January 7 is the publicity day of Mutual Treasure, and although it has been shut down, Mutual Treasure has announced the latest mutual aid information as scheduled. According to the product page, 3,800 more members have received assistance in this period, and a total of 560 million yuan of mutual aid funds will be distributed to them. According to the commitment in the shutdown announcement, the 560 million yuan will continue to be borne by mutual treasure without member apportionment.
After the shutdown, the most worrying problem for users is that their own protection will be interrupted, and the risk of "naked running" is very large, and they cannot find a suitable product to continue the protection for a while. In the shutdown announcement, Mutual Treasure also suggested that members choose the follow-up protection plan according to their own protection needs.
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Can switch to insurance with a low threshold,
Some netizens summarized the strategy of wool
Some netizens found that the "Health Welfare" series of insurance on the announcement page can be said to be a seamless and flat version of mutual treasure, not only with a wide range of protection and low price, but also for mutual treasure members with a 3-month insurance free period and premium subsidies. More critically, mutual treasure members do not need to recalculate the waiting period, do not need health notice, and the low threshold can be transferred with one click.
According to the product page, the "Health Welfare" series of insurance is underwritten by PICC Health and Sunshine Life, and there are three products in total, which correspond to The existing Mutual Aid Plan for Serious Illnesses (0-59 years old), the Mutual Aid Plan for the Prevention of Cancer for the Elderly (60-70 years old) and the Mutual Aid Plan for Chronic Diseases. It can be seen that in order to keep their users from "running naked", Mutual Treasure also gives an understanding method.
In addition to the seamless continuation of the protection without re-health notification and the waiting period, Mutual Treasure has also given a large number of subsidies and preferential treatment in the process of switching to insurance. So many netizens have shared the "Wool" strategy on social media. Some netizens said that after their own testing, they found that a single 3-month insurance free period can save more than 200 yuan for a family of three. After three months of free insurance period, there are also Alipay universal red envelopes with varying amounts, and dozens of "wool" are in hand.
If you are a member of Mutual Treasure, you must remember to click "Open New Protection" on the page before January 28th, upgrade the insurance with one click, not only can you get 3 months of critical illness protection for free, but also get cash subsidies and discounts.
Wider coverage,
The annual premium for under the age of 30 is less than 100 yuan
Of course, in addition to the free wool, what users really care about is how the "health welfare" insurance is? Has there been any change in coverage? Is it expensive?
According to the product rate table, the "health welfare" is all priced according to the age group, and the premium is fixed for every 5 years old. In terms of payment mechanism, users pay premiums in 2 installments per month, which further reduces the threshold for participation. Some netizens calculated that users under the age of 30 participated in insurance, and the annual premium was less than 100 yuan. In addition, for middle-aged and elderly people, the price advantage of this product is more obvious than that of the same type of product.
Compared with the mutual treasure only for major illness protection, the coverage of the "Health Welfare" series of major illness insurance has also been expanded. Taking "Health Welfare and Serious Illness No. 1" for users aged 0-59 as an example, its coverage covers 120 kinds of major diseases, rare diseases, 20 kinds of moderate illness and 40 kinds of mild diseases.
In addition, unlike the one-time mutual assistance of mutual treasure, "Health Welfare And Serious Illness No. 1" is a multi-time compensation design, and the insured user can apply for a claim multiple times depending on the degree of illness suffered. Among them, the total protection amount for 0-39 years old is 300,000 yuan, including 100,000 yuan for 1 severe illness claim, 40,000 yuan for 3 moderate illnesses, and 20,000 yuan for 4 mild illnesses. The total amount of protection for 40-59 years old is 100,000 yuan, including 40,000 yuan for 1 severe illness claim, 20,000 yuan for 2 moderate illnesses, and 10,000 yuan for 2 mild illnesses.
It is not difficult to see that the "Health Welfare" series of insurance fully takes into account the protection needs and price affordability of mutual treasure members, and is as inclusive as possible. Although it cannot completely surpass each other's treasures, it is better to ensure stability and cheap price. Considering that there is no need to re-inform the members of the mutual treasure to transfer, there is no need to recalculate the waiting period, so it is suitable for most members to switch.
Who is suitable for switching to Health Welfare insurance?
First of all, the conclusion is recommended to turn each other treasure members.
First of all, for those members who have no other serious illness protection other than mutual treasure, it is recommended to turn directly, after all, at least there is a bottom of the guarantee is much better than "naked running";
Secondly, those members whose physical condition has changed, should turn even more. In this case, if you choose other serious illness products, you will basically not be able to apply for insurance because you do not meet the health notice. In contrast, mutual treasure members can be insured with "health benefits", which can be exempted from re-health notification and recalculation of the waiting period, which fundamentally solves this situation.
Finally, for those who already have a relatively complete major illness protection, it is also recommended to transfer. After all, the general economic conditions of such members are not too bad, and usually the annual serious illness insurance is several thousand yuan. Spend one or two hundred yuan to switch to health and well-being, one more point of protection and more peace of mind.
However, it should be noted that "Health Welfare" is a one-year serious illness product, and after insurance, as long as the insurance company does not stop selling, we can renew the insurance every year; however, if the insurance company stops selling the product, it will face protection interruption. Although the probability of product discontinuation is extremely low on the whole, there will still be risks in this regard. Therefore, in addition to upgrading health benefits, we must also continuously improve the protection according to our own needs.
In 2021, the domestic network mutual aid industry has undergone tremendous changes, 9 platforms such as Meituan Mutual Aid, WaterDrop Mutual Aid, and Easy Mutual Aid have been shut down one after another, and Mutual Treasure is the last large-scale network mutual aid plan to announce its closure, which also marks the collective end of network mutual aid in China.
Mutual treasure has become a "thing of the past", will you consider switching to Health Hordes to continue to protect?
Duty Editor Gully