Related introduction:
The function of Mutual Treasure is that when a member suffers from a serious illness (the range is 100), he can enjoy a security fund ranging from 300,000 yuan to 100 yuan, and the expenses are shared by all members.
Mutual treasure charges 8% management fee, which is mainly used for case investigation and audit, product operation, technical input and other expenses. Shao Xiaodong, general manager of Ant Financial Services Mutual Treasure Division, revealed that the current management fee of 8% cannot completely cover the cost of mutual treasure. In the future, we will continue to reduce costs and achieve breakeven through technical means.
Every mutual aid case of Huzhu Bao will go through three major investigation and review processes, from initiating the application to providing help:
1. First, professional investigation agencies conduct strict field investigations. The contents of the investigation include the applicant's illness, medical treatment and the applicant's past medical records. To ensure that the applicant meets the "health requirements" and mutual assistance conditions.
2. Second, the mutual treasure audit team rechecked the survey data, and the investigation and audit were independent to ensure the fairness and justice of the case results.
3. The third is to open the case and accept the supervision of the whole society.
Extended data
Mutual insurance provides protection first, and then participants share the cost. Although there is only a "small half-dollar relationship", every help-seeking case must be publicized to hundreds of millions of Alipay users and accepted for supervision.
More than 6,543.8 billion people in China have joined the serious illness mutual aid program "Mutual Treasure" on Alipay. According to the public data of Mutual Treasure, more than 1 0,000 seriously ill members have been rescued while ensuring 1 100 million people.
Following the "Huzhu Bao", Alipay launched the "Huzhu Bao for the Elderly" to set up a separate anti-cancer mutual aid community for the elderly aged 60-70. Elderly people who meet the health conditions and suffer from malignant tumors after joining can apply for a mutual aid fund of up to 65,438+10,000 yuan, and the amount shared by each individual mutual aid case does not exceed 1 yuan.
Baidu encyclopedia-mutual treasure
Beijing News Network-Hubao has more than 80 million members.