With tens of millions of members every year, is there really that many members of Hubao?

I think there should be a lot of help for this person, because he is a relatively large software after all. As we all know, the "mutual treasure" in the "auspicious three treasures", I estimate that many people have regarded this baby as the guarantee for the rest of their lives, and even feel that there is no need for critical illness insurance and medical insurance.

From "Internet + insurance" to "Internet + mutual assistance" of the common wealth. Some people boast about this product, and some say it is black. Is it good or bad?

Is it worth joining? Let's see. "Mutual Insurance" was originally a serious illness insurance of Xinmei Life Insurance Co., Ltd. **** Mutual Insurance Group, which was jointly launched by Ant Insurance and Xinmei Mutual Insurance, but now Xinmei Life Insurance Co., Ltd. has withdrawn due to suspected violations, and "mutual insurance" has quietly become "common wealth" and re-emerged.

"Mutual Insurance" is an insurance product filed with the China Insurance Regulatory Commission, while "Common Wealth" does not involve insurance companies, but is only a form of mutual aid based on the network platform, which is not fundamentally different from the crowdfunding model of platforms such as Water Drop Mutual Aid and e-Mutual Aid. First of all, it is necessary to correct the concept, claims is a professional term of insurance, and mutual aid is not an insurance product that is not accurate in the use of mutual aid products, so the question should be: is mutual aid difficult?

How do I apply for mutual aid? Won't they help each other? Claims are really a big problem in the insurance industry, and so is mutual aid, so how should users of common wealth apply for mutual aid?

After the evaluation of the previous links, the platform will disclose the case information and accept the supervision of members. At the end of the publicity period, if there is no objection, they can receive mutual aid funds. During this period, if other members report the case and there is sufficient evidence to prove that the principle of mutual assistance is not in violation, the case may be tried again or even not allowed.

This is also a big difference between mutual aid and insurance claims.

Mutual treasure is trustworthy and reputable. In the future, those insurance companies will be canceled by Hubao. My friends around me are sick and have cashed in. You can join.

I think there should be so much, otherwise he wouldn't have that much money.

The number of members of mutual insurance is indeed quite large, and it is ** every year.

He has helped a lot of members, but he also has some limitations.

Daddy doesn't recommend everyone to join, after all, he is not an insurance product, but a protection plan, Daddy recommends that you do a good job of insurance configuration first, and then consider whether to buy Mutual Treasure.

A one-year group critical illness insurance policy with no guaranteed renewal is more suitable as a temporary transitional protection or a supplement to long-term critical illness insurance.

In order to better understand this product, let's take a look at the protection plan of Hubao.

It can be seen that Mutual Treasure is composed of 3 mutual aid programs, covering 99 types of critical illnesses, cancers and 5 rare diseases. The age of the people who joined the population ranged from 30 days to 69 years.

To sum up, if you want to buy this product, you need to meet the following three points:

1.Eligible for health notification.

2.Be under 69 years of age.

3.Sesame Credit has a score of 650 or above.

Although the threshold for joining is relatively low, it depends on whether this product is worth joining, and the dad feels that it needs to be compared from many aspects, 1) From the perspective of the scope of protection, the mutual treasure mutual aid plan only covers critical illness and cancer, and does not involve the protection of moderate and mild diseases, so the protection can only be said to be barely up to the standard.

2) From the point of view of premium payment, Hubao adopts the model of "protection first and then payment", which seems to be very scientific, but once the person is added to the critical illness and cost sharing, there is no fixed amount, so there is uncertainty in the premium.

3) From the perspective of the sum insured, for people over 39 years old, the maximum amount of insurance is only 100,000, if a critical illness really occurs, this cost may not be enough to transfer the financial risk.

4) From the perspective of the terms of the insurance plan, because it is a mutual aid plan and it is a one-year plan, the terms of the insurance may change at any time, and the rights and interests of the insured cannot be protected for a long time.

The biggest advantage of Hubao compared with these popular products is that the threshold is low, and it adopts the method of "protection first, then sharing", which can be used as a temporary critical illness option.

Considering the "instability" factors mentioned above, Daddy feels that he should still choose a real critical illness insurance as protection.

Because Mutual Treasure is only a guarantee for critical illness, if you want to have more complete protection**, you can consider the products in the **, but the above products also have their own advantages and can be more subdivided.

2. If you value the number of claims for moderate illness: you can consider Guofu Life's Jiahebao Critical Illness Insurance, which has 3 claims;

3. If you value the excess compensation for critical illness before the age of 60: you can consider Hengqin Life's preferential treasure, which can reach 160%;

4. If you value the second claim for cancer: you can pay in advance, you can consider Hetai Life's Super Mario 2020pro

5. If you value additional compensation for specific benign tumors: you can consider Hetai Life's Super Mario 2020

Mutual treasure is still good overall, the disadvantage is that the protection is insufficient, the age is more than 100,000, the protection is left 10w, and there is no guarantee if you are more than 60 years old.

