Should I cancel mutual treasure?

Hello, this friend, Mutual Treasure is a protection plan launched on Alipay Ant Financial Service Platform. If you join mutual treasure, you should also enjoy rights.

Then if we want to quit Mutual Treasure, we can operate directly on Alipay, open Alipay, ask customer service online and provide information, and then we can quit. If you don't accept it, you can only call the industrial and commercial bureau to complain. This platform is not small, generally speaking, there will be no rejection.

Still considering quitting mutual treasure? Here is a very detailed article, which you can refer to: "Mutual Insurance and Mutual Assistance for Serious Illness: Pay first, is it really worth joining?" Now, let's learn about each other's treasures with dad, so that we can know more.

I. Introduction Many people think that mutual treasure is insurance. In fact, mutual treasure is not the same as insurance. This mutual treasure also gives the answer:

In other words, mutual treasure is a protection plan in which rights and obligations coexist. In the plan, your obligation is to share the amount, and your rights are guaranteed. So what is this guarantee? Is the apportionment fixed? Dad explained to you with a form:

Second, advantages and disadvantages of 1. Guarantee first and then pay.

0 yuan joined Mutual Treasure when he joined it. After the waiting period, it can be guaranteed. Sharing the payment on the same day can also be said to be a highlight of Mutual Treasure.

2. Low entry threshold

Mutual treasure only needs to meet the health notification, participation age and sesame credit score, and can join after applying for review. Low entry threshold and high speed.

3, the cost is not fixed but cheap

The formula of allocation amount in each period is printed on the table, and there are many variables in the formula, so the allocation amount in each period of Mutual Treasure is different and rising.

However, no matter how it rises, the amount of mutual insurance will not exceed that of 200 yuan every year, which is lower than many critical illness insurance in the market.

4. The participation rate of 40-59 years old is low.

Mutual Bao's insurance coverage for 40-59 years old is only 6.5438+10,000 yuan. There are old people and young people in this world, and 6.5438+10,000 yuan is actually a drop in the bucket.

However, many critical illness insurances in the market can still buy products with a coverage of more than 500,000 at this age. Relatively speaking, the old-age security of mutual treasure is actually not enough.

5, mutual treasure is unstable

Mutual insurance is not insurance, so no insurance company has the same industry regulations and contract restrictions. Dad found from his promotional materials that Mutual Treasure can "stop selling" at any time if the following situations occur.

Dad concluded: mutual treasure is not like insurance. The terms and conditions of the contract have been carefully standardized and will still be updated and changed. Therefore, in order to reduce risks, it is necessary to match life insurance, medical insurance, critical illness insurance and accident insurance.

Here is a basic knowledge point. As long as you master it in minutes, you will become an insured. Now dad shares with you: "the correct insurance posture will teach you how to insure in a few minutes!" 》

I hope I can help you!

Source: Dad Insurance Knowledge Dry Goods Integration