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Alipay old version mutual treasure online old version mutual treasure added conditions

Alipay also launched the old version of mutual insurance, for those over the age of 60 years old, you can apply to join! After the mutual aid scheme of mutual aid for serious illness, in May 8th, Alipay went on the line "old version of mutual treasure", specifically for the 60-70 year old people to set up a separate cancer prevention mutual support community.

The elderly who meet the health requirements can apply for a mutual aid fund of up to 100000 yuan if they are suffering from malignant tumor. The amount shared by each person in a single mutual aid case is not more than 1 yuan.

"Our mutual treasure has more than 50 million people joining in, and has provided help to 36 members with serious diseases through mutual assistance, but it is mainly for users aged from 30 days to 59 years. 'introduced by Yin Ming, vice president of ant financial services.

According to Yin Ming, the elderly cancer prevention program for the elderly aged 60-70 follows the mutual aid mode of "one person is sick, everyone pays". Children can join for parents who meet the age and health requirements, and the elderly can join by themselves.

After that, if the elderly suffer from malignant tumor, they can apply for mutual aid of up to 50000 (mild malignant tumor) or 100000 (severe malignant tumor). There is no need to pay any fee when joining the scheme. The mutual aid fund is shared by all members. The amount shared by each member in a single mutual aid case is not more than 1 yuan.

Guo Jinlong, director of the Research Center for insurance and economic development of the Chinese Academy of Social Sciences, believes that as a group with relatively high risk of serious illness, the purchase of commercial health insurance for the elderly is subject to many restrictions and practical difficulties, such as high threshold and high cost, which makes the protection of serious illness risk for the elderly inadequate. The elderly version of mutual treasure reduces the security threshold, and improves the anti risk ability in the form of group mutual assistance, which is a useful supplement and exploration to improve the risk protection of serious illness for the elderly.

Prior to this, Zhou Jin, partner of PwC's financial industry management consulting, said frankly to the 21st century business reporter. The popularity of & lsquo; mutual treasure & quot; reflects the large number of people and demand not covered by the existing insurance products. On the one hand, the insurance industry suffers from the decline of premium growth, on the other hand, it allows such a large demand market. Now, with or without you, the market is there. What should the insurance industry do? "