Mutual protection ant blockchain
there are a few differences in investment targets, and the closure period is not the same, the others are almost the same.
mutual treasure is a serious illness mutual aid service on Alipay App. p>
related introction:
the function of Hubao is that when the members of Hubao are suffering from 100 kinds of serious diseases, they can enjoy a security payment of 300000 yuan or 100000 yuan, and the cost is shared by all members
Hubao charges 8% of the management fee, which is mainly used for case investigation and audit, proct operation, technology investment and other expenses. Shao Xiaodong, general manager of ant financial mutual treasure business department, revealed that the current 8% management fee can not fully cover the cost of mutual treasure. In the future, we will continue to rece costs through technical means to achieve profit and loss balance
every mutual aid case of huhubao, from the initiation of application to the provision of assistance, will go through three major investigation and review processes:
1. Professional investigation institutions carry out strict on-the-spot investigation. The investigation contents include the applicant's disease, medical treatment situation, the applicant's previous medical records, etc. to ensure that the applicant meets the "health requirements" and mutual aid conditions
Second, the mutual audit team reviewed the investigation data, and the investigation and audit were independent to ensure the fairness of the case results Thirdly, the case should be publicized and supervised by the whole society 
extended data
Hubao first provides security, and then the participants share the costs. Although there is only "less than half a cent relationship", every help case should be supervised by hundreds of millions of users of Alipay. P>
more than 100 million people have joined Alipay's mutual aid scheme. According to the public data of huhubao, while the 100 million people were protected, they rescued more than 10000 seriously ill members
after the "mutual treasure", Alipay has launched the "old version of mutual treasure", specifically for the 60-70 year old people to set up a separate cancer prevention and support community. The elderly who meet the health requirements can apply for a mutual aid fund of up to 100000 yuan if they are suffering from malignant tumor. The amount shared by each person in a single mutual aid case is not more than 1 yuan
Huhubao is not an insurance proct, but a mutual aid plan
although the father has always stressed that this is not an insurance proct, many people still equate it with serious illness insurance. So is mutual treasure useful? What kind of security can it bring us? Mutual aid plan for serious illness: protection before payment, is it really worth joining
first, what is mutual treasure?
mutual treasure is essentially a mutual aid plan, which will not be strictly regulated like insurance. The rules of how to compensate, how much to compensate and how much to charge are relatively free
the entry threshold of mutual treasure is very low, as long as sesame credit reaches 650 or above, it is qualified to participate
is mutual treasure really that good? Do you know the scope of mutual protection? Next, let's take a look at the content of mutual protection
2. Is mutual treasure useful?
in order to make it easier for everyone to further understand mutual treasure, the father put its security plan in a table:
< P > mutual treasure has three security plans, which are aimed at people of different ages, Let's analyze one by one:
1. Mutual aid plan for serious diseases
this plan allows people aged 0-59 to join, and protects 99 Kinds of serious diseases, mainly cancer. Among them, the maximum mutual aid fund for people under 39 is 300000, while the maximum mutual aid fund for other people is only 100000
2. The content of the chronic disease prevention plan is basically the same as that of the mutual aid plan for serious diseases, but it only protects cancer, which is narrower than the mutual aid plan for serious diseases
Cancer prevention plan for the elderlythe waiting period of these programs is 90 days, and the people who participate in the first two programs can directly join the elderly cancer prevention program when they reach the age of 60
is mutual treasure useful
the answer is Yes . As a mutual aid plan for serious illness, huhubao can help the insured group relieve the pressure of medical expenses to a certain extent, but the father thinks that this role is limited
Third, summary
I believe that through the analysis of father, we have our own answer to the question of whether mutual treasure is useful
in general, as a mutual aid plan for serious illness, huhubao really provides certain protection for people with limited economic conditions. However, in order to achieve better security, we should allocate corresponding critical illness insurance. If the budget is limited, we can consider regular critical illness insurance
if you still have any questions after watching, you may as well click "make an appointment with your father to solve your problem free of charge ~"
hope to adopt it
source: Nanpa Bao
The amount of money per month can be viewed on the interface
1, mutual charges specific charges, we can check in mutual protection, open Alipay mobile phone. p>
those who are in line with the health instructions should join decisively! Why not have such good welfare!
mutual protection on Alipay is not a liar. It can enjoy the benefits brought by mutual protection rules. P>
mutual protection is built by Alipay and Xin Mei together. No matter from the perspective of legality, there will be no possibility of cheating consumers. In order to obtain mutual insurance benefits, in addition to providing strictly prohibited audit data, we also need to go through the mutual audit of Xinmei and the publicity of ant insurance platform
only those who have no objection to the publicity can get the guarantee money, and the phenomenon of insurance fraud is basically stifled in the cradle. Alipay mutual insurance has been approved by the CIRC. If there is no policy support from the CIRC, there will be uncertainties. Later, the CIRC may observe and give some restraint policies. P>
extended information:
Alipay mutual insurance is introced as follows:
insurance procts are free into the insurance, do not need to pay insurance premium, the waiting period is 90 days. After the entry into force of the member protection, Alipay will automatically pay the premium and the management fee on 14 and 28 days of each month, and the apportionment amount of each claim case will not exceed 0.1 yuan. p>
members need to share the expenses equally when they pay compensation. If they don't pay compensation, they don't need to share the expenses. The specific amount of expenses to be shared each month depends on the number of compensation cases in that month. Not all Alipay users can join the mutual guarantee, only to meet sesame in more than 650, between the age of 18 to 59 years of age. p>