It seems that the mutual treasure that is guaranteed to be earned, what is behind it?

However, it should be noted that before joining the "mutual insurance", Alipay will conduct a strict review, and if it does not meet the listed conditions, it cannot join the "mutual insurance". And the greasy thing of mutual treasure is that the cost will be higher and higher in the later stage.

On the day of the Chung Yeung Festival (October 17), Alipay suddenly announced the launch of an insurance product - "mutual insurance", and in just a few dozen hours, more than 3 million people joined.

So far, more than 8.6 million people have joined, 3.6 million more than Alipay's original plan of 5 million.

With such a rapid growth rate of insured users, it is generally believed that this is a "big **" in the insurance industry. What tips did mutual protection use to make the public so popular? Is this so-called "1 cent life-saving" product really that good?

Ant members (under 60 years old) with a sesame score of 650 or more can join the "mutual insurance" for 0 yuan and get protection for 100 serious illnesses, including malignant tumors.

In the event of a benefit arising from the illness of another person, the person who joins the "mutual insurance" participates in the cost sharing. If you are sick, you can receive a lump sum benefit.

In other words, you need to meet 4 conditions to join the "mutual insurance": first, you are older than 30 days old and less than 59 years old; Second, the sesame score is greater than 650 points and above; the third is ant members; Fourth, be in good health.

If there is no objection to the publicity of the case, A can receive the benefit. If A is between the ages of 30 days and 39, he can receive $300,000. If A's age is 40 - 59, he can only receive $100,000 in security.

Because Hubao seems to make a steady profit, there will be a lot of people who use it, and then it will make money by traffic or something, and it will not lose itself.

In fact, it is very simple, as a mutual aid fund, mutual treasure can be said to be a sure win. All risks are shared equally among Hubao users. He acts as an intermediary and only charges a management fee.

In other words, he is the opposite of the insurance company, the more the insurance company loses, the more the company loses. The more Mutual Treasure claims, the more profitable it will be. So please don't believe that Hubao deliberately does not make claims, only the insurance company deliberately does not make claims, and Hubao wishes that all users can get claims.

I think this thing may be hiding a lot of unknown secrets behind it, so you should be careful.

The greasy behind it is something that ordinary people can't see, so he can lie to you, so don't trust each other.

First of all, he uses more people, so he will naturally have profits, and he doesn't pay for this mutual insurance itself, so he won't worry about losing money.

The reason behind this may be that the probability of people getting sick is getting higher and higher, and there are more and more people seeking help online.

Profitability is a must, because there are so many users, almost all of them are almost 10 million.

He's going to be a lot of people using it, and then from those people who use it people will make money.

It must be the boss behind it who invests in the money he makes in order to collect money.

It should be a kind of heat, the more people who use it, the more you can get.

There's nothing wrong with that, it should be a stable way to make money.

I guess the more people there are, the more profitable it will be.

Mutual Treasure is a serious illness mutual aid plan jointly launched by Ant Insurance and Sesame Credit Cooperation, and it is not insurance in the true sense.

The essence of Hubao is a mutual aid plan, which will not be strictly supervised like insurance, and the rules such as how to pay, how much to pay, and how to charge fees are relatively free.

The entry threshold for Mutual Treasure is very low, as long as Sesame Credit reaches 650 points and above, you are eligible to participate.

Friends who are struggling with whether to join can take a look at this article first: "Mutual Treasure Serious Illness Mutual Aid Plan: Protect first and pay later, is it really worth joining?"

There are a total of three protection plans for different age groups, which we analyze one by one

1.Serious Illness Mutual Aid Program

This plan allows people aged 0-59 to join and covers 99 critical illnesses, mainly cancer, of which the maximum mutual aid for people under the age of 39 is 300,000, while the rest of the population only enjoys a maximum of 100,000 mutual aid.

2.Chronic Disease Cancer Prevention Program

The content is basically the same as that of the Critical Illness Mutual Aid Plan, but the only diseases it covers are cancer, which is narrower than the Critical Illness Mutual Care Plan.

