What should the elderly do when they suffer from serious diseases and cancer? Following the mutual aid scheme of serious illness and mutual benefit, in May 8th, Alipay (old cancer mutual help) was launched to help the elderly to fight against the potential risk of cancer. The 60-70 elderly people with high blood lipids, hypertension and hyperglycemia can also join the program.
Only three hours after the launch, 110000 people joined the "senior version of Hubao", which also means that the upgraded version of Hubao was established.
One yuan apportionment
One yuan apportionment: the total amount to be apportioned in a year will vary with the number of people rescued each year. Mutual promise, a single case of mutual assistance, the amount of each person will not be more than 1 yuan. The more people join, the lower the per capita contribution. In the ordinary version of the mutual treasure, because the number of members is more than 50 million, the amount shared by each person is less than one cent.
100000 guarantee: once a member has cancer, he can apply for 100000 (severe cancer) or 50000 mutual aid (mild cancer).
Free to join: no money, as long as they meet the health requirements, their children can help to join.
Open and transparent: all apportionment cases and amounts should be publicized, open and transparent, and all payment records should be clear.
Simple claim settlement: no need to be present, upload claim settlement information by mobile phone, no objection by public announcement, and one-time payment.
According to the incidence rate of the elderly people, the third party institutions consider that the annual cost of the old version of mutual treasure is higher than that of mutual treasure, but it will definitely be lower than the commercial cancer prevention risk. All in all, the old people's version of Hubao can be exchanged for 100000 yuan of security at a low cost.
Three hours online, 110000 people joined
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, there were nearly 300 million people aged 60 or above, accounting for 17% of the total population.
According to the report of National Cancer Center, the incidence of malignant tumor increases with age, and the number of patients is mainly over 60 years old, reaching the peak at 80 years old. The cost of treatment is 50000 less and 300000 or 400000 more.
The older the elderly, the higher the probability of illness and accidents, the higher the risk of insurance companies to pay. At present, the market for the elderly cancer insurance, a payment type of price is generally 1500 yuan - 4000 yuan. The older you get, the higher the price.
Ant financial services said that the incidence of serious diseases in the elderly group over 60 years old is 2-3 times of that in the young group as a whole. To a certain extent, it is unfair for other people to join the mutual treasure among people over 60 years old with a large difference in the incidence of serious diseases. Therefore, a new independent mutual aid community called "mutual treasure for the elderly" was established.
According to ant wealth, within three hours of going online, 110000 elderly people joined the "senior version of mutual treasure", which has reached the minimum number requirement of this community. Yin Ming, vice president of ant financial services, took the lead in announcing the number of people going online in the circle of friends.
Among them, nearly half of the members are joined by their children for their parents, which is more than the proportion of the elderly who take the initiative to join. Another 5% of the elderly not only joined by themselves, but also helped their wives join together to seek mutual assistance.
Industry insiders said that this may become a phenomenal product again
Guo Jinlong, director of the insurance and economic development research center of the Chinese Academy of Social Sciences, believes that the elderly version of Hubao reduces the security threshold, and improves the anti risk ability through group mutual assistance, which is a useful supplement and exploration to improve the risk protection of serious illness for the elderly.
However, people in the industry suggest that the essence of mutual insurance is internet mutual assistance plan, and consumers need to realize the difference between mutual insurance and general commercial insurance.
The above-mentioned person pointed out: "major accidents can be compensated rigidly to a certain extent by mutual insurance and commercial insurance companies. However, due to the size of the number of people participating in the mutual assistance plan, there will be uncertainty in the amount of protection of the internet mutual assistance plan. Moreover, due to the lack of the protection of the reserve fund and the insurance regulatory legal system, the internet mutual assistance plan has a small ability to resist risks, and once it happens, it will not be able to avoid risks Major accidents could collapse at any time. '
In November last year, the predecessor of huhubao, Hubao, was suspended for suspected violations. Then the ant gold clothing renamed the 'mutual insurance' on Alipay, named "mutual treasure", and positioned it as an Internet based mutual assistance program. It no longer butted the "letter life insurance mutual insurance group mutual insurance group critical illness insurance". However, after the change of name, the number of users of "mutual treasure" has increased instead of decreasing.
Huhubao was born in October 2018. Within 9 days of its launch, the number of users exceeded 10 million. At present, more than 57 million people have joined the mutual aid program, and it is still increasing.
Ant financial service also reminds us that "mutual treasure for the elderly" is aimed at cancer risk. If conditions permit, in addition to medical insurance and "mutual treasure for the elderly", it is suggested that young users help their parents configure other medical insurance or accident insurance for the elderly, so as to ensure the elderly's later life.
Alipay old edition mutual treasure application conditions
The elderly cancer prevention program is a mutual aid program for the elderly people aged 60 to 70. It focuses on the protection of all kinds of high-risk cancers. Compared with the mutual aid program for serious diseases, the health requirements are more relaxed when joining, and patients with three high and cardiovascular and cerebrovascular diseases have the opportunity to join. You can join the program for parents aged 60-70, or you can choose to automatically transfer to the elderly cancer prevention program after the age of 60 to continue to get mutual assistance.
Where does Alipay's old version of mutual treasure join?
1, open Alipay app, search the old version of mutual treasure directly, as shown in the following figure:
2. Then click on the mutual treasure elderly cancer prevention program to apply for parents to join
3. Then fill in the information according to the process.