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让互联网保险圈颤抖的产品来了
2019-01-12

支付宝放大招!让互联网保险圈颤抖的产品来了

来源:中国基金报

  有一款这样针对100种大病的保险,40岁以下的年轻人每年只要几百元就可以享受30万元的保障;而同样30万元的保障,商业重疾险每年需要交数千元甚至上万元的保费。昨晚,又一爆款互联网保险刷爆社交媒体,蚂蚁保险、信美相互联手面向蚂蚁会员推出“相互保”,实现大病保障低门槛、高透明、还能互助共济。

  相互保险投入少回报高

  不想买传统商业重疾险的话,价高、不了解、不信任,还有一种选择,就是参加相互保险。

  什么是相互保险呢?2015年原保监会发布的《相互保险组织监管试行办法》对其作出的定义是:相互保险是指具有同质风险保障需求的单位或个人,通过订立合同成为会员,并缴纳保费形成互助基金,由该基金对合同约定的事故发生所造成的损失承担赔偿责任,或者当被保险人死亡、伤残、疾病或者达到合同约定的年龄、期限等条件时承担给付保险金责任的保险活动。

  简而言之,相互保险是一群人在平等自愿基础上,以互相帮助为目的而成立的资金池,当成员发生风险时,可以兑付一定的资金缓解燃眉之急。

 相互保险与传统商业保险较大的不同之处是,没有外部股东,由全体投保人共同所有,不存在投保人与保险人之间的利益冲突,能够较好地实现以客户利益为中心,并由客户参与管理,从而有效避免保险人不当经营和被保险人欺诈所导致的道德风险。相互保险在发达国家有100多年的历史,是当前世界保险市场上的主流组织形式之一。而中国直到2017年才有首批相互保险公司开业,分别是众惠相互、汇友建工和信美相互.

 然而开业一年多以来,相互保险并不是广为老百姓熟知。此次,支付宝上线“相互保”,或将会继余额宝普及货基理财后,再一次将相互保险的理念植入老百姓心中。截至10月16日晚8点15分基金君发稿时,已有近50万人参加相互保。

 60岁以下芝麻分650分及以上的蚂蚁会员无需交费,就能加入“相互保”,获得包括恶性肿瘤在内的100种大病保障,在他人患病产生赔付时才参与费用分摊,自身患病则可一次性领取保障金。

 “相互保”采用风险共担的机制,这种“人人为我,我为人人”的模式,此前也出现在一些互联网互助产品中,但两者却有着本质不同。“相互保”是经过向银保监会备案通过的保险产品,产品提供方信美相互拥有国内首家相互制寿险牌照,接受银保监会的指导和监管,能够长期稳健运营“。据了解,此前产品在预约阶段,就吸引了超过1000万人参与,尤其是年轻群体对”互助共济接受度颇高。

 *高获30万元保障进出自由

 对于40岁以下的年轻人而言,“相互保”是一款杠杆率极高的新型保险,现在0元加入即免费撬动30万元的杠杆。据“相互保”产品资料显示,初次确诊年龄在39周岁及以下享30万保障金,40到59周岁享10万保障金,保障范围均为包含癌症在内的100种大病。

 

 作为一项保险服务,大众普遍关心其付费机制。对此,“相互保”相关负责人方勇介绍,与一般保险产品根据疾病发生率定价、需先行支付固定保费不同,“相互保”服务根据实际发生赔付案例的情况进行费用分摊。

 根据规则,每月两次公示、两次分摊。在公示日,期间发生的确诊赔案均会在适度隐藏敏感信息的前提下,给予公示并接受异议申诉。公示无异议的所有赔案产生的保障金,加上规定的10%管理费,会在分摊日由所有用户均摊。钱花在哪里,每个参与者需要分摊多少钱,完全公开透明。

 方勇表示,均摊实际金额视每期公示的实际情况而定。但单一出险案例中,每个用户被分摊到的金额不会超过1毛钱。假设同时有500万人参加“相互保”,按照*高30万赔付额计算,同时有100人要赔付,加上10%的管理费,每人在分摊日只要分摊6.6元,假使每次都分摊6.6元,一年下来只要分摊158.4元。基金君买了一款30万保额的商业重疾险,每年要缴7000多元保费,

 至于患病可以拿到多少钱,则要看用户初次确诊重疾时的年龄:不满四十岁,赔付金额为30万,超过四十岁,则为10万。确诊患病,只需手机拍照上传相关凭证,公示无异议后就能一次性拿到保障金。下图是理赔流程:

  如果不愿意继续分摊,用户在完成公示分摊后,选择随时退出。退出分摊后不返还已分摊的费用,假设一年分摊了158.4元后退出,相当于献爱心帮助了需要的人。而基金君买的重疾险缴费一年后想退保的话,只能退回约1000元的现金。对于年轻人而言,这是一款性价比极高的保险。

  此外,“相互保”还可以为家人加入,目前仅为未满18岁且身体健状况符合相互保健康告知的要求,子女的每期分摊金额将从家长的支付宝帐户自动扣取。

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