3.Cancer Prevention Program for the Elderly

Hubao's elderly cancer prevention plan is different from the previous two, it is aimed at the elderly aged 60-69, and the maximum mutual aid is only 100,000 yuan.

The waiting period for each of these programs is 90 days, and people who participate in the first two programs can directly join the geriatric cancer prevention program when they reach the age of 60.

In general, as a serious illness mutual aid plan, Hubao does allow people with limited economic conditions to obtain a certain amount of protection. However, Daddy thinks this role is limited. You can consider taking out insurance as appropriate.

Hope the above information is helpful to you!

Mutual treasure is credible.

Hubao is a serious illness mutual aid program on Alipay, is the world's largest mutual aid community, if members encounter major diseases (99 major diseases + malignant tumors + specific rare diseases), they can enjoy a maximum of 300,000 yuan of mutual aid, the cost is shared by all members.

Mutual treasure, social security, and commercial insurance do not affect each other. If you already have social security or commercial insurance, you can also join Hubao. When applying for mutual aid, members can enjoy a maximum of 300,000 yuan of mutual aid if they meet the conditions for mutual aid through investigation and review, which is not directly related to social security and commercial insurance.

The so-called mutual insurance refers to the insurance activities in which a person with homogeneous risk protection needs becomes a member by entering into a contract and pays premiums to form mutual assistance**, and the ** bears the liability for compensation for the losses caused by the accident as agreed in the contract, or bears the responsibility of paying insurance money when the insured dies, is disabled, sick or reaches the age and time limit agreed in the contract.

According to the rules of "mutual insurance", it is publicized twice a month and apportioned twice. On the date of publicity, all confirmed compensation cases that occur during the period will be publicized and objections and appeals will be accepted on the premise of appropriately hiding sensitive information.

The guarantee money generated by all claims without objection, plus the prescribed 10% management fee, will be shared equally by all users on the apportionment date. The actual amount of equal sharing depends on the actual situation of each period. In a single insurance case, the amount allocated to each user will not exceed 1 cent.

Reliable, mutual treasure bailouts are based on membership rules and mutual aid clauses to ensure fairness and justice for all members.

As long as the conditions for joining, membership rules, and the terms of the mutual aid plan are met, and the diseases are within the scope of mutual aid (malignant tumors + 99 major diseases + specific rare diseases), mutual treasure will provide assistance to mutual aid applications that have no objection after investigation, review, and publicity. Users who do not meet the rules of community mutual aid will not be able to receive mutual aid funds.

The answer is useful, as a serious illness mutual aid plan, Mutual Treasure can help the insured group to relieve the pressure of medical expenses to a certain extent, but the role is limited, first of all, the maximum mutual aid is only 300,000, the amount is not high, and the protection content is mainly for cancer, and the protection is not comprehensive. Mutual treasure is still possible as a supplement to critical illness insurance, after all, the cost is not high.

Question: Why do you have to deduct each other two or three times a month, and you deduct more than 7 yuan, how to quit?

The steps to exit can be like this.

Please wait for 2 and then click on "Ant Insurance".

3.Then find "Mutual Treasure" and click to enter.

Hello, Alipay's mutual treasure is reliable, and this is a function of Alipay. For those who don't know much about Mutual Treasure, you can take a look at this article: "Mutual Treasure Serious Illness Mutual Aid Plan: First Guarantee and Pay Later, Is It Really Worth Joining?" 》

