How much does Alipay guarantee each other for one month?
Four seas network: mutual insurance is a new type of insurance introduced by Alipay, because its threshold is low and its charge is low. There are 10 million people on holiday on line for 7 days. Many friends are very concerned about the situation of keeping money together. How much money do they keep on each other? How do you deduct fees every month? Everyone is not very clear. Let's have a look.
1、 No deduction will be made during the waiting period of mutual insurance
According to the rule of Alipay mutual protection, everyone has 90 days' waiting period after joining, and even if they are sick, they will not pay for it.
That is to say, from October 16, 2018 to officially launched, each person has a 90 day waiting period. Until January 14, 2019, Alipay will begin to accept payment, so there will be no cost and no money will be deducted during this period.
2、 How much should I deduct every month
After the waiting period has passed for most people to join, the mutual insurance product will be officially put into operation. Then, according to the current 10 million members, how much will everyone share each month?
1. Official statement
According to Zeng Zhuo, deputy general manager and chief actuary of Xinmei mutual, about 50000 people will settle claims in each period, so 10 million people will be 200 people in each period, and the maximum amount of compensation is 60 million, plus 10% of the management cost of 6 million, that is, 10 million people will share 66 million yuan, and the deduction per person in each period is 6.6 yuan.
However, there are two publicity periods per month, so it is about more than 13 yuan per person per month.
2. Other statements
In addition, the actuarial calculation results are different. According to the average annual rate of disease being below 40 years old, the average annual rate of disease is 0.21%, and the average annual rate of disease is 40 for those over 40 years old. Among them, 75% Alipay users are below 40 years old.
Then the annual compensation amount per person is 330000 * 75% * 0.21% + 110000 * 25% * 0.45% = 643.5 yuan.
In other words, mutual insurance will deduct more than 53 yuan per person per month, four times the above calculated value.