List of mutual protection coverage for which diseases
Sihai network: at the end of last year, Alipay launched mutual treasure, triggering popular debate. Mutual treasure needs more than 650 credit of sesame seed to join. Then what kind of disease does Alipay mutual guarantee cover? Let's look at the scope of mutual protection.
What diseases do Alipay pay for each other?
1. What does mutual insurance cover for 100 serious diseases?
Alipay protects each other from 100 diseases, including malignant tumors, acute myocardial infarction, sequelae of severe stroke, major organ transplantation or hematopoietic stem cell transplantation, coronary artery bypass grafting, coronary artery bypass grafting, end-stage renal disease, chronic renal failure, uremia, and multiple limb loss. Memory or subacute moderate hepatitis, benign brain tumors, etc. xicaijun doesn't move all here. Let's teach you where to check.
2. Where can I view mutually insured diseases?
After joining mutual insurance, you can click the name on the mutual insurance details page to enter the protection details page. There is an [insurance clause] in the terms agreement, which contains a detailed introduction to these 100 diseases. When viewing, first pay attention to the definition of diseases, and then carefully read the bold part, which is very helpful for future reporting.
Alipay protection
Mutual insurance covers 99 serious diseases + malignant tumors. If the age of initial diagnosis is 39 years old and below, the guarantee fund is 300000, and if the age of initial diagnosis is 40-59 years old, the guarantee fund is 100000.
In addition, genetic diseases, congenital malformations, deformations or chromosomal abnormalities cannot receive security payments.
Detailed explanation of insurance conditions and hot issues
Tips on mutual insurance
Q: A single case is apportioned to no more than 10 cents. If 10000 people get sick in a month, don't you have to deduct 1000 yuan?
A: Please rest assured that this will not happen. The overall incidence of serious diseases of human beings has a roughly predictable range. According to our actuary's estimation, the maximum amount of money shared in each period is more than ten yuan.
What's more, the more people join, you don't have to share a dime for each case, maybe five cents or two cents.
Q: I joined mutual insurance today. What if I regret tomorrow? A: After joining, you can quit at any time, and your protection will be terminated accordingly. However, before exiting, the publicized cases need to be apportioned. In addition, if you also let your children join the mutual insurance, your children will also quit with you after you quit.
Of course, you can join again at any time after quitting, and mutual insurance can be paid until the age of 60.
Q: The application for claim settlement should be publicized. Doesn't everyone know that I'm ill?
A: Please rest assured that sensitive information related to personal privacy and security in public cases will be kept moderately confidential, and the publicity will only be made public within the mutual insurance, which can only be seen by the mutual insurance policyholders.
Q: If you have bought other serious illness insurance before, does it conflict with mutual insurance? Can you apply for claims at the same time?
A: If there is no conflict, the claim can be settled repeatedly. For users who join mutual insurance, they can get rid of 100 serious diseases within the scope of insurance_ Receive 300000 or 100000 security benefits at one time.
Q: Why do I enter the mutual insurance page and ask you to look forward to it?
A: Mutual insurance is an insurance service jointly launched by ant insurance and Xinmei to ant members. Ant members under the age of 60 with a sesame score of 650 can join mutual insurance for 0 yuan. At present, the product has just been launched and is gradually opening to users.
Q: If a person participates in mutual insurance at the age of 40 and falls ill at the age of 61, can he get a claim?
A: If the user is over 60 years old, he will automatically quit mutual insurance. Naturally, he can't get the settlement of mutual insurance claims. The current design guarantee scope of mutual insurance is between 30 days and 60 years old. Users in this age range help each other.
However, with the accumulation of experience brought by mutual insurance, we will try more subdivided or specific groups of mutual protection plans in the future, so that more people can get better protection.