Can Hubao make a claim for 91 days of sudden illness and death?

If there is no compensation, mutual insurance is only a serious illness mutual aid plan, which mainly covers 100 major diseases including malignant tumors, such as myocardial infarction, hepatitis, organ transplant surgery, etc., and those diagnosed under the age of 60 can receive a one-time benefit payment, and if unfortunately dies during the insurance period, no compensation will be paid.

It is reported that Hubao only covers malignant tumors and 99 types of critical illnesses, as well as specific rare diseases, and does not protect death. If the insured suffers from a critical illness, and the disease is within the coverage stipulated in the mutual treasure insurance contract, and the 90-day waiting period has passed, then you can apply for compensation, and some critical illnesses need to be diagnosed for more than 180 days, depending on the definition of the disease in the terms. If you want to have coverage for the death benefit of the insured, it is recommended to consider purchasing life insurance, or accident insurance with death liability.

This type of insurance will pay for the death of the insured. And whether the person dies can be compensated depends on whether the insured died of illness as agreed in the mutual insurance contract, if so, it can be compensated, if not, it can not be compensated. Mutual insurance can mainly protect malignant tumors + 99 major diseases + specific rare diseases, as long as you can meet the conditions for disease claims, then you can get 100,000 yuan or 300,000 yuan of mutual aid.

If Hubao members need to apply for mutual aid, they also need to submit relevant information, such as ID cards, disease diagnosis certificates, etc., and the case will be publicized after the platform review and investigation.

Reasons to join Mutual Treasure:

Type 1: People who are suffering from illness. In today's society, there are many people who are suffering from diseases, they can't bear the torture of illness, but they don't have money to treat their diseases, and they look around for help to no avail, but after Alipay launched this service, they got the news as soon as possible and joined the mutual insurance.

Up to now, three patients have been helped by Hubao.

The second: people who prevent themselves or their family members from getting sick. Many people will be fully prepared first, and they have rules and regulations for life, not that there is a saying that "opportunities are reserved for those who are prepared", this sentence is not wrong at all, in our lives, this kind of number is everywhere.

The third type: people who are eager to help others. Many people join the mutual insurance, not for themselves, they prefer to pay yuan every month, hoping that the money can always be used for those in need, and also hope that they will not have the opportunity to use the money donated by others, and hope that they will not get any diseases.

Fourth: Loyal fans of Alipay. In fact, this kind of people are just people who are interested in Alipay, what new functions Alipay has, to learn to use, to keep up with the pace of the times, they don't care about the insurance function of Mutual Treasure, because they don't have a disease, and they don't care about 1 dime per month, they can see the future of Alipay.

Mutual Treasure is only a serious illness mutual aid**, not insurance, only reports the major illnesses listed in it, and should not include death compensation.

You can apply for a claim after 180 days after the diagnosis of Mutual Treasure, and the waiting period for Mutual Treasure is only 90 days, which means that after joining Mutual Treasure, you can apply for mutual compensation for diseases that occur after 90 days.

The waiting period for Mutual Treasure is only 90 days, which means that after joining Mutual Treasure, you can apply for mutual compensation for diseases that occur after 90 days.

If it is a critical illness caused by an accident, there is no 90-day waiting period. You can apply for it yourself and give it a try!

After such a long time, it should be the claims department, it is recommended that you still look at the terms of the policy, or consult customer service to understand.

Excuse me, can you reply to me?

The terms of the mutual aid agreement do not stipulate how long it takes to get the money after applying for mutual aid**. Therefore, when members who join Hubao apply for mutual assistance**, the time when they can finally get the money is subject to the actual collection time.

At present, because it takes time for Hubao to review, investigate, publicize, share and pay for mutual benefits, and the investigation time is uncontrollable. The time for review, publicity, sharing and payment of mutual aid benefits is controllable, so there is no rule on how long it takes to get the money after applying for mutual benefits. To put it simply, the review process of Mutual Aid Treasure is:

Sick member report submission application materials - case review - investigation and review - case publicity - member sharing - mutual aid payment. The case review was completed within 30 working days; Due to different cases, the investigation and review time is different, and it is difficult to determine, but it should not exceed 30 days; On the day of each month, case publicity is carried out, and members are shared on the day; Payment of mutual aid benefits shall be completed within 7 days from the date of apportionment.

