The mutual treasure of "if one person gets sick, everyone shares it", is it a pie or a trap?

A few days ago, Chai Mei had a whim

and went to check Xiang Xiangbao in her Alipay

and found that the price had increased again

Don’t panic, it’s not a big problem

Ahhh

Chai Mei is already panicking

It’s a big problem

Many people have done it before Full of questions about Xiang Xiang Bao

Chai Mei is often asked

What is Xiang Xiang Bao?

When did I join Xiang Hu Bao?

Why does Xiang Xiangbao keep deducting my money?

Is Xiang Xiangbao cutting leeks?

......

Do you still remember a dream we all had before

?

If each of the 1.4 billion people in China gave me 1 yuan

Then wouldn’t I have 1.4 billion yuan?

This is pretty much what Xiang Xiangbao means

The only difference is that

If we want to get this "1.4 billion"

Then you must first give everyone "1 yuan"

The operating rules of Xiang Xiang Bao

is "if one person gets sick, everyone will share it equally"

As long as you join Xiang Xiang Bao

Share the money twice a month

You can also get mutual aid when you get sick

It seems a bit

One side has difficulties in all directions Support Neiwei'er

And Xiang Xiangbao is very similar to insurance

As long as you pay, you can get protection

And the threshold is low, the limit is high, and the coverage is full

p>

More importantly

It is cheaper than insurance

Initially, each payment only costs a few cents

Therefore, poor people Chai Mei

Didn’t take a closer look at the time

She directly joined the Xiang Hu Bao family

But what people didn’t expect was that

The 1-cent guarantee initially promoted

first increased from "cents" to "jiao"

and then from "jiao" to "yuan"

And Now, the increase has not stopped

The one-phase payment is 5.31 yuan

Then you will have to pay more than ten yuan every month after that

Don't look at this little money It doesn’t seem like much

In a big city, you can only buy a tea egg

But compared to the original 1 cent

it’s already a lot. A hundred times more

But Xiang Xiangbao plays word games with users

They don’t tell users that the money will increase

Give an example

Chai Mei sells you something and asks you to buy it

Tells you that you can get it after paying one yuan a month for five months

You buy it happily

In the second month, one yuan turned into ten yuan.

In the third month, ten yuan turned into twenty yuan...

At this time, you regretted it. I don’t want to buy this thing

Let Chai Mei give you a refund

But Chai Mei tells you that the money has been paid and cannot be refunded

You either have to pay it or Just leave

If this happens

Do you have to fight with Chai Mei?

p>

Because of the increase in sharing fees

The number of users of Xiang Xiangbao continues to decline

Everyone feels that they have been cut off

According to each other Bao data shows

In 2020, the number of people apportioned in the first phase in November

was still 105.8 million

And in the second phase in December

The number of people sharing has dropped to 102.2 million

And it is still decreasing month by month

As a result, Xiang Xiangbao panicked

Why?

For Ant Financial, the purpose of Xiang Xiang Bao is not to make money

The model adopted by Xiang Xiang Bao

In addition to being used for rescue In addition to the mutual aid fund

A management fee of RMB 8 is charged every year

According to the executives of Xiang Hu Bao

This is not profitable

However, based on the current calculation of more than 100 million members

After the per capita sharing amount increases in the future

it is hard to say whether there will be profits

However, Xiang Xiangbao does not care. These

After all, its main function

is to attract traffic to its insurance business

It was mentioned in the prospectus previously submitted by Ant Group

In just one sentence

I said that Xiang Xiang Bao has increased people’s enthusiasm for buying insurance

Many Hu Xiang Bao users

have purchased health insurance products such as “Good Medical Insurance”

This is the real purpose of Xiang Xiangbao

Chai Mei discovered when collecting information

Many netizens will fall into a misunderstanding

Everyone I feel that this little money is nothing

Even if the payment increases to seven or eight yuan each time

It will only be a few hundred yuan a year

In comparison The price-performance ratio is already very high

And even if you save this little money, it will be useless

It is better to put it into the mutual treasure for charity

Faced with this situation

Then Chai Mei can only praise you

... People are stupid and have a lot of money

Many people chose to join Xiang Hubao

It is undeniable that there is a desire to take advantage of it

But this advantage is not necessarily obtained

It is basically a matter of probability

Besides, everyone has forgotten

Hu Hu Bao Insurance

Hu Hu Bao was formerly called Hu Hu Bao

It was underwritten by an insurance company

The mutual guarantee at that time was indeed appropriate. Insurance product

However, the contracting company was later fined to withdraw

Mutual Insurance was renamed to Huang Bao

From then on, it was no longer an insurance product

It is not within the scope of supervision

Chai Mei is sure

There are definitely many people who subconsciously think that

Currently Hubao is still an insurance product

There is no way

After all, too many people subconsciously believe in Jack Ma

Believe in Alipay

But in fact, it is clearly stated in the instruction manual of Xiang Hu Bao

The contribution we pay every month

is essentially a donation

This means that there is no risk protection when we join Xiang Hu Bao

And even if the claim is not settled or you quit

This amount

You can’t get the money back either

You must know that the biggest difference between Huhubao and insurance

is claims settlement

If we buy insurance

Then as long as the claim conditions are met

The insurance company must compensate

Otherwise, you can sue the insurance company

But Xiang Xiangbao is different

If Xiang Xiangbao does not pay the compensation

Then we will have no place to sue

Just like what we said before Ele.me

It is written in black and white Written clearly

Fundamentally avoiding legal liability

The few hundred yuan we donate every year

It seems that it is indeed given to those in need.

