1. Failure to comply with health notification when joining
Failure to comply with health requirements when joining is unable to apply for mutual aid.
Simply put, a health notification is a health questionnaire that asks, for example, if you have hepatitis B?
The reason why this is important is that you have to meet the health requirements when you join a mutual aid program and when you apply for mutual aid:
When you join: if you have any of the illnesses mentioned in the questionnaire, then you can't join. This relies on self-consciousness though, so some people will try to muddle through and join with an illness.
When applying for mutual aid: the mutual aid program platform will go through our medical records, and if it is found that we joined with an illness in the first place, we will not be able to get the mutual aid money.
When you join a mutual aid program, you should read the health notice carefully and check to see if you have any of the diseases that are restricted in the health notice! Otherwise, it is very unfair to other people if they can get mutual aid even if they join with a disease.
2. Waiting period for diagnosis
The waiting period is a specified period of time after joining the network mutual aid, even if the agreed disease occurs, the member can not get mutual aid, this period of time is called the waiting period.
All mutual aid platforms have a waiting period, also called an observation period, which is designed to prevent people from joining with illnesses and to reduce moral hazard.
It is not possible to apply for mutual aid if you are diagnosed with a disease during the waiting period.