Text / Li Xinzhen
The last Internet mutual aid platform is coming soon.
On December 28th, the Bao Release Announcement: In order to protect all member rights and interests, after cautious thinking and discussion, it will stop running on January 28, 2022. Mutual Bao announcement said it will fully have a follow-up guarantee, and it is recommended that members independently choose the appropriate guarantee product as a new security program.
It is worth paying attention to a large network mutual aid platform in the industry, and the cost pressure at the time of Treasure will also be large. There are industry insiders to estimate that the exit costs to be undertaken by Mutual Baodai are expected to exceed 3 billion yuan.
On the same day, three launch initiatives will be 3 billion.
From the latest information on the latest publicity, the members of each other are currently nearly 75 million, accumulated 71 mutual assistance, rescue more than 179 million patient members.
According to the announcement, the shutdown scheme of each other mainly includes three parts:
First of all, the three-phase mutual help of officially shut down on the date of the announcement, and members no longer participate in the sharing, all by the Mutual Bao Platform. According to the second phase of the second issue of December, it is estimated that this part of the treasure is expected to bear 1.6 billion yuan.
Secondly, after the Bao Bao stops running, the patients who meet the rules of mutual assistance can still apply for mutual help: the first diagnosis time of the hospital is 24 o'clock in the mutual assistance program before 24:00 on January 28, 2022, can The application was initiated within 180 days from the date of the first diagnosis of the hospital. The Treasure Platform will be reviewed according to the existing mutual assistance rules, and all the mutual benefits adopted by the Mutual Baibai shall be borne by the Mutual Bao Platform, and there is no need to share. This is the longest time window in the industry. According to the new reported amount of a month, the rough estimated platform needs to pay a mutual help of 1 billion yuan.
In addition, the Treasure of Treasures 75 million members independently choose new security programs, avoiding some members to ensure interruptions due to shutdown. From the product page, the new security scheme that can be independently selected does not need to recalculate the waiting period, and there are three months free. According to only 10 million people to choose a new security plan, the free period of free travel to bear is around 400 million yuan.
From this estimation, the treasures of the treasures are closed, the cost of platform is expected to be around 3 billion yuan.
According to the relevant parties of the China Academy of Insurance and Economic Development, it is said that for the mutual assistance plan of Mutual Bao, while doing a good job of work, it is recommended that the user's health guarantee continues. It is recommended that users choose the new security program. It is responsible and is also a steady way.
Network mutual aid curtain curtains & nbsp; have phased exploration significance
From the first online mutual assistance platform in China in China, online mutual aids have been in this year.
Review these 10 years, network mutual assistance has not become a mainstream guarantee model, but tries to touch the stone. The mutual aid platform before 2016 also has illegal precipitated funds, and chaos in the insurance business. In December of the same year, the China Insurance Regulatory Commission launched a special rectification of online mutual assistance, and network mutual assist has ended the state of brutality.
The public information shows that the treasure is on the end of 2018, and in the industry, the "first guaranteed post-sharing" model in the industry has entered the industry. On the year, the participants of each other exceeded 100 million.
After 2018, the rapid development of online mutual assistance has also been related to the growth of the people's security, but the awareness of protection is relatively related.
For example, in a period of time, this kind of online mutual help of one or two hundred yuan in this year, just satisfied the demand for the public and the low threshold. Mutual treasure public data showed that 3 of 100 million members from rural and county, with 6 cities from three lines and below.
However, in the past year, by factors such as industry environmental changes, the operation of online mutual assistance plans such as Mutual Bao has experienced oscillating. Mutual help is not insurance, there is no clear regulatory authorities and industry regulations, and many consumers have worry about online mutual assistance.
After entering 2021, a number of online mutual aid platforms closed, and it is not difficult to expect each other.
Zhu Ming, director of the Health Economic and Medical Security Research Center, University of Nankai University, believes that online mutual assistance has experimentation in China, and plays a certain, staged active supplement. Network mutual assistance has certain restrictions in stability, sustainability, and member transfer insurance is indeed safe and responsible for "resettlement" program.