Alipay's mutual treasure has been cancelled. Can I get a refund?

? Alipay's Mutual Treasure has been cancelled, and will officially stop running on October 28th, 2022/kloc-0, 65438. Among them, the money to participate in the monthly sharing of mutual treasures is also non-refundable.

? First of all, let's learn about mutual treasure. Alipay official website shows that the full name of "Mutual Treasure" is the mutual aid plan for severe diseases, and its mutual aid scope is: 99 kinds of serious diseases+malignant tumors+special rare diseases. If you are unfortunate enough to suffer from diseases within the scope of mutual aid, you can get a mutual aid fund of up to 300,000 yuan (provided that you must participate in the mutual aid treasure plan and pay the monthly payment in full and on time). The amount of mutual aid will be shared by the members of the serious illness mutual aid program.

? Therefore, Mutual Treasure is a tentative product different from charitable donation and commercial insurance. It is neither completely free and public like charitable donations, nor completely personalized and guaranteed like commercial insurance. It belongs to the operating mechanism of giving away the fragrance of roses. Simply put, everyone is involved in this mutual aid treasure. If someone inside is sick, everyone will share the cost of treatment (up to 300,000). If you are unfortunately ill, others will share the cost of your treatment, which shows mutual assistance. Therefore, the money allocated cannot be refunded, because it is basically used to save people.

Official website shows that Huzhu Bao has raised a total of 25.937 billion yuan in mutual aid funds so far, helping17,9127 recipients. The quantity and amount of mutual aid are relatively large, so why not continue to operate? The announcement said: Great changes have taken place in the mutual aid industry in the past year. In order to protect the rights and interests of all members for a long time, after careful consideration and discussion, Mutual Treasure will stop operating at 24: 00 on June 28, 2022. In fact, you can't see the specific reasons in a few words, but on the whole, the starting point of Mutual Treasure is good, but it has to stop running for various reasons.

In response to the question of whether the historical distribution amount of Mutual Treasure can be returned, Alipay officials also gave a formal reply: the distribution amount of Mutual Treasure members cannot be returned, and Mutual Treasure adopts the mode of joining first and then sharing. While mutual treasure members participate in the distribution, mutual treasure also provides you with corresponding protection. The assessed expenses have been used to help the sick members. Since the establishment of mutual treasure, it is precisely because of our support that we have helped more than 654.38+0.7 million sick members, so we can't refund them.

Finally, I want to say, but for the future of Mo Wen, let's not discuss whether the operation of Mutual Treasure is fair, just, reasonable and legal for the time being, but the emergence of any new thing has its existence value, whether it is reasonable or transparent. As long as we stick to the original intention at that time and give everyone a rose with lingering fragrance, we will help each other and care for each other, thus achieving your ultimate goal.