My personal experience, I advise you to join the friends of Hubao, if you have not been to the hospital so far, there is no special fever and cold, blood pressure has not been measured, no CT has been done in the hospital, in a word, can not have a little reason that can be used as an excuse, remember, is a little, if not, congratulations, Hubao is indeed a cheap and secure mutual aid platform, on the contrary, as long as you have a little problem, not a serious illness, such as a very common cold ( It's not that a cold will cause you to be unable to apply for mutual aid once you have an accident, but it may cause you to be unable to receive it, because a cold may make your body test data appear some abnormal performance, because the human body is different, and the performance is very different, so I dare not guarantee it, of course, this is not just a cold, it may also be a very common problem, such as heat stroke, especially for women, and for example, some aunts have menstrual cramps,) Once you enter the hospital, It's a joke that the hospital's medical records may make you join the mutual treasure, if you exaggerate, the sky is thundering, of course, I hope everyone is safe and sound, and you will never need the mutual insurance fund. This is the most perfect, this post is just to remind you to join the friends of the mutual treasure, to avoid when there is really misfortune, to avoid some unnecessary troubles, no one wants to add fuel to your misfortune, because it is possible, remember to say again, it is possible, one of your symptoms mutual treasure can give you infinite amplification, not to mention whether you have a misfortune, because the mutual treasure is only for seeing if there are symptoms that can be infinitely magnified, if not, it is basically possible to get the mutual aid fund smoothly, If there is a little bit of a small problem that can be grasped, as I said above, it may lead to you joining Hubao is a joke, saying that these may be too exaggerated, this I also hope that everyone thinks so, I hope I am too exaggerated, I didn't expect that the big platform with Alipay background is also a child's play, I am just an unfortunate person who has experienced this kind of thing, I advise you to read the health notice carefully, and carefully recall whether some symptoms may be infinitely amplified, forcibly pressed into the disease inside, Because as long as it is possible, it is true in Hubao, the so-called possibility is that they think that one of your body data may be at risk, it will definitely be rejected, and it will be rejected if it is not truthfully informed of the previous health, and finally I wish all friends who join Hubao a safe life! Don't ask me about the specific process, it's useless, because you can't change the result, as long as you read and study it carefully, you can be considered responsible for your own future!

If you ask me about mutual treasures, it will be useful! After all, there are quite a few people who have already successfully made claims!

However, as the apportionment amount is getting higher and higher, and the price is rising, many people are helpless.

For example, in the latest apportionment, the Serious Illness Mutual Aid Program is more than 7 yuan, and the monthly apportionment amount is 15 yuan +.

Xiaoxing roughly estimates, a year: 15 * 12 = 180 yuan.

Now young people go to buy a one-year critical illness insurance (take Ping An's one-year critical illness insurance as an example), with an insurance amount of 300,000 yuan, 21-25 years old, and the premium is only about 160 yuan; Obviously, mutual treasure is no longer cost-effective for young people in their early 20s;

For those aged 26-30, the premium is about 260 yuan, and it does not have obvious advantages, because Hubao also has uncertain protection and is at risk of dissolution at any time.

At present, Mutual Treasure is friendly to people over 30 years old, but with the increase in the apportionment amount, it will lead to relatively young users constantly leaving and quitting Mutual Treasure, and the rest are relatively high loss ratios or older ones; The decrease in the total number of people and the increase in the number of claims will lead to a further increase in the apportionment, which will further lead to the withdrawal of healthy young people and thus fall into a death spiral, but it is happening: the number of people who share the mutual treasure is decreasing.

In terms of risk, it is recommended that everyone, like Xiaoxing, take the whole insurance bar to deal with future risks. In this way, even if you are seriously ill and have an accident, you will not be able to work for months or even years, and your income will be interrupted, it will not affect the life of your family.

And this premise requires us to prepare protection, such as: critical illness insurance, million medical insurance, accident insurance, life insurance, in case of unpredictable needs!

Critical illness insurance addresses the risk of critical illness by paying all the benefits in a lump sum, regardless of where it is used;

Million medical insurance is used for reimbursement of medical expenses for serious illnesses, and now many products are 100% reimbursement for serious illnesses to solve daily medical needs;

Accident insurance deals with the risk of accidents, and when an accident causes death and disability, the corresponding insurance benefits can be paid according to the specific circumstances.

Life insurance deals with the risk of death, and when death is caused by illness and accident, you can pay the money to your family and continue to keep the family on your behalf.

If we can't afford long-term critical illness insurance because of temporary embarrassment, it is also recommended to choose a million-dollar medical insurance, even if it is a one-year term, in short, something is better than nothing.