The mutual aid industry has changed dramatically over the past year. After Huanbao announced the closure, a total of 10 mutual aid platforms will be shut down one after another in 2021. So far, all mutual aid platforms belonging to Internet giants have withdrawn. People are used to calling mutual assistance online mutual assistance, and many people confuse it with financial mutual assistance such as 3M and Shanxinhui, and mistake it for an Internet-like financial pyramid selling platform that encourages the development of members and gives rewards. In fact, from the perspective of function and value, it is more appropriate to call mutual aid for serious illnesses. Many people say that mutual aid for serious illness is a scam, and they understand and feel helpless. Many of the problems mentioned by everyone actually exist, such as high allocation, insufficient transparency of information, and difficulty in claim settlement. At the same time, mutual assistance users are extremely sinking, and their confusion and scolding about the price of allocation gold is understandable.
However, the ignorant accusations of many highly educated people and even insurance practitioners make people very helpless. This also reflects the awareness of protection awareness and principles, and the professional quality of insurers may not be as optimistic as thought. Behind the "scam", there are actually several common senses: not insurance does not mean unreliable; high cost performance and low threshold do not mean it is exclusive to the poor; a substantial increase in apportionment does not mean unreasonable; refusing to pay does not mean irresponsible; common problems Not the original sin of mutual aid. 1. Not insurance ≠ unreliable Many people, especially insurance practitioners, easily hold the logic that "mutual aid for serious illness is not insurance, so it is not reliable". The fact that mutual assistance is not insurance does not mean that it is unreliable, and whether mutual assistance is insured or not is not important. Everyone's needs are whether Phone Number List mutual assistance can solve problems for him after getting sick. For participating users, distinguish the difference between mutual aid and insurance, know the possible risks, and then choose a reliable mutual aid platform.
There are many problems of mutual aid in serious illness, but they are not unsolvable. Although the mutual aid platform is not under the supervision of the China Banking and Insurance Regulatory Commission, it does not mean that it is not subject to supervision and management at all, and may face stricter supervision in the future. It is not appropriate to use the certainty of insurance and risk control standards to measure mutual assistance. The standards for whether insurance is reliable and whether mutual assistance is reliable may be quite different. On the other hand, in many cases, mutual aid is reliable because it is not insurance. There are no sales commissions, no prepaid fees, low participation thresholds, and information is open and transparent. Second, it is the protection of the poor, and it is the most economical mode of protection Many people say that mutual aid is the protection of the poor, which is an unbiased statement. It is undeniable that the low threshold for mutual assistance has attracted a large number of non-commercial insurance access people, such as people with abnormal health and people who cannot meet economic conditions. Mutual treasure’s public data shows that 79.5% of its mutual aid members have an annual income of less than 100,000 yuan, and 72% of them are in third-tier cities and below.