打工人都在悄悄囤的节税神器，到底有多香？

Group 1 - The core viewpoint of the article highlights the increasing interest in "tax-advantaged health insurance," which is often overlooked compared to popular critical illness and medical insurance products [2] - This type of insurance is described as "underrated" due to its potential benefits, including a maximum return of 186% over 10 years (including tax refunds) and coverage for 10 critical illnesses [2] - The article emphasizes that this insurance is worth considering because it is backed by national policies and supported by major companies like China Life Insurance, offering low costs, stable returns, and substantial protection, making it an ideal choice for workers [2]