The number 1 (critical illness version) of Health Welfare is a one-year critical illness insurance. Mutual insurance members open this insurance during the announcement period, which is equivalent to taking out an insurance. There is no need to pay fees during the three-month free guarantee period, and the premium is deducted from Alipay every two months.
Compared with the protection of mutual treasure, it increases the protection of moderate and mild diseases, and can pay for it many times, lowering the threshold for claims. On the other hand, the amount of claims for serious illness has also decreased, which is equivalent to giving the amount of serious illness to moderate and mild diseases on average.
There are more diseases that can be insured, and there are more times to pay compensation, but less compensation can be obtained each time.
Compared with the one-year critical illness insurance in the market, health benefits and critical illness insurance are not available. 1 (critical illness version) is relatively routine and has no special highlights, but after all, the premium is not high and the overall situation is suitable.
For everyone, the risk of serious illness is long-term. One year's insurance period is relatively short, and the probability of getting sick in one year is relatively small. One-year critical illness insurance is guaranteed, but it has little effect.
However, as a one-year renewal of the critical illness insurance, the Health Welfare Critical illness 1 (critical illness version) can only provide one-year protection, and it needs to be re-insured after the insurance expires.
Re-insurance will face stricter insurance requirements, including insurance age and health status. Not everyone can meet the requirements, so some people will have security vacancies.
Mutual treasure is a serious illness mutual aid program launched on Alipay App on June 6, 20 18, 18, and it is the largest mutual aid community in the world. According to the concept of "one person's illness is shared by everyone", eligible members can apply for a mutual fund of 300,000 yuan or 654.38+10,000 yuan if they encounter major diseases (99 kinds of serious diseases+malignant tumors+specific rare diseases) after joining, and the expenses will be shared by all members, and * * * will bear the risk of serious diseases.
If the members participating in the mutual aid program want to apply for mutual aid, they need to submit relevant materials (including identity documents, disease diagnosis, etc. ), the case was publicized after investigation and review by the platform. After approval, all members of the mutual aid plan will share mutual aid.
On February 28th, 2002112, Hubao announced that it would stop running from 24: 00 on October 28th, 2022.
Mutual treasure adopts the mutual aid mode of "one person is sick and everyone pays". Generally speaking, network mutual assistance is equivalent to establishing a huge user base, gathering the strength of all people to help sick members tide over the difficulties. If a member suffers from a serious illness, others will share the required medical expenses equally. Similarly, if they suffer from a serious illness, they can also get the corresponding mutual fund.
Network mutual assistance has no intermediary agent and sales link, plus strong risk control ability, low management fee ratio, and can operate at a lower cost. Mutual treasure has become the largest mutual aid platform in the world.
main feature
1, mutual assistance, universal benefit, low threshold.
Mutual treasure is a critical illness protection service that you or your family can join. It does not conflict with social security and medical insurance, and can be superimposed. There is no need for invoice reimbursement, and you can apply for mutual aid in one lump sum after the first visit.
Low threshold: enjoy protection before sharing, and you can add family members.
High quota: up to 300,000 mutual fund guarantee.
Everyone's burden: if one person is sick, everyone will share.
Full coverage: 99 kinds of serious diseases+malignant tumors+specific rare diseases are guaranteed by the mutual aid program for serious diseases.
2. Openness, transparency and security
Four Principles of Mutual Assistance: In order to ensure the safe, stable and sustainable operation of the plan, mutual assistance has established four principles of mutual assistance: real-name registration system registration, no fund pool, full risk control, openness and transparency.
Real-name registration system: The mutual aid platform should use technology and rules to ensure the truth of identity and save the truth, and the truth should become the lifeline of the mutual aid platform.
No fund pool: before the rescue, any fund precipitation should be vigilant and eliminated.
Full-process risk control: from access, investigation to publicity, full-process risk control, using technology to prevent fraud, and using rules to stimulate goodwill.
Openness and transparency: mutual aid platforms should adhere to the transparency of rules, processes and results, and consciously accept public and industry supervision [