In addition, long-term critical illness insurance should also be considered, because the older you are, the greater the probability of getting a critical illness.

More than 100 million people in China have joined Hubao. There must be you in this. When you joined, was it clear or confused?

I am Uncle Groove, the author of "Your First Insurance Guide", and I will spend 10 minutes across the three major fields of the Internet, mutual aid, and insurance to do a hard-core science popularization for you.

Personally, I don't think it's worth joining, because you need to donate money to it every month, and there are not a lot of serious illness compensations, and you can only choose the people he wants to help by Alipay, so I personally think it's better to buy commercial insurance.

Mutual Treasure is not a commercial insurance and cannot give you the predetermined amount of insurance. 1,000 people participated, 5 people had an accident and barely coped with the insurance amount, the insurance amount for more than 50 people was halved, and the insurance amount for more than 100 people was 0.

Mutual treasure refers to mutual aid programs implemented on the Internet. In my opinion, if there is a real need, Hubao is worth joining, his risk is low, and the threshold for joining is low.

Mutual treasure is a kind of product used for charity and financial management, and it is worth joining, and many people are using it.

It's not worth joining, first of all, it's not insurance, but also refuses to pay, and the things that civil organizations help each other, and refuse to pay? Litter.

The payout threshold of mutual treasure is high, and I am extremely disappointed! My mother joined Hubao in October 18, unfortunately diagnosed with breast cancer this year, and after applying for mutual aid, I found out that my mother had a thyroid nodulogram in the hospital for 17 years of minor tonsil surgery, but the doctor did not tell us at that time and did not say that there was a problem. Later, in November 18, the physical examination color ultrasound showed that there was a thyroid nodule that was the kind with a regular border, and the thyroid gland was fine.

Mutual treasure on the time to say that do not meet the health requirements, in October to join the November physical examination report shows that there is no problem, this year's examination of thyroid color ultrasound also prompted that it is three categories, if there is a problem with the thyroid gland can not change over the years, and the application is breast cancer and the thyroid gland has nothing to do with it, if there is a problem with the breast before joining the non-compensation is excusable, the compensation of mutual treasure is too unreasonable, wasting the goodwill of helping others in the past two years, and there is no way to wait until you need help! Extremely disappointed!!

It is a financial product, and whether it is worth joining depends on your insights and opinions about this product.

My opinion is that it is necessary to join Mutual Treasure. It doesn't cost much, about 200 a year, even if you feel bad and want to quit in the future, the money you have paid is regarded as a regular monthly donation, and there is no loss.

Because there are few health requirements to join Hubao, there are no occupational restrictions, unlike some insurance companies that have strict occupational restrictions, and Hubao needs to share very few expenses every year. Therefore, it is still necessary for us to join Mutual Treasure to give ourselves a guarantee. Because Mutual Treasure can be withdrawn at any time, there is no need to worry about not being able to quit.

We also don't have to worry about the problem of compensation, because every mutual aid case of Hubao will be strictly investigated by a professional investigation agency. The content of the investigation includes the applicant's illness and medical treatment, and the applicant's previous medical treatment records to ensure that the user meets the "Health Requirements" and mutual assistance conditions of Hubao.

Because of these systems, it is guaranteed that every case can comply with the rules of mutual aid, so that every mutual aid fund can help those who really need help. So we don't have to worry about not paying, being cheated, paying unfairly, and so on.

the origin of mutual treasure;

Mutual Treasure is a serious illness mutual aid program launched on the Alipay app on October 16, 2018, and is the world's largest mutual aid community. According to the concept of "one person is sick, everyone shares", after joining the eligible members, if they encounter a major illness (99 serious diseases + malignant tumors + specific rare diseases), they can apply for a mutual aid fund of 300,000 yuan or 100,000 yuan, and the cost will be shared by all members to share the risk of serious illness.

Yes, and it worked.

What should I pay attention to when visiting each other?

In addition to the information review for the members who apply for mutual aid, there will also be a face-to-face interview, if the interview is passed, after publicity, the mutual aid fund will reach the member's account within the specified time.

Under normal circumstances, the face-to-face interview is mainly to verify the illness of the member, and the patient can answer the interview questions truthfully and provide relevant information. In addition, Hubao will also entrust a third-party investigation company to go to the hospital for door-to-door investigation to ensure the compliance and authenticity of the claim case and put an end to insurance fraud.

