If the mutual treasure stops, is the previous one in vain?

It's not for nothing. It will be guaranteed with the previous money.

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.

In 2019, the actual apportionment amount of Hubao for the whole year was 29 yuan, far lower than the estimated maximum line of 188 yuan. It is expected that in 2020, the annual apportionment amount of Hubao will still not exceed 188 yuan.

Criteria for applying for mutual aid:Mutual Treasure is 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.

Many people join Hubao, are attracted by low sharing, high protection, at the beginning of a few cents a month, or even a few cents of apportionment, you can enjoy tens of thousands or even hundreds of thousands of serious illness protection, which is very attractive to anyone. This is also another way of serious illness protection in addition to the national health insurance, which is completely voluntary.

The amount of protection of mutual treasure is not high, which can solve the urgent need, but it cannot replace commercial insurance, and can be used as a supplementary protection for commercial insurance. If you rejoin after withdrawing from Mutual Treasure, you need to recalculate the waiting period before you can rejoin.

Answer: Merchant insurance is only a guarantee, that is, what you give to others every month is to help others, which is equivalent to public welfare! If this merchant treasure is stopped, it is indeed your previous donation, no matter what, it is the wrong volume?

Unless you have a problem with your own body, and you feel that this mutual protection is not harmful to you. If your body has always been healthy, this kind of mutual expression of you is a public welfare act, so he will not have any compensation measures.

Summary. Hello, yes, if no major illness occurs, it is in vain.

If the mutual treasure stops, is the previous one in vain?

Hello, yes, if no major illness occurs, it is in vain.

First of all, the teacher will tell you why you will stop operating mutual insurance.

Because Alipay's mutual insurance is not insurance. Rather, it is a mutual aid program launched by Alipay.

Others say that Hubao is closed, do you still need to continue to renew?

Those who participate in this mutual aid scheme share the cost of mutual aid in each installment.

To apply for a mutual aid program, Alipay needs to review and publicize it.

This is not an insurance product and is not protected by a contract.

Therefore, it was expressly prohibited by the China Banking and Insurance Regulatory Commission from stopping.

This mutual aid program was also discontinued.

If there is no major illness during the previous payment period and apply for mutual aid.

Then this premium is equivalent to what you can understand as a white religion.

It's like buying car insurance.

There is no insurance during the insurance period, and the premiums for each year are paid in vain, right?

Then how to ask for a suspension of the trial.

There is no need to apply for a suspension.

Mutual insurance ended on January 28.

Shut down. Alipay has launched an alternative product, which is a critical illness insurance product of insurance companies.

Like Health No. 1, specific disease insurance with buried health blessings, etc., these are the critical illness products of the insurance company launched by Alipay after the termination of Mutual Zhixing Gaobao, which have contracts. Ride a ruler.

If you do not choose to upgrade, the mutual insurance does not need to be suspended and closed, and the system will automatically terminate the mutual insurance, and the deduction will have been stopped from January 28, 2022, and the subsequent mutual insurance claims will be paid by the Alipay platform to bear the capital compensation and prepare for payment.

1.The reason why Hubao stopped operating was mainly due to regulatory reasons and the impact of Ant Group's failure to go public.

2.Because although Mutual Treasure can protect the members of the membership in the event of a serious illness such as malignant tumors, a mutual aid payment is not strictly speaking, but a mutual aid plan, so it is not within the scope of the insurance law. When Ant Group carries out rectification, it must be included in the supervision as a whole, and for the relatively special existence of Hubao, which is not insurance, it can only choose to shut down without corresponding regulatory regulations.

However, if you still need relevant protection, you can also consider purchasing Healthy Fu Cancer Prevention No. 1 (Elderly Edition), Healthy Health Blessing Cancer Prevention No. 1 (Chronic Disease Version) or Healthy Fu Critical Illness No. 1 (Serious Illness Version).

