Alipay has launched a mutual insurance, is this necessary to join?

Mutual treasure is not insurance, not worth joining. From the several recent incidents of denial of claims, we can see that it is extremely difficult to realize the claims, unless you have a doctor and a lawyer in your family itself, and prepare all the legal documents and required medical certificates before purchasing, it is really difficult for ordinary people to apply for the claims.

And Mutual Treasure itself is just a kind of agreement between users, not insurance, but not a substitute for insurance, you still need to buy insurance if you need it. Now the amount of mutual treasure each period of assessment is also getting bigger and bigger, from the beginning of a few cents per period to now a few dollars per period, the rate of increase has to be very horrible.

But that's understandable. Some people argue that we should be sharing less and less as we get more users. However, if it only costs a few dollars per month for an individual to share, a single claim would cost 100,000, 300,000 or more. The cost of sharing would naturally rise.

As a result, Mutual has made many adjustments to raise the threshold for claims. However, this leads to a vicious circle: the number of claims is large, so raising the claim threshold leads to more and more people quitting, more and more people quitting leads to another increase in the amount of apportionment, and the increase in the amount of apportionment leads to more people quitting. For the above reasons, Mutual is not worth joining.

Mutual treasure mode:

Mutual treasure adopts the mutual aid mode of "one person is sick, everyone pays". In layman's terms, the network of mutual aid is equivalent to a large user group, the collection of people's strength, to help the sick members through the difficult times. If you join a group and become seriously ill, the other members will share the cost of the medical treatment equally, and you will also get the corresponding mutual aid money if you become seriously ill.

Internet mutual aid is free of intermediary agents and sales links, coupled with the ability to control risk and a lower percentage of management fees, so it can operate at a lower cost. Mutual treasure has become the world's largest mutual protection platform.