Is mutual treasure worth joining?

Mutual treasure is a mutual aid plan launched by Alipay. Users who participate in the mutual assistance program can enjoy a maximum of 300,000 yuan of mutual assistance when suffering from diseases within the scope of protection. Users who participate in the program need to share it in every publicity. So is mutual treasure worth joining? Let's get to know each other.

Is mutual treasure worth joining?

First of all, compared with traditional insurance products, the threshold of mutual insurance is relatively low. After joining, as long as you meet the conditions, you can enjoy the protection first, and then others only need to participate in the cost sharing when making claims. This is more cost-effective for users who don't invest much in their family insurance.

On the other hand, with the increasing number of people joining Mutual Treasure, the number of projects to be shared has gradually increased, resulting in an increase in individual investment from a few cents at the beginning to several dollars. According to this trend, it is not ruled out that the amount of apportionment will be higher and higher in the future.

Judging from the past payment situation of mutual treasure, mutual treasure still has certain risks. Because mutual insurance is not insurance, it is a mutual aid plan, so its protection content may change and compensation may not be obtained. Moreover, according to the publicity, the invalidity of the claim is not fixed. Some users who were diagnosed in April and May did not publicize their appeals until 65438+February.

Based on the above, mutual treasure also has advantages and disadvantages, and the good side is that the entry threshold is low; There are many bad uncertainties, and the protection of users is not fixed. When insuring mutual treasure, it is mainly based on the individual needs of users.