Among them, severe diseases can only be compensated once, and mild and moderate diseases can be compensated many times, but the compensation ratio is low. Most importantly, the basic insurance coverage is also very low, with a maximum of 65,438+10,000 for 0-39 years old and 40,000 for 40-59 years old.
In addition, you need to pay attention to the renewal conditions of this product, because the guarantee period is one year, and the guarantee renewal is not supported. The claim may affect the renewal of the warranty in the next year, and there is also the risk of stopping the sale.
Mutual treasure is a mutual aid platform on Alipay. * * * has four mutual aid programs, among which the mutual treasure mutual aid program has the largest number of members. However, the Mutual Expo will be closed, and the members who join can insure the corresponding health welfare products, and the Health Welfare Critical Illness 1 (version of critical illness) is one of them.
In fact, Health Welfare 1 version of critical illness is a short-term critical illness insurance. Members who join the mutual aid program for critical illness can apply for this product, and the waiting period can be exempted after joining the mutual insurance for 90 days. In addition, health notification only requires that the health status of the insured meets the conditions when joining mutual insurance, and the insurance requirements are relatively loose.
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 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.
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.