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", and then send it to the insurance company and print it on the policy.
Simply put, whether taxpayers can enjoy tax benefits when purchasing health insurance products depends on whether the tax priority identification code is marked on the policy.
1. Commercial insurance refers to the form of for-profit insurance operated by professional insurance enterprises through the conclusion of insurance contracts. 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 shall be liable for the property losses caused by the possible accidents agreed in the contract, or the death, disability, illness or reaching the agreed age and time limit of the insured. The so-called social insurance refers to a social security system that forms a social insurance fund by collecting insurance premiums 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 (tangible and intangible), and the specific objects are people's life and body, property, interests, responsibilities and credit related to property.
4. The business of commercial insurance should aim at profit, so as to obtain the maximum profit and ensure that the insured can enjoy the maximum economic security.
Three. 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 period can also be combined with the number of policyholders to form short-term group insurance and long-term group insurance, and can also be combined with individuals to form short-term individual insurance and long-term individual insurance.