Precautions for adding mutual treasure:

1. You must read the health notice carefully when joining, and you cannot join if you do not meet the health notice; If you need to take medication for more than 30 consecutive days or be hospitalized for more than 15 consecutive days due to illness in the past two years, it is not eligible.

2. If it is verified that the health status does not meet the health requirements, it will lead to automatic withdrawal from the plan, unable to obtain mutual assistance, and the shared amount will not be refunded.

3. In order to prevent the risk of joining the company with illness, the waiting period of the mutual aid plan is 90 days. Generally speaking, if you are in good health, the threshold for joining Hubao is very low, and the amount of money apportioned is about 200 yuan per year, but it is unpredictable how the amount will change in the later period, so you can determine whether to join according to your actual situation.

Mutual treasure is worth joining as a supplement to DU long-term critical illness insurance. It is estimated that the apportionment fee recovery of Hubao will be lower than that in the past two years.

A: One-year critical illness insurance with the same coverage.

There is basically no threshold for the addition of mutual treasure, but there are also some thresholds, such as people who have been taking medicine for a long time, people who have been sick, hepatitis patients, etc.

The threshold is very low, as for whether someone will claim it, it is estimated that the possibility is extremely low, because the Internet is so developed now, you have to upload medical records, and you have to strictly review it to get this money. If there is a dispute, there is also a jury that votes on whether or not to give the money. Therefore, mutual treasure is still quite valuable to participate.

In recent years, people have been able to apply for mutual aid from 0 to 70 years old, and most of them are cancers and craniotomys. It can be seen how important it is to be healthy, and it is the most important thing to live every day, because no one knows when the disease will come to the door.

Therefore, as a supplement to insurance, mutual treasure is worth considering, not only to have their own protection, but also to help those in need, which is the sublimation of China's traditional virtue of helping others.

1. The content of the guarantee can be changed at any time

Since Hubao is not regulated by the China Banking and Insurance Regulatory Commission and is not bound by legally effective contracts, it can change the content of protection and the amount of compensation.

2. The statute of limitations for claims is not fixed

Through the statistics, we can see that although the data in July 2019 is only apportioned by each person, it has increased by 50 times compared with February. Part of the reason may be that more and more people need to make claims, and the pressure of investigation is greater, and insurance generally needs to make a claim conclusion within 30 days after receiving the claim report, and the insurance timeliness is better.

3. There is uncertainty in obtaining a claim

In the promotional materials of Hubao, it can be seen that there will be some situations where mutual assistance cannot be obtained, such as being affected by national policies, technical networks, or the number of people.

Mutual treasure is undoubtedly a means of sharing risks, but it is not insurance, and insurance is very different, and the ability to resist risks is very limited. Whether it is worth joining or not requires you to weigh whether you can accept his risk and make a decision through rational judgment.

This kind of platform is actually really good, if you don't care much about some small money, you can join.

Clause. First, the platform is large, Alibaba's platform, the platform guarantees security, so everyone can rest assured.

Clause. Second, the influence is large, with more than 100 million users, including nearly 1 10 of China's population, that is to say, many people can have funds to support treatment when they get a serious illness, and if they are people who have no money, they can also be effectively treated if they suddenly get sick; If you have some money, you will not be able to spend all your hard-earned money if you suddenly get sick and be cured.

Each person is about a few dollars deducted every month, and the money for a breakfast, most of them are fine, which is equivalent to buying an insurance, if it has been safe, then it is very good. If you suddenly fall seriously ill, you can enjoy the support of treatment; Usually being deducted a few dollars a month, it is also a gratifying thing to see so many people being treated, after all, if you only rely on yourself, some people will not be able to deal with sudden serious illnesses, and mutual treasure has given more people hope.

As of today, since the launch of Mutual Treasure, the official announcement has 179127 people have been helped, this number is very huge, not only 179127 people, but also 179127 families, and the number of related people is as high as one million. Hubao supports rare sudden serious diseases, such as acute myocardial infarction, craniotomy, lung cancer, liver cancer, stomach cancer and other major diseases. Physically and mentally can be faced slowly, and money is sometimes a hurdle, and mutual treasure is a place where ordinary people can pass the hurdle.

I have joined Mutual Treasure very early, the early deduction per month from a few cents to the current few dollars, although the amount is increasing, but more and more people are helping, the official statistics are already 138224 people, this look at this number, only to find that I have also helped so many people. Hopefully, they've all gotten through it, overcome the disease, and return to normal.

It is expected that more and more people will join Hubao and deal with sudden difficulties together; I also hope that Hubao will be more standardized and transparent, so that everyone can know where the money is being spent and whether it is being spent correctly. Come on!