Recently, Alipay launched an Internet insurance product-Free Welfare Edition for Serious Illness:
1 and consumers under the age of 60 will receive a health insurance premium for each offline payment, which can be accumulated with the number of payments.
2. This "Minimal Edition" critical illness insurance will take effect after you click to collect it. There is no need for medical examination before insurance, and the insurance period is one year. Once diagnosed as one of the 25 most common major diseases stipulated by the state, you can apply for online claims directly at Alipay.
3. The claim settlement process is relatively simple. Fill in the information of the confirmed disease, submit the certification materials, and complete the claim settlement after confirming the identity and the authenticity of the materials.
Citizens can get a health insurance only by using Alipay offline consumption, and the amount of protection will increase with the increase of payment times, thus driving the sales of other types of insurance, such as car insurance, accident insurance, electric car insurance and even mobile phone explosion insurance.
Ma Yun's welfare claims that 25 countries stipulate that serious illness must be compensated. Let's see which 25 diseases are involved:
According to public information, the project of giving medical insurance was launched in mid-April. In 20 days,130,000 people took the initiative to receive medical insurance, most of whom were born after they first contacted medical insurance.
In the history of China's insurance industry, this should not happen.
Ma Yun once said: "If banks don't change, we will change banks"! Now that this "oath" has been fully realized, banks are setting off a major reshuffle of themselves. Then, it is "if the insurance does not change, we will change the insurance"!
Internet insurance is more like an enlightenment teacher, stimulating young people's awareness of "preparing for a rainy day".
If you are diagnosed with a serious illness caused by accidental injury for the first time, you can get insurance money. This free insurance product is called critical illness worry-free insurance (welfare version). The age range of the insured is 1 to 60 years old (inclusive), and 1 year old is a cycle. During the insurance period, if the insured is diagnosed as suffering from a major illness by the hospital for the first time due to accidental injury, the insurance company will pay the insurance premium, which shall be subject to the accumulated amount when applying for claim settlement. In addition, although the amount of health insurance can be accumulated, the upper limit after confirmation is 2000 yuan.
It is very simple to buy insurance in the future, with simple terms, simple purchase and simple claims. You should buy it at any time and pay for it at any time. At this time, customers have a real sense of security.
If today's insurance industry attaches importance to the sales side, then the future will be the front-end ability to ensure risk prevention, disaster prevention, technology and service improvement, and risk prevention and control. These are the core competencies of the insurance industry.
Not only that, Sesame Credit is also applied to the medical industry, and "diagnose first and then pay" is introduced. Users with a sesame credit score of more than 650 points are exempted from all queuing payment links, and the amount paid after diagnosis and treatment is 30,000 yuan, which is applicable to all outpatient items (registration, laboratory tests, medicines, etc. ).
Many people think they have social security and don't need to buy additional commercial insurance. For a long time, Chinese people's misunderstanding of "running insurance personnel" has led to people's little understanding of commercial insurance, which has made the popularization of commercial insurance very limited.
Only when accidents and diseases really strike can we realize the necessity of insurance. But it's often too late by then. So we need to take precautions and buy an insurance for ourselves and our families.
Alipay is not only a simple payment, but also has other financial functions, such as ant flowers and ant borrowing. Tencent Financial Group recently launched the "online business gas loan" in its own name, and the application conditions are much lower than those of borrowing banks. In order to facilitate users to pay attention to their official WeChat account online gas loan on WeChat, they can borrow 1 to 300,000 yuan per second. Real gold is not afraid of being tested.