Extended Materials. The mutual aid program is similar to Alipay, but it is different from commercial insurance. This is not paid directly by the insurance company. It can only be seen as a mutual aid program. So, is it worth joining? Mutual Aid Treasure Critical Illness Mutual Aid Program: Protect Now Pay Later, Is It Really Worth Joining?

Let's take a brief look at the specifics of the different mutual aid programs:

1.Serious Illness Mutual Aid Program The age of participating in the Serious Illness Mutual Aid Program is from 30 days to 59 years old, covering 99 serious illnesses + malignant tumors + 5 rare diseases, with a maximum compensation of 300,000 yuan.

2.Geriatric Cancer Prevention Program The age of joining the Geriatric Cancer Prevention Program is 60-70 years old, and it only protects cancer, with a maximum compensation of 100,000 yuan.

3.Chronic Cancer Prevention Mutual Aid Program Age of participation in the Chronic Cancer Prevention Mutual Aid Program. From 30 days to 59 years old, like the elderly cancer prevention plan, it is also a cancer protection, with a maximum compensation of 300,000 yuan.

4.The public transport accident mutual aid plan is 30 days old to 59 years old, and it is also covered for accidental death and disability by air, train and public car, with a maximum compensation of 1 million yuan.

The terms of the mutual aid agreement do not clearly stipulate how long it will take to get the money after applying for mutual aid, so when the members who join the mutual treasure apply for mutual aid from the mutual treasure, how long they can finally get the money depends on the actual collection time.

At present, because it takes time for Mutual Treasure to review, investigate, publicize, apportion, and then pay mutual aid, and the time for investigation is uncontrollable, the time for review, publicity, apportionment and the time for payment of mutual aid are controllable, so this leads to Mutual Treasure not clearly stipulating how long it takes to get money after applying for mutual aid.

To put it simply, the review process of Mutual Treasure is: sick members report and submit application materials - case review - investigation and review - case publicity - member sharing - mutual aid payment.

Among them, the case review is completed within 30 working days; The investigation and review is difficult to determine due to the different cases and the different time it takes, but it should not exceed 30 days; The case announcement is on the 7th and 21st of each month, and the member sharing is on the 14th and 28th of each month; The payment of mutual aid is completed within 7 days from the date of apportionment of each instalment.

Therefore, in general, it is speculated that after applying for mutual aid funds, Hubao can get the money in about three months at the earliest, and the money in about two months at the earliest.

The apportionment rules of Mutual Treasure are:

1) Amount to be apportioned in each period = (Mutual Aid Fund + Management Fee - Balance of the previous period) Number of Contributors to the Membership.

2) The apportionment fee is capped at 188 yuan, and the excess part is borne by Alipay. (The cap line is adjusted every year).

Therefore, no one can be sure how much money Hubao will share in the future. However, with Ma's father here, the amount will definitely not be too high.

As a risk-sharing tool, Mutual Treasure is worth joining.

1. Cheap. The structure of Hubao members is young, mainly posterior, and the incidence rate is lower than the social average. As of the first phase of September 2019, Hubao has rescued a total of 2,839 people, and the incidence of critical illness is only.

The latest data shows that the per capita apportionment amount is estimated to be about 30 yuan in 2019, but the cost of a cup of milk tea is very friendly for people who can't take out so much money to buy insurance for a while.

2. The threshold is low and you can withdraw at any time. If you meet the health notification requirements and reach a certain score of Sesame Credit, you can join for free. If you feel that it is not suitable or there are better risk protection tools in the later stage, you can withdraw at any time, without psychological burden or decision-making costs.

3. Compensation will be paid immediately upon diagnosis, and it will not conflict with commercial insurance. Based on the spirit of mutual assistance of "helping others and protecting yourself", members can apply for a one-time benefit when they are diagnosed with a covered illness for the first time, which is a bit like critical illness insurance. It does not conflict with the nature of social security and commercial insurance, and can be used together.

Mutual treasure is a few dollars a month, the cost is very low, if you are really sick, you can get 50,000 yuan of mutual aid for mild and severe cases, and 10-300,000 yuan for serious cases. It is equivalent to leveraging a large amount of money at a small cost, and for those who are waiting to see a doctor, this money is simply a relief in the snow.

