What is the difference between insurance and e mutual?

1) Different charging models: insurance is paid in advance, and e-mutual aid is paid afterwards according to the average cost.

2) The responsibility for risk is different: insurance bears the responsibility of rigid payment, and mutual aid does not bear the obligation of rigid payment, but only a fundraising platform, and the risk is shared; This determines that insurance companies are profitable, and mutual aid platforms are not necessarily profitable.

3) Different ways of dealing with risks: insurance companies do complex one-to-one risk planning, and e-mutual aid is to do single risk treatment, which has certain limitations, but it will also focus more on solving the biggest pain points of users.

There is a big difference between insurance and e-mutual.

First, the premium of insurance is linked to age, the older the premium, the more expensive the premium, when you miss the young insurance, when you need protection, you can no longer afford to pay the premium, can only run naked and wait for fate.

2. The threshold for joining the mutual aid guarantee is low, and as long as the health is within the specified age, you can join the mutual aid at any time. Moreover, the monthly mutual protection is low, compared with the insurance premium of several thousand, the mutual aid fund is only a cup of milk tea money, which can not only protect yourself, but also help others.

Looking at the vast crowd of people every day, joining the e-mutual aid member solves the cost of illness, and protects the face of borrowing money from relatives and friends, which can help the majority of members' families in difficulty.

There are different ways to make claims. Insurance pays the amount agreed in the insurance contract. The mutual aid plan requires members to apply for mutual aid, and after the preliminary review of the platform, the case information will be placed in the platform company for the company, and other members can raise questions during the publicity period, and if there is no objection, the mutual aid will be shared by other members, and finally conveyed to the consumer's personal account.

It is important to note that the actual amount of mutual aid that can be obtained is uncertain and there is no 100% guarantee that the mutual aid will be available.

E mutual aid and insurance are two concepts, insurance is to set the price first and then pay, and mutual aid in the membership period of the cost of equal payment after the fact, insurance is too expensive most low- and middle-income families can not afford it, and e mutual aid a year on average a person only needs one or two hundred yuan, there is no pressure to buy, not only to help the platform those families who need help out of the predicament, but also to have an extra protection! Therefore, e-mutual aid is a trustworthy platform for spreading love!

The difference between e-mutual aid and insurance, insurance is the first price payment, mutual aid is based on the average cost is paid later, simply put, insurance and mutual aid are different, commercial insurance is expensive and many people can't afford it, the threshold for mutual aid is low, everyone can pay it, and you can get a guarantee, so e mutual aid is the messenger of love.

A: 1The mode of charging is different:

Insurance is paid upfront, and e-mutual aid is charged based on the average cost.

2.The risk and responsibility are different, and it is not possible to bear the responsibility of rigid payment, and the platform of e-mutual aid is a donation platform, and the risk is shared.

3.The way of dealing with risk is different, insurance companies do complex one-to-one risk planning, and e-mutual aid is to do single risk treatment, which has certain limitations.

The difference between the two is that insurance is expensive and requires a large amount of annual premiums, and many people will be discouraged if their economic conditions are not met, while the e-mutual aid threshold is low and cheap, and it is paid afterwards according to the average cost, one or two hundred yuan per year, and we ordinary old Yum can easily get an effective protection.

E mutual aid and insurance are very different, joining e mutual, is a guaranteed mutual aid platform, there are many types of insurance, the cost is expensive, many people can't afford it, and e mutual aid has a low threshold, ** cheap, ordinary families can afford it, and many people can get a guarantee. In short, joining e-mutual aid is a real guarantee for yourself and your family.

The threshold for insurance is higher than that of e-mutual, the cost is high, and the threshold for joining is also high. eMutual aid is much cheaper to join and more expensive. eMutual aid is only one or two hundred yuan a year, and when it is not used, even if it is to help people in need, it is a great guarantee for oneself and one's family when it is really used.

Insurance is a fixed fee paid upfront, and e-mutual aid is an average monthly fee!

Insurance companies are profitable, and e-mutual aid is a public welfare platform.