3.There is also the impact of Ant Group's listing failure, Ant Group mentioned in its previous listing prospectus that if the relevant ** department issues regulations on network mutual assistance and such regulations put forward higher regulatory requirements for Hubao's operating model and process, Hubao will adjust its operating model and process within the specified time to meet compliance requirements; If Mutual Treasure is unable to meet the compliance requirements for various reasons and is not suitable for Ant Group to continue operating as a listed company, Ant Group will divest Mutual Treasure business, which made many people question Mutual Treasure at that time, and with the suspension of Ant Group's listing, it will have more or less an impact on Mutual Treasure.

Extended Materials. About Mutual Treasure.

Mutual Treasure is a serious illness mutual aid service launched on the Alipay app on October 16, 2018, and members who join can enjoy a guarantee of 300,000 yuan or 100,000 yuan in the event of a major illness (ranging from 100 kinds), and the cost is shared by all members. Hubao promised that the annual apportionment amount in 2019 would not exceed 188 yuan, and the excess part would be borne by Ant Financial, which is equivalent to having a bottom line. If members participating in the mutual aid program want to apply for mutual aid funds, they need to submit relevant materials (including identity documents, disease diagnosis certificates, etc.) on the application page, and after the platform investigation and review, the case will be publicized and fundraised, and the mutual aid funds will be allocated to the applicants within 1-3 working days.

Mutual treasure shutdown reason:

1. Driven by the general environment, in recent years, a number of online mutual aid programs have been announced to be shut down, and platforms such as Meituan Mutual Aid, Water Drop Mutual Aid, and Easy Mutual Aid have announced their closure, indicating that the general environment of online mutual aid is getting worse and worse, and it also shows that the norms of the industry are becoming more and more obvious.

Second, the popularity is getting lower and lower, at the beginning, many people followed the trend to join the mutual treasure, and after a period of time, they found that it was useless to themselves, and the apportionment money became more and more expensive, so more and more people withdrew.

3. Ant Group.

In the aftershocks of the failure of the listing, Ant Group mentioned in its previous listing prospectus that if the relevant ** departments have issued regulations on network mutual assistance and these regulations have a negative impact on the operation model of Hubao.

and processes put forward higher regulatory requirements, and Hubao will adjust the operating model and process within the specified time to meet the compliance requirements; If Mutual Treasure is unable to meet the compliance requirements for various reasons and is not suitable for Ant Group to continue operating as a listed company, Ant Group will divest Mutual Treasure business, which made many people question Mutual Treasure at that time, and with the suspension of Ant Group's listing, it will have more or less an impact on Mutual Treasure.

Before the official shutdown of Hubao, if you meet the conditions for claims, you can still apply for compensation, and the compensation will be borne by the platform.

Extended Information] Mutual insurance is provided by Ant Financial.

Xinmei jointly launched a mutual-aid health insurance service, mainly for ant members, with the characteristics of low threshold for critical illness protection, high transparency, and mutual assistance. The service was launched on the Alipay platform on October 16, 2018, and was later changed to an online mutual aid plan, and mutual insurance was upgraded to mutual treasure. On December 28, 2021, Hubao announced that Hubao is scheduled to stop operating at 24:00 on January 28, 2022.

As of the date of the announcement, the existing Hubao members will no longer participate in the mutual aid and sharing.

The standard of mutual treasure claim is that the member has joined the mutual treasure for 90 days (from 0:00 on the next day of joining the plan, including the 90th day). During this period, only serious illness caused by accident can be applied for by members under other circumstances except for mutual aid funds.

It is not possible to apply for mutual aid. The critical illness coverage of Mutual Aid is malignant tumor.

99 Critical Illnesses + Specific Rare Diseases.

If the insured's problems are not covered by the insurance, or the conditions for serious illness are not met, the insured will not be able to apply for the mutual benefit benefit.

Mutual Treasure is a transactional critical illness insurance. In essence, the amortized insurance costs are not refundable in the first place, and they will not be refunded even if the business is not suspended for rectification, and only if you suffer from a critical illness, you can apply for compensation. Now that the mutual treasure has stopped, everyone's protection has also stopped.