I applied at the end of March 2020, and it was quickly approved for the first time, and then the claims adjuster came to review it! After passing the prompt on May 2, the public announcement review has been until today! When and how long will it be announced! I don't know when it will arrive after passing!

It will not take more than 24 hours from the moment the application is submitted.

Summary. Hello, whether the accidental death mutual treasure is paid depends on which plan it is. There are a total of four plans for Mutual Treasure, among them, the Mutual Treasure Serious Illness Mutual Aid Plan, the Elderly Cancer Prevention Plan and the Chronic Disease Population Cancer Prevention Plan, all of which do not cover accidents, that is, they do not pay for accidental death; The Mutual Treasure Public Transport Accident Plan can cover death and injury caused by public transportation accidents, including aviation, train, high-speed rail, subway, light rail, bus, ride-hailing, taxi, etc.

Hello, whether the accidental death mutual treasure is paid depends on which plan it is. Xiang Liang Huai talked about the mutual treasure has a total of four plans, among them, the mutual treasure serious illness mutual aid plan, the elderly cancer prevention plan and the chronic disease population cancer prevention plan, all of which do not protect the accident Ming Zheng, that is, do not pay for accidental death; The Mutual Treasure Public Transport Accident Plan can cover death and injury caused by public transportation accidents, including aviation, train, high-speed rail, subway, light rail, bus, ride-hailing, taxi, etc.

Which plan are you buying.

But I also bought accident insurance for my dad.

I bought it inside Ant Treasure.

From your ** point of view, your luck is not accident insurance, you are critical illness insurance, mutual treasure itself is disease compensation, it is a mutual aid plan, that is, if you die, it is normal to pay quietly.

Generally, the insurance for death benefits is like the accident insurance of life insurance and the accident insurance of PICC.

Whether you can make a claim less than 90 days after joining Hubao depends on the actual situation

1.The waiting period of the Mutual Treasure Serious Illness Mutual Aid Destruction and Filial Piety Plan is 90 days, during the waiting period, if the Mutual Treasure member suffers from the disease agreed in the contract, it will not be able to obtain the claim, and only after the waiting period, the Mutual Treasure member suffers from the contracted illness and carefully buries to meet the claim conditions, in order to receive the mutual aid payment;

2.If a member of Mutual Treasure suffers from a contracted illness due to accidental injury, there is no waiting period and can apply for compensation from the mutual aid fund of Mutual Treasure.

Summary. Hello, honored with your question! ❤️

No claims. Sick members who were first diagnosed before 24:00 on January 28, 2022 and were in the mutual aid plan at the time of diagnosis can apply for mutual aid within 180 days from the date of the hospital's initial diagnosis. Mutual Treasure will review according to the rules, and those who pass can enjoy the claim payment, but this money is borne by the platform and was previously shared by those who participate in mutual assistance.

If the initial diagnosis time of the hospital is after 24:00 on January 28, 2022, you cannot apply for compensation. Because after 24 o'clock on January 28, 2022, Hubao has officially withdrawn from the rivers and lakes.

Diagnosed on January 29, 2022, does Hubao have a claim?

Hello, it's an honor for the hermit to hold your questions! Those who are waiting for compensation before the official closure of Mutual Treasure can still apply for compensation, and the sick members of the hospital who were first diagnosed before 24:00 on January 28, 2022 and were in the mutual aid plan at the time of diagnosis can apply for mutual aid within 180 days from the date of the hospital's initial diagnosis. Mutual Treasure will review according to the rules, and those who pass can enjoy the claim payment, but this money is borne by the platform and was previously shared by those who participate in mutual assistance.

If the initial diagnosis of Zaoqing Hospital is confirmed after 24:00 on January 28, 2022, you cannot apply for compensation again. Because after 24 o'clock on January 28, 2022, Hubao has officially withdrawn from the rivers and lakes.

Excuse me, if you have not returned the mutual treasure, and the malignant tumor was diagnosed for the first time on January 29, 2022, will the mutual treasure be compensated?

However, the slice is January 25.

No, you can't. It's a shame, I'm sorry.

That's miserable, I didn't buy critical illness insurance.

Yes. I was killed miserably in my life.