Alipay released yesterday, 'mutual insurance' officially upgraded to mutual treasure, then the newly upgraded mutual treasure cost 188 yuan cap what does it mean? Do you join the newly upgraded mutual treasure? I believe many people are more concerned about the issue of how much money they need to share after upgrading each other.
In addition to the name change, mutual insurance will no longer be linked to the mutual group serious medical insurance of Xinmei Life Mutual Insurance Co., Ltd., and the management fee of mutual insurance will be reduced from the original 10% to 8%.
About the upgrade of mutual insurance, you may be concerned about 9 questions:
(1) Why upgrade mutual insurance?
Recently, Alipay has received a mutual notification from its partners. Due to being interviewed by the regulatory authorities, Xin Mei can not continue to sell the "mutual insurance group mutual insurance group critical illness insurance" in the name of mutual aid and mutual assistance plan. In order to further protect and enhance the rights and interests of users, after careful discussion and careful consideration, it was decided to upgrade the original "mutual protection". This is an active adjustment based on the current situation from the perspective of user rights and experience.
(2) What are the differences between the new upgraded "mutual benefits", user service and experience?
The new "mutual protection" and the original "mutual protection" are basically the same in terms of the scope of serious illness protection, sharing mode and mutual fund amount. In addition, to absorb some of the feedback from users, and to further enhance the user's rights and interests, Alipay has optimized three aspects of the new mutual treasure service:
1) The total apportionment amount of each user during the period from January 1 to December 31, 2019 shall not exceed 188 yuan, and any excess part shall be borne by ant financial service.
2) The management fee will be reduced from 10% to 8%.
3) in the future, if the participation rate of 'mutual treasure' is less than 3 million 300 thousand, the plan will not immediately dissolve, and Alipay will continue to provide users with a serious illness guarantee for a year.
(3) How to upgrade the existing mutual protection users?
Users who have been added to mutual protection can choose to upgrade according to the prompts on the product side. After upgrading, users do not need to recalculate the waiting period.
(4) If the original "mutual guarantee" users do not choose to upgrade, can they still enjoy the original guarantee?
Without upgrading users, the security and service experience obtained will remain unchanged. Alipay will still abide by the agreement to provide users with relevant security services.
(5) The original "mutual protection" user exits and adds to "mutual protection". Do you want to recalculate the waiting period?
The user actively exits mutual protection, and then adds it to mutual protection. The waiting period needs to be recalculated. However, if the user chooses to upgrade to "mutual treasure" according to the guidance, the waiting period does not need to be recalculated.
(6) How do users allocate when mutual protection is upgraded to mutual protection?
Select the users who are upgraded and newly added to "mutual treasure" to participate in the sharing. Users who join "mutual protection" before December 31, 2018, whether upgrading from "mutual protection" or newly joining, the cost sharing involved before January 31, 2019 will be borne by ant financial services, and users do not need to pay.
Users who do not choose to upgrade will stay in the original plan to participate in the allocation.
(7) Has the operation subject changed from mutual protection to mutual protection?
Yes, the original "mutual insurance" was underwritten by the insurance company Xinmei mutual insurance, and the related insurance was jointly provided by Xinmei mutual insurance and ant financial service, while the new "mutual insurance" is a network mutual assistance plan independently operated by ant financial service.
(8) Who will be responsible for the verification of mutual assistance application cases in "mutual treasure"?
In the new 'mutual treasure', the verification of mutual application cases will be handled by Ant King, and Alipay will entrust a professional third party assessment agency to investigate and deal with it.
(9) At present, how about the application of mutual insurance? Who is responsible for the verification of existing mutual insurance application cases?
Since the launch of mutual insurance on October 16, 10 users have initiated mutual assistance applications, but have not submitted relevant information. Simei will continue to participate in the investigation and verification of these 10 applications.