Mutual insurance, as a new type of Internet insurance, has been attended by more than 3 million people so far. Alipay mutual insurance has two apportionments each month, on the 14 and 28 days respectively. Many friends do not know how much money they will have to pay for each period of Alipay mutual protection. In fact, it is a kind of public funding in disguised form. Then how much will Alipay share with each other?
How much does Alipay want to pay for each other?
1. Calculation formula for apportioned amount of mutual insurance in each period
Apportioned amount of each period = (Security Fund + management fee) / apportioned members
Guarantee fund: each member's apportioned amount for a single sick member shall not exceed 0.1 yuan, and if the apportioned amount of each period is less than 1 point, it shall be calculated as 1 point.
Management fee: equal to 10% of each security deposit.
I can't understand it very well. With the following example, you can understand it.
2. Examples
For example, the number of members in mutual insurance is 5 million, 100 cases of accident are publicized, and the maximum compensation amount is 30 million yuan, plus the 10% management fee stipulated in the agreement, that is 3 million yuan. Then, on the allocation date, 5 million people will share 33 million yuan equally, and each person will deduct 6.6 yuan of premium in the current period. If you are not willing to continue the allocation, you can choose to exit at any time after completing the public allocation.
3. Two small details
There are two details about how to deduct fees for mutual insurance:
(1) mutual protection means that if you join your underage children, then he is also a member of the fee paying account. Your Alipay account also needs to pay a fee for him.
(2) If you don't have money to deduct on the allocation date, you will be forced to withdraw after 5 days, and sesame score may be affected.
4、 Will there be no ceiling on the amount of money to be paid each month?
Although the threshold of 'mutual guarantee' 0 yuan participation is very low, based on the above mentioned principle, some people are worried about whether the subsequent apportionment will pay more and more money, and there is no upper limit.
In reality, the probability of this situation is very low.
Zeng Zhuo, chief actuary of SIMEX mutual, told reporters that in fact, the probability of serious illness is not high. According to his estimation, the user's sharing expenses in the first year may be between 100-200 yuan.
As of the afternoon of the 19th, there were more than 3.3 million mutual insurance users. Some netizens are concerned that "mutual insurance" is apportioned according to the actual claim amount of each month. Can it cost less to join when 100 million people are insured?
In this regard, an insurance industry person said to reporters: 'statistically, when there are enough samples, the proportion of the number of patients and the total number of insured will remain stable, so when the number of insured exceeds a certain number, the amount shared by each person will not change significantly. '