Hubao is a network insurance, and the suspension of business for rectification should also be an adjustment affected by the relevant provisions of the CBIRC No. 108 document, but other commercial insurance on Alipay's wallet does not seem to be harmful, and the previous purchase can still enjoy the normal guarantee. From the very beginning, Hubao was a pseudo-commercial insurance similar to consumer insurance.

It doesn't have to be thought of as a long-term paying off business insurance. If you want to have profitable and long-term effective insurance or get an insurance company with a life insurance business process to buy insurance, the general insurance company's critical illness insurance** is about 2,000 yuan, and you can return the principal. Reliable commercial insurance is not allowed to unilaterally change the text of the contract, but Hubao can change the agreement privately, which is the main reason why China wants to save the rights and interests of the majority of people.

This is also the main reason why I quit Hubao last year.

Just like a car insurance company, the customer as a beneficiary can choose not to pay social security, can be an insurance company, you have so many customers in the early stage, in the contract period you can not say that it will fall, then who guarantees the rights and interests of users? This has become a credit issue in the financial and insurance industry, and to put it more broadly, it is related to the interests of the people, the credibility of the commercial service guarantee mechanism, and the risk and security risks, which is not a trivial matter. But we have to understand that the "mutual treasure" thing is a mutual aid system, not commercial insurance.

Otherwise, it will not come to the point of shutting down business for rectification with the rapid development of the current policy situation. After all, it's helping each other, there is a problem among the group members, everyone shares it with each other, and now it's not done, and it's not evenly shared, it's just that the part of the group members who were evenly divided in the early days is a little unbalanced, which is also normal, after all, people are definitely spending money in vain, but we have to think about it clearly, when participating in mutual help and mutual assistance, it is a risky expected capital investment for itself, and during this time, it is not a great thing that they have not incurred risks.

Of course, it was not paid in vain, because you can still enjoy the service during the payment period, and you don't have to pay the money after the shutdown, but there is no corresponding service.

Of course, it won't be in vain.,The services that you have been able to enjoy over the years are no problem.,It's just that you won't enjoy any services from the time of the shutdown.。

Of course, it was not in vain, because I had already enjoyed the corresponding services during the payment period.

It's really in vain, but this is also something that can't be helped, so I can only consider myself unlucky.

Mutual Treasure shows that it has been suspended, which should be that you have opted out and no longer participated, or your account is out of money, and the deduction fails and is suspended.

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.

If the members participating in the mutual aid plan want to apply for mutual aid funds, they need to submit relevant materials (including identity documents, disease diagnosis certificates, etc.), and the case will be publicized after the platform investigation and review, and after approval, all members of the mutual aid plan will share the mutual aid funds.

Main features: 1. Mutual assistance, inclusiveness, and low threshold.

Mutual treasure is a serious illness protection service that can be added to yourself or your family, which does not conflict with social security and medical insurance, and can be used superimposed. There is no need for invoice reimbursement, and you can apply for a one-time mutual aid fund for the first time when you are diagnosed for the first time.

Low threshold: Enjoy the protection first and then share it, and you can add family members.

High amount: up to 300,000 mutual aid fund protection.

Full coverage: Critical Illness Mutual Aid Plan covers 99 critical illnesses + malignant tumors + specific rare diseases.

2. Openness, transparency and security.

In order to ensure the safe, stable and sustainable operation of the plan, Mutual Treasure has set up four mutual assistance principles: real-name system, no capital pool, full risk control, and openness and transparency.

Real-name system: Mutual aid platforms should use technology and rules to ensure the authenticity of identities and rescues, and authenticity should become the lifeline of mutual aid platforms.

No capital pool: Before the bailout occurs, any precipitation of funds should be vigilant and eliminated.

Whole-process risk control: From access, investigation to publicity, the whole process of risk control, use technology to eliminate fraud, and use rules to inspire goodwill.

Openness and transparency: Mutual aid platforms should adhere to transparent rules, transparent processes, and transparent results, and consciously accept public and industry supervision.

The above content referenceEncyclopedia Mutual Treasure.