There is a practical difference between mutual aid and insurance. Insurance is a fixed payment, and the cost is high, and the average family cannot afford it. eMutual aid is paid after the fact according to the average cost, which adds up to a lot, which is acceptable to the general public.

It is convenient for e-mutuality to join, insurance is completely different from e-mutual, the insurance cost is expensive and many people can't afford it, and the reimbursement procedures are cumbersome, the e-mutualization threshold is low and cheap, most people can afford it, many people can be protected, and they can help more people in need.

Insurance is different from mutual aid, insurance is expensive and many people can't afford it, the threshold for mutual aid is low and cheap, one or two hundred yuan a year, there is no pressure to buy, it can help others and protect themselves, so that many people who can't afford insurance can have protection, so e mutual aid is a messenger to spread love!

Insurance is different from e-mutual, insurance is expensive and many people can't afford it, the mutual aid threshold is low and cheap, and many people can get a guarantee; I have joined eMutual Aid for 1804 days and have helped 3202 Mutual Aid members, and eMutual Aid is a messenger of love.

Since I joined e-mutual aid and insurance, I found the difference between insurance and mutual aid, first of all, insurance is different from the compensation standard and joining form of mutual aid, and then insurance is more expensive than mutual payment, so that many low-income people can't afford it, and mutual aid belongs to the low threshold and cheap, so that many low-income people can get a guarantee after joining;

E mutual aid and insurance are completely different, the cost of insurance is high, many people can't afford it, e mutual aid is very cost-effective, one or two hundred yuan a year, there is no pressure to buy, it can help others and protect themselves, so e mutual aid is a messenger to spread love!

The difference between e-mutual aid and insurance, insurance premiums are relatively expensive, and the average family cannot afford to pay, so e-mutual aid is different, one or two hundred yuan a year to buy a guarantee for yourself, not only can help yourself but also help more people.

Insurance is for the purpose of commercial profit, and insurance is paid at a fixed price first; eMutual Aid is not for the purpose of making profits, and after becoming an eMutual Aid member, the fee will be paid afterwards according to the average fee.

Insurance is the first price payment, mutual aid is based on the average cost of the payment after the fact, simply put, insurance and mutual aid are different, insurance is expensive many people can't afford, the threshold of mutual aid is low, cheap, everyone can pay, and can get a protection.

eMutual aid is completely different from insurance, the cost of insurance is relatively high, and many people cannot afford it. E mutual aid is very cost-effective, one or two hundred yuan a year, the guarantee is relatively high, and there is no pressure to buy it at all.

e mutual aid is not insurance, it is a platform for everyone to help each other, I have joined mutual aid for 1239 days, insurance is different from mutual aid, insurance is expensive and many people can't afford it, the threshold for mutual aid is low and cheap, and many people can get a guarantee; eMutual aid is a messenger of love.

It is convenient for mutual aid to join, insurance is different from mutual aid, insurance is expensive and many people can't afford it, the mutual aid threshold is low and cheap, and many people can be protected.

In March 2016, I joined e mutual, and found that e-mutualism and insurance are different, because insurance is relatively expensive, there are still many people who can't afford it, and the threshold of mutual aid is low, cheap, only a few hundred yuan a year, so that many people can get a guarantee, I am for everyone, everyone is for me, it is a mandatory mutual aid platform.

Mutual insurance, which is voluntarily organized by a group of people who share common requirements and face the same risks, is a form of insurance that pays a share of risk loss compensation in advance.

The commonality between insurance and mutual insurance is mainly manifested in the fact that both insurance and mutual insurance are conditional on a certain range of groups; Both insurance and mutual insurance have the nature of "one person for many, all for one".

The difference between insurance and mutual insurance is mainly manifested in the following points: the mutual aid scope of insurance is aimed at the whole public, while the mutual aid scope of mutual insurance is limited to the members of its mutual aid group; Mutual assistance in insurance is its indirect consequence and not its direct purpose, whereas mutual assistance in mutual insurance is a direct purpose; Insurance is in accordance with the commodity economy.

