Is mutual insurance the insurance business of Alipay? Why do you see some news that mutual insurance is a lie?

Mutual treasure is not insurance, just like easy financing and Didi financing, Alipay mutual treasure belongs to mutual aid plan. Mutual treasure is not a lie, it can only be said that it is easy to step on the pit if you are not careful. Next, dad will share the information of mutual treasure with you in case you step on the pit when you are insured. Friends who want to know the detailed evaluation of mutual treasure may wish to have a look: "Mutual aid plan for mutual treasure and serious illness: first guarantee and then pay, is it really worth joining?" 》。

I. Basic information of Mutual Treasure 1. Basic insurance information

Insurance age: 18-59 years old

Maximum renewal age: 59 years old

Occupation category: unlimited

Waiting period: 90 days

Health advice: 5 items

In Alipay's mutual health notification, there will be medical hospitalization, past symptoms, premature infants and other issues of the insured within two years.

Insurance threshold: three conditions must be met at the same time. Through health notification, the sesame credit score is above 650, and the age of the insured is limited to 18-59, but minor children can join with their parents.

2. Guarantee content

Critical illness insurance: 100 major diseases with limited coverage, of which 300,000 can be paid before the age of 39 and 654,380+10,000 before the age of 40-59.

Second, the advantages and disadvantages of mutual treasure comprehensive analysis of the advantages of mutual treasure:

1. Low barriers to entry

To join this mutual aid program, you only need to apply for review on Alipay Online, and the conditions for joining are relaxed.

2. Guarantee before payment

At first, you don't need to pay a year or a month's fee like traditional insurance, but after joining, you can get protection after the waiting period, and then everyone will share it equally.

3. Low cost

Disadvantages of mutual treasure:

1. The content can be changed at any time.

The content of mutual treasure protection is not limited and fixed.

2. The mutual treasure mechanism is unstable.

Unlike mutual insurance, it is not insurance, and there is also controversy in supervision.

3. With the growth of age, the sense of security decreases.

4. The limitation of the claim is not fixed.

Dad thinks mutual treasure can be used as a temporary guarantee. But it is uncertain, so in order to avoid risks better, it is necessary to configure commercial insurance.