Why can't mutual treasure deduct money and send text messages?

Editor's Note: As one of the earliest users who joined mutual insurance, I still remember that mutual insurance at that time had not been renamed as the current mutual treasure, but the name no longer existed! At the same time, the attempt of a mutual aid product under Alipay has undoubtedly become a star product. Up to now, nearly 80 million people have joined the mutual aid society. However, with the increasing number of participants and the gradual passing of the waiting period, the deduction standard has changed from a few cents before to 1.48 yuan each time, which makes Mutual Bao experience great doubts. 1.Is 48 yuan an unbearable pain for Mutual Treasure?

Since the launch of 20 18 and 18 on June 6, mutual treasure has attracted 20 million users in just over a month because of Alipay's endorsement. However, due to regulatory pressure, Mutual Treasure was eventually renamed as the current Mutual Treasure, and Mei Xin Insurance also withdrew from this project. However, this product itself may have epoch-making significance. With the withdrawal of relevant insurance companies, Ant Financial is actually more responsible. Ant Financial, including Alipay, has also been emphasizing to the public that this is not an insurance business, but a public welfare business, aiming to help more groups resist irresistible risks.

As a result, under the slogan "0 yuan can join, only someone can claim it, and enjoy a maximum of 300,000 yuan", more and more users have joined. Up to now, more than 79.9 million users have joined, and will soon break through the 80 million mark. It is foreseeable that more and more users will join Mutual Treasure one after another, because compared with other insurances, this seems to be the best guarantee clause that ordinary users can join!

At the same time, after the withdrawal of Mei Xin Insurance, all the pressure responsibilities are concentrated on Alipay and Ant Financial. For example, the doubts of tens of millions of people and the rationality of related deductions, including the future development model, are all issues that Ant Financial and Alipay need to consider. In addition, it also includes the process of formulating compensation standards and reviewing compensation standards, plus verifying the real situation of each sick member, which is time-consuming and labor-intensive.

In fact, from 1 time in 65438+February last year to now, Mutual Treasure has helped 1097 people, but compared with 1 time in 65438+February in 20 18, it only deducted 0.03 yuan, and the latest allocation was/kloc.

Even from July, when the cost allocation of 1 period rose sharply, Mutual Treasure entered the questioning period, because the compensation amount of 1 period in July had reached 286, and the allocated funds reached 0.94 yuan. If you combine the number of users close to 80 million, you will find that 0.94 yuan is almost a huge sum. Today's 1.48 yuan may allocate more than 100 million yuan. As a result, more and more users began to question why the number of patients suddenly increased and why paying users tended to have thyroid cancer or craniotomy.

After these questions came out, the mutual insurance team made a positive response. They said that, first of all, the reason for the increase in cost sharing is that mutual insurance teams will deduct operating expenses. The reason is that from the technical point of view alone, each user's fee deduction process has consumed millions of yuan, including each user's access and verification, and millions of operating costs have to be deducted, so the mutual treasure team has not benefited from it.

At the same time, the person in charge of Mutual Treasure also said that the current number of users has exceeded 70 million, and the number of patients is about several hundred per period. Compared with the data of traditional insurance including the whole medical industry, this probability is still very low, that is to say, this is only a change in the user's senses, but considering the reality, it is not too out of line.

Mutual Bao's operation team also stressed that in the future, with technology upgrading and investigation cost reduction, the handling fee rate will continue to decrease, and Mutual Bao will always remain a platform for serving users, rather than profiting from it. Regarding whether mutual insurance will provide further insurance services in the future, they said that if users feel that the coverage of 100 serious diseases is not wide enough, and the mutual fund with a maximum of 300,000 is not enough for treatment, and they want to upgrade their own protection, mutual insurance will also provide further services, but they will not directly emphasize to users what insurance products are suitable for users, and still do not want to change their minds.

Questioning the official profit, in fact, most users still have a controversial point, that is, when to pay and when not to pay. This question is quite complicated. The reason is that mutual treasure itself is only a platform, not an insurance institution, and there are no extremely detailed and clear relevant regulations. After the introduction of mutual treasure to the jury, we also found that the biggest core essence of the jury is actually based on jurisprudence, but it is nothing more than human feelings.

After joining this jury group, the author also found many cases, which are indeed varied, and it is difficult to make accurate conclusions, which can only be decided by the public jury. However, judging from the results of the compensation trial, most jurors are gentle and always emotional, and jurisprudence may not account for much.

Of course, behind this is actually that a large group of nearly 80 million people can share part of the funds, which can effectively resolve risks and reduce the financial pressure. Even if the deduction for each period has gradually increased to one and a half periods, it may even exceed the second and third periods in the future. Compared with traditional insurance, this is still the cheapest and most effective guarantee for ordinary users. If the deduction in each installment exceeds 10 yuan in the future, it will cost one or two hundred yuan a year, but for ordinary users, the so-called critical illness insurance of one or two hundred yuan is absolutely impossible to buy.

In addition, more and more similar diseases are difficult for ordinary users to understand. But in fact, in the final analysis, this is just a mathematical probability problem. In a group of 80 million people, the probability of hundreds of people getting sick is actually relatively low. For such a huge user group, it may be normal even if the number of patients doubles or triples. You know, there are only 19 countries with a global population of over 80 million, and 80 million users have exceeded 80% countries in the world.

After Mutual Treasure came out, many people exclaimed that Ma Yun might have an impact on the insurance industry, but the question is, will Mutual Treasure really have a great impact on the insurance industry? At present, this is not the case. The reason is that mutual insurance coverage is around 300,000, and the protection of 100 kinds of serious diseases is not so comprehensive. There are also restrictions on paying by age, and elderly users can only get 65438+ 10,000. From this perspective, it is obviously not enough to pay for related serious diseases. Therefore, it can be determined from the starting point of both, including the scope of the claims.

At the same time, the concept of mutual treasure is different from the traditional insurance industry. The traditional insurance industry and users are actually a gambling agreement, while the mutual treasure platform only serves users and does not gamble with users. The concept of mutual treasure is that when the user has a disease, the platform completes the review, starts to deduct money after publicity, and then collects money and returns it to the user. The insurance industry is relatively complex, and even users are at a relative disadvantage in the game with insurance. The relevant rules and compensation terms and procedures are in the hands of the insurance company until the final implementation and active explanation.

Therefore, mutual insurance may be slightly upgraded in the future, but it will not replace the entire insurance industry as a whole. Moreover, under the impact of more and more similar mutual insurance products, the insurance industry may also usher in a reform. We always believe that we will use technology and new concepts to force innovation in traditional industries, and at the same time benefit users and support them very much.

With the increasing cost of mutual treasure being deducted, many users who have joined are already considering whether to quit. But at present, judging from the insurance products on the market, no one can guarantee the monthly compensation amount of100000 yuan. For most people, this is actually a relatively cost-effective choice.