How about the mutual treasure in Alipay? What role can it play?

Mutual treasure is a serious illness mutual aid service launched on Alipay App. Members who join the service suffer from serious diseases (the range is 100), and can enjoy the protection fund ranging from 300,000 yuan to 100 yuan, and the expenses are shared by all members.

Mutual Treasure promises that the annual distribution amount will not exceed 188 yuan, and the surplus will be borne by Ant Financial, which means there is a bottom. Members participating in the mutual aid program need to submit relevant materials (including identity documents, disease diagnosis, etc.) if they want to apply for mutual aid. On the application page, publicize the case and raise funds after investigation and review by the platform. Under normal circumstances, the mutual fund will be paid to the applicant within 1-3 working days.

Mutual treasure makes it easier for low-and middle-income people and invisible poor people to obtain health protection, and to some extent, it alleviates and prevents the poverty of these people due to illness.

Extended data:

Compared with the high premium of traditional insurance, network mutual assistance provides an entrance for consumers of low-and middle-income groups to release protection. It is worth noting that the network mutual aid program is different from insurance products. It is a risk mutual aid mechanism. Users join without any advance payment, and how much mutual aid they can get depends on the actual distribution, which mainly reflects the nature of social welfare.

Mutual insurance has become the fastest-growing supplementary medical insurance in the world, which embodies the core value of "sharing risks and helping each other" and plays a positive role in perfecting China's multi-level medical insurance system.

Baidu encyclopedia-mutual treasure

The number of people participating in the People's Daily Online-Alipay serious illness mutual aid program "Mutual Treasure" exceeded 50 million.