Yesterday, wheat professor was written about mutual treasure first " compensate careful is round " the relevant topic of second reading incident.
Not big spray was caused in today's top headlines (many 1300 comments, wheat teachs this wheat to had borne not to rise. . . . . . ) , the criticism became much natural viewpoint has differentiation, everybody is open to question have those who discuss also is meddlesome.
Of course still the comment says, wheat teachs the fund that controlled insurance company, intended black mutual treasure. . . . . . . .
Insurance company, saw? Give money! !
Say a subject, from the point of the article yesterday, have a few problems or should say to be clear about to everybody again.
A lot of people of 1 · do not know mutual treasure is originally " protect each other " , so why does it want incognito?
2 · are safe, charity is donated, is the fixed position of mutual treasure what after all?
The mechanism of 3 · mutual treasure is reasonable, "Compensate " can careful group ensure justice?
What is the logic of backside of 4 · mutual treasure, how to realize gain?
After believing to understand these a few problems, it is to choose mutual treasure or commercial insurance after all, everybody has the result. (think what? Be bought of course! )
01
"Treasure " cannot " protect "
Believe now everybody to " mutual treasure " do not be equal the concept at insurance already very clear, but why should change this name, have very big knowledge however rear.
Original " protect each other " be be taken by ant gold and mutual insurance company rolls out letter beauty birthday jointly, believe beauty life accept insurance.
But immediately, the line on the product is less than a month, because the partner believes beauty birthday to be superintended,the branch talks about, be pointed to to be suspected of violating compasses, accordingly cannot with " defend coadjutant plan of a serious illness each other " name continues to sell " letter beauty birthday is sure to protect an organization to weigh disease disease to be sure each other each other " .
So far, "Protect each other " formal more the name is " mutual treasure " .
Do not know everybody has knowledge to believing beauty birthday, this new-style mutual insurance company, can saying is the close son that ant gold takes, if " mutual treasure " be sold as before as safe definition, so letter beauty life can say is to lie earn one sheet 20 million person (the mutual treasure at that time shares a number) round danger is only!
So, traditional insurance company people inform against namely backhand. . . . .
Mutual treasure ate whose cake, self-evident.
02
Safe, donate, foolish foolish cent is not clear
After the property of mutual treasure is believing beauty birthday to exit, broke away from with insurance substantially.
But, it follows apparently " water prepares " such product is different still, wheat professor feels, present mutual treasure, it is card be in " safe " and " numerous chip donate " between do not go up to fall.
Of course, can say this kind of confluence is a kind of new breakthrough, partook medical treatment pressure of the government, also added a safeguard more for masses.
But also be to hidden trouble is in at the same time.
Once will be sure to blur with donative bounds, with current social condition, will bring about big batch itself to have the person of insurance demand, because of this do not join protect.
For the episode that takes this Mr Tang, he is to decline accidentally bring about insensible. If Mr Tang has the word that buys accident a place difficult of access, so insurance company can make corresponding compensate pay certainly.
Present cancer incidence of a disease arrives high mysterious, but if if everybody is to have a heavy difficulty to oneself,be being ensured. So mutual treasure is highest the compensate of 300 thousand pays, to the medical treatment cost of major disease, how much can be you enclothed?
More what is more,the rather that, in 40-59 year old serious illness sends an area high, the highest compensation of mutual treasure is only 100 thousand yuan.
Protect each other after coming on stage, a lot of people feel, should leave to pa Mom rapidly pay treasure Zhang date to attend!
Why does present youth want to buy insurance to pa Mom? Because know pa Mom age is old,be, the probability of sicken is high also, a parents that oneself can assume again how much high medical treatment cost.
But mutual treasure sets, after more than 59 years old, quit this plan automatically.
So the safeguard after 60 years old, whether can we transfer in time to be sure to more effective tradition, if buying medical treatment a place difficult of access to moment, for the age with 60 years old, cast insurance cost to use tall fearsome.
The core that is sure because of commerce calculates a model through essence of life namely, go the different risk of a different crowd, convert becomes different insurance cost. So we see a lot of insurance company can roll out the serious illness risk that is less than 100 yuan every year in the light of the youth accident perhaps danger, and person of many years old 50 is cast take care of disease risk, at least has on 1000 yuan.
Say so, look be like a top 188 yuan apportionment of expenses is not much, but the price mechanism itself of this treat equally without discrimination has a problem.
Ant gold takes insurance cause group president Yin Ming bright when accepting media to interview, reply truly say, "Protect each other " can not replace existing serious illness risk.
Analysed the fixed position of mutual treasure from safe angle, we look again numerous prepare donated point of view.
If participator, the attitude that adopting free to display love will share mutual treasure, won't have any problems absolutely so, why can this have 40% to bear Mr Tang more namely explain the member that get the compensate try of coadjutant gold.
Because family from the start feels this is a thing that offers love, also achieved the goal of risk of apportion society medical treatment.
