What is mutual treasure?

Mutual insurance is a serious illness mutual aid plan jointly launched by Ant Insurance and Sesame Credit Cooperation. It's not really insurance.

First, what is mutual treasure? Mutual insurance is essentially a mutual aid plan and will not be strictly regulated like insurance. How to pay, how much to pay and how to charge are relatively free.

The entry threshold for mutual treasure is very low. As long as the sesame credit reaches 650 points or more, you are eligible to participate.

Friends who want to know if they want to join can read this article first: "Mutual aid for serious illness: Is it really worth joining?" 》。

Second, the basic content of mutual treasure

There are three protection schemes for mutual treasure, and we analyze them one by one for people of different ages:

1.？ Serious illness mutual aid program

This program allows people aged 0-59 to join and protects 99 kinds of serious diseases, mainly cancer. Among them, people under the age of 39 receive a maximum of 300,000 yuan, while the rest only enjoy a maximum of 6,543,800 yuan.

2.？ Chronic disease cancer prevention program

It is basically consistent with the contents of the mutual aid program for severe diseases, but the only disease it covers is cancer, and its coverage is narrower than that of the mutual aid program for severe diseases.

3.？ Anti-cancer program for the elderly

Mutual treasure's cancer prevention program for the elderly is different from the first two projects. For the elderly aged 60 -69, the maximum mutual fund is only 654.38+10,000 yuan.

The waiting period of these programs is 90 days, and those who participate in the first two programs can directly join the cancer prevention program for the elderly when they reach the age of 60.

Generally speaking, as a serious illness mutual aid project, Mutual Treasure does provide protection for people with limited economic conditions. However, dad feels that this role is limited. Insurance can be considered appropriately. ?

I hope the above information will help you!

Source: Nanba Daily