What is mutual insurance?

Mutual Treasure is a serious illness mutual aid program jointly launched by Ant Insurance, Sesame Credit and Mei Xin. Members must meet the conditions for joining and pass the exam.

In this plan, when someone is in danger, the people participating in the plan will share the claims of the people at risk equally, and the people participating in the plan will also receive the same major illness protection.

Mutual insurance. What? Since it is a serious illness mutual aid program, it must be a major illness. Dad looked at the guarantee content of mutual treasure:

1, 100 kinds of major diseases, including malignant tumors.

You can get 300,000 mutual funds before the age of 2.40, and only 6,543,800+mutual funds between the ages of 40 and 59.

The insurance coverage of 300,000/65,438+10,000 is not high compared with the critical illness insurance with the highest insurance coverage of 500,000 or even higher on the market, and there are no other protections such as mild illness, moderate illness and exemption. In contrast, the protection of mutual treasure is actually relatively simple.

If you want to know more about Mutual Treasure, please click the link: "Is it necessary to join Mutual Treasure? Do you still need to buy critical illness insurance? 》

The advantage of mutual treasure is 1, and the entry threshold is low.

To join this mutual aid program, you only need to apply for online review on Alipay, and the conditions for joining are only those mentioned above.

2. Guarantee first and then pay.

This is also the highlight of this plan. At first, you don't have to pay a year or a month's fee like traditional insurance, but you can get protection after joining, and then when someone is in danger, everyone will share it equally.

3, the cost is low

Although the average allocation amount has soared by 50 times from the beginning to now, the allocation amount after the skyrocketing is only over one yuan, and it will not exceed 200 yuan every year. For the critical illness insurance in 200 yuan, which started in the market one year ago, this price is indeed the price of cabbage.

You can quit at any time.

It is not a problem for mutual insurance to surrender at any time. Generally speaking, the issue of surrender is not as entangled as insurance, because the insurance premium is high, and there are risks in upgrading the product policy or surrendering. Because of its low cost, Mutual Treasure won't be unwilling even if it quits, which has little influence on purchasing insurance products or replacing insurance products.