Is it necessary to open more and more mutual treasures?

Huzhu Bao is a function similar to insurance business developed by Alipay, aiming at reducing the expenses caused by serious illness through mutual assistance. Now many friends have participated in mutual treasure, which can add a guarantee to themselves. Friends who have participated in mutual treasure can easily find that the amount of sharing has been increasing recently. Some friends find it strange that the cost of mutual insurance (originally called mutual insurance) has increased from a few cents before to a few cents, 1 yuan, and now it is close to 3 yuan. Although the absolute amount is not much, the increase is really "amazing"! At this rate, there is no need to open it.

The emergence of mutual treasure is the general trend. Once a small mutual treasure is launched, it has attracted wide attention from the market. In a short period of time, the number of participants has continuously exceeded one million, and now it has reached 9 1.24 million! It can be seen that mutual treasure is still extremely popular! However, what makes many people involved a little "unhappy" is. Although the number of participants has increased, the amount of personal contribution is rising!

The first person to join Mutual Treasure is because one-click operation is convenient and quick, and the investment in each period is small, which is equivalent to buying an insurance for himself with very little money. But now with more and more people joining, many people find that the deduction fee for each period is also rising. This is because new entrants have a waiting period of three months. Once the waiting period has passed, as long as you meet the rescue rules, you can enjoy the "mutual assistance" plan if you are sick! When the number of people who need help is increasing, the amount of natural sharing will also increase!

In addition, under the condition that the number of people will not change much, with the passage of time, the number of people who may get sick will increase a lot compared with the beginning of Mutual Treasure. This is because most participants have passed the 90-day observation period, and the longer the time, the more likely they are to get sick. Due to the above reasons, everyone's share is getting bigger and bigger now. But after a period of time, the number of participants and the status of participants will gradually enter a stable period. After entering the stable period, the amount shared by everyone in each period will also tend to be stable.