But if one day

I get sick, will Xiang Xiangbao pay the compensation?

It’s really not necessarily true

Xiang Xiangbao’s claim settlement is not what you think

It’s what it thinks

There was a fuss on Weibo last year It’s quite big

A netizen’s mother suffered a sudden cerebral hemorrhage

After the craniotomy, she was admitted to the hypothermia ward

Faced with high hospitalization fees

She thought of the mutual treasure she made with her mother more than six months ago

She submitted the application according to the procedure

The staff told her

To apply for mutual aid, she needed a discharge summary

In desperation, she posted Shuidichi

to collect the hospitalization expenses

Unfortunately, her mother passed away in the end after resuscitation failed

After her mother passed away, she took the certification documents

and reapplied for mutual aid funds

but was rejected. Many problems

Such as cremation certificate at the crematorium

Asking the police station to prove the identity of mother and daughter

Requesting the deletion of Weibo posts

Even A suspected employee of Xiang Hu Bao

commented on her Weibo to question the authenticity of the incident

...

In the end, she chose to give up

No more mutual aid funds

This is not an isolated case

Comments on mutual aid on the Internet

Extremely polarizing

Although some people claimed that they had received claims

but most people were unable to get through the claims

Earlier

Some netizens claimed through well-known media

Pointed out the four sins of Hu Hu Bao

Here we focus on claims settlement

Why is Hu Hu Bao so difficult to settle claims?

In 2019, Hu Hu Bao once The rules have been adjusted

The previous Hu Hu Bao rules

were all based on the definition of commercial critical illness insurance

But then Hu Hu Bao

Directly transfer "thyroid cancer without distant metastasis"

and "prostate cancer staged T2N0M0"

and no longer pay compensation

These diseases are relatively common

Originally, Xiang Xiangbao had lowered the compensation before

and also reduced the members’ contributions

But then it directly eliminated this Two diseases

No compensation at all

It doesn’t make much sense to the members of Xiang Xiangbao <

/p>

On the contrary, it saves the cost of Xiang Xiang Bao

No matter how you say it, it is unreasonable

On the other hand

Hu Xiang Bao has a rule This is the case

If a suspected malignant tumor is discovered during the waiting period

or targeted treatment is started

The diagnosis will be confirmed within 90 days after the waiting period

If you join while you are sick, you will not be compensated at all

Originally there is nothing wrong with this rule

It can also prevent malicious fraud from happening

You know, the reason why everyone's share will increase

is because the more members join

the more people will get sick

In this way, it seems to control

But the key point is that

The definition of "suspected" is too strict

Some doctors will do it out of strict considerations

Use words such as "suspected" and "not ruled out"

This is to prevent misdiagnosis

But many times

these words directly become mutual treasures and deny compensation. The basis for this

There is another rule: "take the medicine for 30 consecutive days"

It doesn't matter what kind of medicine you take

As long as you take it, you can't compensate

Good guy, such harsh conditions

Why didn’t you tell us when we first joined?

When we joined Xiang Xiangbao

He made it clear that he wanted to be trustworthy and help each other

But before Xiang Xiangbao changed the rules

all users had no idea

Renjia Insurance at least listed the rules clearly

It is what it is

This is the consequence of lack of supervision

The most critical problem with Xiang Xiangbao is that

It is not insurance

Insurance has a professional review mechanism

But the threshold for Xiang Hu Bao is very low

The review is all chosen by the user

In the step of "joining the contract"

There is no corresponding review mechanism

That is to say

Even if you allocate the amount for two years in Xiang Hu Bao

If The terms were not confirmed in the early stage

Relevant certificates could not be submitted in the later stage

According to the rules, the conditions for applying for mutual aid cannot be met

Then Xiang Xiangbao can refuse compensation openly

And it won’t refund the money you “donated”

Looking at it this way, it’s very deceptive.

Therefore, Chai Mei advises everyone

If you really want to have a guarantee

it is best not to put your hope in Xiang Xiangbao

Buy a serious insurance product

Xiang Xiangbao itself is just a commercial product in the hands of capital

There are too many problems

If it is abandoned by Ant in the future

The consequences are really hard to say

In addition, the compensation review mechanism of Xiang Hu Bao is too confusing

If it is really the critical moment of getting sick

Hu Hu Bao Baolai refuses to compensate...

That's the end of the world

Main writer | Xiao Lu

Editor | Si Shao

Not yet No reproduction is allowed without permission