In principle, commercial insurance is a commercial insurance activity that operates for the purpose of profit, while mutual insurance is a non-commercial activity for the purpose of mutual aid.

Summary. Hello, dear, the idea of mutual aid is good, but after all, it is not insurance, so there are still many drawbacks:

How about mutual aid? How is it evaluated?

Hello, dear, the idea of mutual aid is good, but after all, it is not insurance, so there are still many drawbacks:

1.Mutual aid plans are not insurance products, that is, the operators of such plans do not have insurance business qualifications and do not promise rigid compensation. 2.

The cost sharing is uncertain, and as time goes on, more and more people get sick, and so does the cost sharing, although there are currently mutual aid platforms that set a maximum amount limit, but it is still subject to change. 3.The benefits of the mutual aid plan are subject to change at any time, for example, Mutual Treasure has previously removed the benefits for mild thyroid cancer and mild prostate cancer without notice.

4.The current mutual aid plan is very simple, almost no coverage for mild and moderate illness, most of them are only serious illnesses, and some cover accidental death, which is not suitable for everyone. 5.

If you only have a Critical Illness Mutual Aid Plan, once the Mutual Care Plan is shut down, the coverage disappears. For example, in the terms of the mutual aid plan, it is clearly written: "We have the right to formulate a termination or adjustment plan."

6.The mutual aid plan cannot guarantee that the claim will be settled, and the mutual aid platform does not scientifically withdraw the liability reserve, nor is it strictly supervised by the ** department, and there is no sufficient guarantee in terms of compensation payment ability and financial stability, making it difficult to achieve continuous operation. In the event of a risk event, the platform itself does not assume the responsibility for payment and cannot guarantee the amount of compensation promised.

The above is my reply, thank you for the consultation.

Mutual insurance is a form of insurance that is voluntarily organized by some people who have common requirements and face the same risks, and is a form of insurance that pays a share of risk loss compensation in advance. Mutual insurance is different from insurance, and this form of mutual insurance has existed in various mutual aid and cooperative organizations. Insurance and mutual insurance have both commonalities and differences.

Extended reading: [Insurance] How to buy, which one is better, teach you to avoid these insurance"pits"

Hello, I'm glad to answer for you, mutual insurance is useful! 1] Mutual insurance has an important supplementary role in the basic medical insurance of social insurance, which can supplement the part of social insurance that is insufficient, so that individuals can obtain more adequate protection in the event of an accident. It will help to strengthen the sense of self-protection of employees, optimize the consumption structure of employees, and make part of the consumption into construction, and the actual consumption into delayed consumption.

To further reduce the burden of employees, when there is illness or unexpected disasters, you can get compensation ranging from 10,000 yuan to tens of thousands of yuan. 3. Hope my reply is helpful to you, thank you! 

Summary. Dear, hello, many people around me have joined e-mutual, e-mutualism is fake, it is a fraud, you don't join.

Many people around me have joined e-mutual, but I don't know if e-mutualism is true or false?

Dear, hello, many people around me have joined e-mutual, e-mutualism is fake, it is a fraud, you don't join.

None of the so-called mutual aid platforms on the Internet are real and reliable, and even Alipay's mutual treasure can't operate.

Network mutual aid is a primitive form of insurance combined with the Internet, using the information matching function of the Internet, members promise to bear each other's risk losses through an agreement, in order to avoid excessive individual burden, it is agreed that a single mutual aid fund does not exceed a certain number of yuan, and avoids solvency problems.

In layman's terms, a policy that pays $300,000 may require you to pay thousands of dollars per year in the traditional insurance industry. On the online mutual aid platform, you only need to pay tens of yuan every year. On the other hand, compared with the traditional insurance with dozens of guarantee contents, careful algorithm design, the logic of some serious illness online fundraising platforms is more concise, in the case of Ali's mutual treasure, the compensation is only roughly divided into two levels of 300,000 and 100,000 according to age, and there is no other differentiated design.