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 gets sick, everyone shares", 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 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 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.
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.
Introduction of mutual treasure mechanism: professional and strict access, investigation and publicity mechanism
1. Access mechanism: In order to ensure the healthy and long-term operation of the plan, Mutual Bao has set up rules such as health requirements, membership rules, and terms of mutual assistance plans. There is only one criterion for whether a member can get mutual assistance when he is seriously ill: whether he meets the rules of mutual assistance. As long as the rules of the plan are met, mutual treasure will be saved, and no one will be less. And if you don't meet the requirements of the plan, you won't get the mutual aid.
2. Investigation mechanism: Every mutual assistance case will be strictly investigated on the spot by a professional investigation agency. The contents of the survey include the applicant's illness and medical treatment, as well as the applicant's previous medical records, so as to ensure that users meet the "health requirements" and mutual assistance conditions of mutual insurance.
3. Publicity mechanism: After the investigation is completed, the mutual aid society will review and finalize the mutual aid cases. On the 7th and 20th of each month, 2 1, the mutual treasure club will publicize the case and accept social supervision and reporting.
Access, investigation, review, publicity system, to ensure that every mutual aid treasure case conforms to the mutual aid rules, so that every mutual aid fund can help those who really need help.