Just, go with data statistic in this 45 million person, how many having is to be being taken " cast protect " the purpose will get authority the opportunity of survival of a gleam of of provide timely help, having how many person again is to be being held in the arms " donate " the purpose will perfect, not be the thing that can say to understand.
This namely why yesterday mutual treasure of wheat professoriate Diss. More after the name unisonant and different word, it is to be in actually intended innocently faintness is sure and help each other donative bounds.
If from explain we cry at the beginning " prepare each other " , the participation that estimates everybody is spent absolutely so won't tall, and similar Mr Tang such case, also can win humane minister directly.
03
"Compensate careful is round " the mechanism is just
Here " just " have two sides, one is evaluation the process is judicial to party.
Another namely, after when coadjutant gold apportionment of expenses exceeds an user to assume upper limit, amount general by pay treasure to assume, to so to moment " is compensate careful round " can you become the excuse that pays treasure shirk duty?
The heavy burden when this two respects is ultimate stay is in " compensate careful is round " when going up personally, whether is this mechanism reasonable?
According to us normal logic looks, give tens of people of 10 thousand his destiny, be sure than giving the branch of examine and verify of insurance company perhaps arbitrates the orgnaization is more advantageous.
But form by broad user " compensate careful is round " , its effectiveness and professional the jury that how goes up with traditional sense is equal?
Actually, in modern politics system " the delegate is made " it is the most valuable invention.
No matter be western assemblyman, still be representing of National People's Congress, its produce a course, pass ' election ' this flow, the bank note is much person become a delegate.
Is the member with the masses round evaluation of so mutual treasure what to kind of flow pass to single out come?
All and mutual treasure participates in a member, through answering a few simple questions, the member that can become compensate careful.
But in consciousness of foundation of current compatriots insurance not perfect case falls, spend to the major of this 45 million user in us cannot beforehand below the situation that estimate evaluates effectively perhaps, rushed the jury system that introduces Yingmeifa to fasten, let the people decide compensate, wheat professor feels this rather too trifling matter.
In fact, in insurance this kind compares sensitive financial product to go up, flower beauty also dare not use jury to discuss a mechanism at will.
Accordingly, although such mechanism purpose is for program justice, fairness, but the environment that matures not quite at present in home goes down to use, be breakneck.
"People ' S Vote " not be any setting are applicable, everybody also saw the farce that England takes off Europe. For the party that helps to awaiting coadjutant gold, the consideration of compensate careful group is him " the affairs of state " .
Face giant nowadays user group, I believe what to can load is take to have this responsibility with ant gold in A, go perfecting mutual treasure ceaselessly this original idea is cogent the product of benefit civilian.
04
"Mutual treasure " how be Ali gain
Finally, wheat professor wants to follow everybody again much say a few words.
Because always have some " plot is talked " conclude, its are logically: It seems " mutual treasure " fail Ali gain, they develop how possibly not the product of gain? Have big problem for certain rear so!
This kind of idea is logistic wizard really. . . .
Begin has had said, if mutual treasure becomes a kind of safe new form really, that is a revolution of pair of traditional insurance company really, their cake is absolutely readily also not remnant.
This everybody can make understanding a bit, traditional insurance, basically be to rely on to need rate, advantage to death poor rate, the rate that expend difference realizes gain.
It is with dead poor rate exemple, it is accident difference, it is to show insurance company books death (accident) rate and actual death (accident) the difference between rate, guarantee cost namely.
E.g. , 10 people are cast guarantee accident a place difficult of access, in all 100 thousand yuan. Among them 1 individual misfortune be or get out of danger, insurance company altogether should compensate for him 200 thousand. Have so - the dead difference of 100 thousand.
The difference between expectant probability and the probability that happen actually, dead poor rate is lower, insurance company gain is bigger. This is why the lever of accident danger is so big, accident probability has, but very low.
The insurance company that a lot of people tell groove this not compensate that not compensate, need a part to death namely actually. But actually insurance company does not care really to this, can the regular meeting compensate of compensate.
Spoken parts in an opera, compensate comes out the brand of insurance company and public praise, enough compensate pays case, everybody just is met accredit, choice this company, so insurance company just can have the insurance cost with constant in a steady stream to enter Zhang, go making money with benefit difference next.
But we can discover, normal circumstance issues mutual treasure, it is to close to give now now, ant gold takes itself not to assume compensate to pay money, also do not have insurance cost to be able to close.
Dead difference, benefit difference is done not have, then mutual treasure relies on what gain, earn that administration fee of 8% ?
The reason wheat professor of this backside does not become an explanation more, but the individual thinks, the commercial mission that mutual treasure place assumes, not be be sure or donate purely.
From the point of the healthy old system in whole A, mutual treasure backside is giant ant finance system and 45 million real user data, this ability is the asset with big data the most valuable times.
About mutual treasure and traditional and safe choice, wheat professor feels, to wanting to become free minister only, however the friend that oneself has insurance demand, choose " mutual treasure " perfecting is good, but must have most fundamental insurance.
After all who because give a car,also won't install bumper, young tiger arrived not to buy any car a place difficult of access.
