The entrance to mutual insurance is Alipay-My Ant Insurance-Mutual Insurance.
It is free for Alipay ant members to join mutual insurance, and they only need to share the cost when they are in danger. The cost sharing of a single accident case shall not exceed 65,438+0 cents. If you are in danger, you can get a one-time deposit of 300,000 yuan under 40 years old and a one-time guarantee of 1 10,000 yuan for 40-59 years old.
Mutual treasure is actually a "network mutual assistance" project of Alipay. Simply put, a group of people join a mutual aid plan, and the plan members share the risks with each other. At first, it was mutual aid for serious illness. Later, it increased mutual aid for cancer prevention and chronic diseases for the elderly, but there were only a few million people, and most of them were mutual aid for serious illness.
Disadvantages:
1. The evaluation amount is uncertain.
Judging from the allocation amount, the initial allocation amount of Mutual Treasure was low, and then the allocation amount began to rise slowly. Three months ago, the amount of mutual treasure was 5.28 yuan, and now it has risen to 6.42 yuan. This is just mutual aid for serious illness, because there are many people, so the amount is still low. If the elderly help each other or help each other with chronic diseases, more people will share it.
2. Ensure uncertainty
In the mutual treasure clause, it is stated that the platform has the right to adjust the guarantee content. I changed the health notification form three times before and after mutual aid for serious illness, but many people still don't know that there are health requirements for joining mutual aid. Only those who meet the health notification form can join. If you do not meet the requirements of health notification when you join, you can only withdraw from the mutual aid program.
3. The limitation of the claim is not fixed.
Mutual Bao's insurance contract stipulates that after receiving the claim report, it is necessary to make a claim conclusion within 30 days. But in fact, many patients diagnosed with cancer have to wait for several months before they can make their statements public, which is a good situation for a patient who desperately needs money to save his life. In particular, many cases of refusing compensation on Mutual Treasure have aroused great concern and made many people feel that Mutual Treasure is inhuman.