pension benefit given to you by your company or unit, excluding commercial pension insurance purchased by individuals.
2_ Tax Premium Health Insurance
This is a combination of 1 year medical insurance and universal insurance. It is a commercial insurance that combines policy and inclusiveness, and it is difficult for ordinary people to buy it.
3. Tax-deferred pension insurance
It is only sold in pilot areas, such as Shanghai, Fujian and Suzhou Industrial Park. Moreover, this part of the premium has been reduced now, and there is no tax deduction, which will be deducted when you receive your pension in the future.
So how do you see if the insurance you bought can be refunded?
Quite simply, in addition to the enterprise annuity, if your insurance contract has the words "tax deferred preferential type", then you can apply for tax refund.
However, most of the commercial insurance we can buy in the market is basically not within these three types.
The so-called tax refund means that for some reason, the tax authorities will refund the tax paid to the original taxpayer according to the prescribed procedures. It mainly includes: (1) various symptoms caused by work mistakes. (2) Policy tax refund. Due to the change of tax policy. (3) Tax refund for other reasons. Tax Refund Procedure: Taxpayers apply to the tax authorities for tax refund, which will be handled according to different situations after approval. 2065438+08 2065438+08108 People's Republic of China (PRC) Li Keqiang, Premier of the State Council of the People's Republic of China presided over the the State Council executive meeting to determine measures to improve the export tax rebate policy and speed up the tax rebate process, reduce the burden on enterprises and maintain the steady growth of foreign trade.
For personal tax refund, applicants need to apply for tax refund by themselves, mail the application on the website of the tax bureau, or handle it by mobile phone, or make annual final settlement and payment in the tax business hall to settle the tax refund. Secondly, tax refund can be assisted by entrusting relevant companies to pay taxes, and taxpayers submit income information to the company, which is handled by the person in charge of the company. Finally, you can entrust a tax-related professional service unit or individual to refund the tax.