Do you join each other? Now Alipay has launched the old version of the mutual treasure, and quickly join your parents! After the mutual aid program of mutual help for serious illness, today, Alipay is on the line of the 'old version of mutual treasure', which sets up a separate cancer prevention and support community for the 60-70 year old. The elderly who meet the health requirements can apply for a mutual aid fund of up to 100000 yuan if they suffer from malignant tumor after joining the group. The amount of "one person is ill, everyone will share" is not more than 1 yuan in a single mutual aid case.
The aging of population is the basic national condition of our country for a long time to come. According to the data of the National Bureau of statistics, by the end of 2018, China's population aged 60 and above was nearly 250 million, accounting for 17.9% of the total population, and the growth rate continued to accelerate.
The aging population is facing more health problems. According to the information released by the Ministry of civil affairs, cardiovascular and cerebrovascular diseases, malignant tumors and respiratory diseases are the top three causes of death among the elderly in China. Therefore, in addition to the basic security of social security and medical insurance, serious illness security for the elderly has become a topic of common concern.
"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. Yin Ming, vice president of ant financial services, said that in order to provide more users with inclusive protection, we launched "mutual treasure for the elderly" to provide a platform for mutual help for the elderly with serious illness protection needs.
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.