Is mutual treasure worth joining?

Mutual treasure is worth joining and can be used as a supplement to long-term critical illness insurance. It is estimated that in the next year or two, the sharing cost of mutual insurance will be lower than that of the one-year critical illness insurance with the same guarantee.

There is basically no threshold for mutual treasure to join, but there are also some thresholds, such as people who have been taking drugs for a long time, people who have been sick, hepatitis patients and so on.

The threshold is very low. As for whether someone will take the initiative, it is estimated that the possibility is extremely low. Because the internet is so developed now, you have to upload medical records and have a strict examination to get the money. If there is a dispute, there will be a jury, and everyone will vote to decide whether to give money or not. Therefore, mutual treasure is still quite valuable for participation.

Recently, people between the ages of 0 and 70 are applying for mutual funds. From the point of view of diseases, cancer and craniotomy are the majority. It can be seen how important it is to be healthy and live a good day, because no one knows when the disease will find you.

Extended data

exception

1. Under normal circumstances, all insurance companies will increase or refuse the coverage of hepatitis B. The requirement of mutual insurance is 1 year as long as the liver function and hepatobiliary and splenic ultrasound are normal.

2. Mutual insurance has relaxed the restrictions on breast and thyroid nodules to below level 4, and general critical illness insurance is not guaranteed.

3, congenital heart disease, serious illness is also a direct refusal to protect, mutual treasure only needs to have self-healing or surgery for 2 years.

4. There are some common cysts, even if they are not definitely diagnosed as benign by doctors, they can still join this mutual aid program.