Who can't join mutual treasure? Have you read these discriminatory conditions carefully
Sihai network: Alipay's recent launch of mutual treasure has caused widespread heated debate. It only needs a small amount of money to help others, and at the same time, give yourself more protection. However, it seems wrong. Did you read it carefully before joining mutual treasure? There are many discriminatory conditions hidden inside, which makes people feel discriminatory. Who can't join mutual treasure? Let's read it in detail.
This new insurance is a bit like the subversion of western education against Chinese education. For example, it is not difficult for some universities in Europe and America to enter, but it is difficult to graduate. Most Chinese people are after the age of 40, and the probability of serious illness is gradually increasing. Especially after the age of 60, the upward trend will be steeper and steeper, which means that the possibility of serious illness is much higher.
However, mutual insurance is only applicable to the present, and it is in the prime of life. It is not necessary to talk about over the age of 60. In the young and middle-aged, most people have jobs, social security and medical insurance, and have the ability to make money. If there is a chance, they also have a certain ability to deal with it. This insurance can never be relied on for a long time. For example, those who live in the villa can stop at any time, and those over 60 can automatically go away.
The access of this insurance is much more vague than the usual serious illness insurance, which means that some people who may be ill can join.
People hope that they will be healthy in the future. In case of serious illness, it is certainly a good thing to have insurance to settle claims. I wonder if there are real-time cases to come out because of fuzziness and tell you: 'you see, this insurance is good, and there are claims every month.'
Example: chronic gastritis. Many Chinese people have stomach problems. Who calls us iron stomach and dare to eat anything. In fact, many people can control common diseases through diet and living habits without taking drugs or taking drugs for a long time. More than 60% of chronic gastritis is caused by Helicobacter pylori, which is a class of carcinogen certified by who and does not actively treat Helicobacter pylori infection, It is possible to cause gastric cancer in the future, and gastric cancer is one of the major causes of cancer death in China.
And some people who are generally healthy can't join.
After a careful look at the terms of mutual insurance, these healthy people can't vote. There may be some discrimination in it!
Example 1: women of childbearing age get pregnant by medical means. In order to promote ovulation and artificial pregnancy for the second child, as well as women of childbearing age who are pregnant but need fetal protection, and some women of polycystic ovary syndrome, these people usually take drugs for more than 30 days in the process of pregnancy preparation. It is a long process whether they take progesterone for fetal protection, take drugs to regulate menstruation or take drugs and injections to promote ovulation, Are these women unhealthy? Not really, it should belong to healthy people. Such people are clearly excluded from mutual insurance.
Example two: hepatitis B virus carriers. Hepatitis B virus carriers are not sick, many carriers do not have symptoms of hepatitis B, liver is also not pathological, daily contact will not cause what infection to the crowd, usually through mother, infant, blood, sexually transmitted infection of the virus. Of course, if the virus is contained in the body, it may cause severe liver cirrhosis and liver cancer. However, about 90 million people in China still live healthily as carriers, which is no different from normal people, and there is no infectious or extremely low infectious. Even the state explicitly prohibits discrimination against such people when seeking employment and study, but 'mutual protection' discrimination.
So, after looking closely at the terms of Alipay's mutual protection, this product is full of disappointment, not money, but it claims to love each other, but it does discriminate against itself.