Its function is to ensure the uniqueness, authenticity and effectiveness of tax preferential commercial health insurance. The commercial health insurance information platform will check the insured according to the principle of "one person, one bill and one yard", then send it to the insurance company and print it on the policy.
Simply put, whether taxpayers can enjoy tax benefits when purchasing a health insurance product depends on whether the tax priority identification code is marked on the policy.
1. Commercial insurance refers to a profit-making insurance form operated by concluding an insurance contract and operated by a specialized insurance enterprise. The commercial insurance relationship is a contractual relationship concluded by the parties voluntarily. The insured pays the insurance premium to the insurance company according to the contract, and the insurance company assumes the responsibility of compensation for the property losses caused by the possible accidents agreed in the contract, or when the insured dies, is disabled or sick or reaches the agreed age and time limit. The so-called social insurance refers to a social security system that collects insurance premiums and forms a social insurance fund to provide basic living security for members who lose their working ability or job opportunities due to old age, illness, maternity, disability, death and unemployment.
Second, the characteristics of commercial insurance:
1. The business entity of commercial insurance is a commercial insurance company.
2. The insurance relationship reflected by commercial insurance is embodied in the insurance contract.
3. The objects of commercial insurance can be people and things (both tangible and intangible), and the specific objects are people's life and body, property, interests, responsibilities and credits related to property.
4. The business of commercial insurance should aim at profit, and get the maximum profit, so as to ensure that the insured can enjoy the maximum economic security.
III. Types of commercial insurance:
Insurance includes property insurance, life insurance and health insurance.
1. Property insurance.
Property insurance includes motor vehicle insurance, enterprise property insurance, family property insurance, ship insurance, liability insurance, guarantee insurance, cargo transportation insurance, agricultural insurance, engineering insurance and credit insurance.
2. Life insurance and health insurance.
According to the number of insured persons, it can be divided into individual health insurance and group health insurance.
According to the length of insurance, it can be divided into short-term health insurance and long-term health insurance. The length of insurance coverage is also combined with the number of policyholders to form group short-term insurance and group long-term insurance, and it can also be combined with individuals to form individual short-term insurance and individual long-term insurance.