On January 28, the domestic network mutual aid platform - Mutual Treasure will be officially shut down, and the network mutual aid industry has basically announced the end.
According to the information previously published by Mutual Treasure, in the past three years of operation, a total of 21,188 Guangdong people have been rescued on Mutual Treasure, and the number of recipients ranks among the top in the country. When the mutual treasure is closed, will the future health protection of 75 million members stop?
Images of serious illnesses:
Around the age of 40 is a period of high incidence of severe disease
Recently, Mutual Treasure made the last public announcement before the shutdown: a total of 3959 members were rescued in this period, and the platform undertook 580 million yuan of mutual aid funds. This also means that since the announcement of the closure on December 28 last year, the third phase of Mutual Treasure has borne more than 1.7 billion yuan of rescue funds.
The overall three-year mutual aid data was also released. In the past three years, The total number of rescue members of Mutual Treasure has reached 186,000, which is equivalent to an average of more than 170 people being rescued every day, of which 97,862 are men and 89,099 are women.
From the perspective of regional distribution, there are 21,188 people in Guangdong, ranking first in the country in terms of the number of recipients, followed by Shandong with 15,693 people, Henan with 14,171 people, Jiangsu with 12,609 people, and Hubei with 10,616 people.
It is worth mentioning that among these 186,000 people, 8 serious diseases led by lung cancer account for 58% of all rescued people.
From the perspective of the distribution of diseases and ages, the top 5 high-incidence serious diseases in men are lung cancer, acute myocardial infarction, intestinal cancer, craniotomy, and gastric cancer, with an average age of about 39.3 years old, while the top 5 high-incidence serious diseases in women are breast cancer, lung cancer, cervical cancer, bowel cancer, and thyroid cancer, with an average age of about 42.1 years old. There are 109213 members suffering from the above serious diseases, accounting for more than 58% of the total rescue members.
What cannot be ignored is that the trend of young ageing of serious diseases is obvious, and some "post-90s" have begun to be attacked by serious diseases.
Experts remind that major diseases have a huge impact on personal and family life, and early protection, regular physical examination, and early treatment are the compulsory lessons for modern people to cope with the risk of serious diseases.
According to the 2021 edition of the "Screening and Prevention Recommendations for Common Malignant Tumors of Residents" issued by the Shanghai Anti-Cancer Association and the Affiliated Cancer Hospital of Fudan University, it is recommended to screen people over the age of 40 who are eligible for smoking for 20 years (that is, 1 pack of cigarettes per day for 20 years, or 2 packs of cigarettes per day for 10 years), passive smoking, occupational exposure history, lung cancer family history, and lung-related medical history. Achieve early screening, early diagnosis, and early treatment.
Critical illness coverage cannot be broken
Mutual treasure members can switch to critical illness insurance without a threshold
Around 40 years old people are the "top pillar" of the family, this part of the population as a source of income for the family, if you suffer from serious diseases, not only to consume higher treatment and rehabilitation costs, but also due to the inability to work properly and lead to income loss, suffering from serious illness, the impact is likely to be a whole family. Therefore, the protection of serious illness has an important risk bottoming effect.
In order to avoid the interruption of member protection, mutual treasure members can independently switch to the "Health Welfare" series of serious illness insurance without threshold, without re-health notification, without re-calculating the waiting period, and the first 3 months after successful insurance application are free.
It is understood that the "Health Welfare" series of serious illness insurance is underwritten by PICC Health and Sunshine Life, which is divided into three products, corresponding to the existing Mutual Aid Plan for Serious Illnesses (0-59 years old), the Elderly Cancer Prevention Mutual Aid Plan (60-70 years old) and the Chronic Disease Mutual Aid Plan.
Members who do not want to transfer insurance immediately can also choose the appointment function of the platform and choose to automatically apply for insurance at 24:00 on January 28. Real-time data shows that since the announcement of the closure of Mutual Treasure, more than 10 million members have been insured with the "Health Welfare" series of serious illness insurance.
According to a survey by the "Cyber Mutual Aid Industry White Paper", 68% of the respondents to the Network Mutual Aid Industry have not previously bought commercial insurance. Insurance industry experts believe that after the closure of mutual treasure, this part of the user should pay attention to avoid protection interruption, and switching to serious illness insurance without threshold is a more humane continuation protection program. In addition, medical insurance products provided by local governments can also be considered.
Source | Yangcheng Evening News, Golden Sheep Network, Yangcheng Pie
Text | Yangcheng Evening News all-media reporter Shen Zhao
Edit | Wooden words
Proofreading | Zhou Yong
Audit | Shum Jay Chang
Issue | Sun Chaofang