相互宝是区块链的应用吗,相互宝是区块链的应用场景吗

Is mutual insurance good?

Mutual insurance is good and has a history of more than 100 years in developed countries.

Mutual insurance mainly takes four forms: mutual insurance companies, insurance cooperatives, mutual insurance companies and mutual insurance companies. Among them, the most mature one is the mutual insurance company, a legal organization established by all insurance participants to cooperate to handle insurance for themselves.

(1) Huhubao is an application of blockchain. Extended reading:

In January 2015, the China Insurance Regulatory Commission issued the "Trial Measures for the Supervision of Mutual Insurance Organizations" 》, officially opened the door to mutual insurance organizations, and currently more than 20 institutions have applied for licenses.

Although it can take advantage of "Internet +", the development of mutual insurance still faces many shortcomings. The most prominent problem is that there is no way to raise equity in this model.

In the late 1990s, under the background of globalization, mutual insurance companies were unable to replenish funds quickly and were forced to convert back to joint-stock systems. At one time, their global market share dropped to 23%. Even in the Internet era, the market share of the world's major mutual insurance companies dropped significantly in 2014 compared with the previous year.

There are also some legal requirements specific to the establishment and operation of mutual insurance companies. In the latest "Insurance Law of the People's Republic of China" issued in 2009, "mutual insurance" or "mutual assistance insurance" is not mentioned, and in the latest amendment to the "Insurance Law of the People's Republic of China", mutual or mutual assistance insurance is still not within the scope of discussion middle.

Zhao Li, deputy director of the Beijing Insurance Research Institute, pointed out that with reference to the growth trajectory of mutual insurance in developed countries, it is also necessary to improve the mutual conversion policy between joint-stock and mutual insurance companies, as well as the corresponding market exit mechanism.

㈡ Here are 7 questions to help you understand thoroughly what ‘Mutual Treasure’ is.

Recently, an insurance business has been widely discussed for its "backing on Ant Financial", "application of blockchain technology", and "breaking through 20 million users in 4 days"... As "young people's first commercial insurance", what are its magic powers and problems? Here we summarize 7 issues that we are more concerned about to help everyone understand this service.

1. What is ‘mutual treasure’?

‘Mutual Treasure’, as the name suggests, means that everyone forms a mutual aid agreement organization. If a member of the organization gets a serious illness, everyone pools money together to help them overcome difficulties. The principle is similar to insurance.

Initiated by Ant Financial and Xinmei Life Insurance, they started ‘mutual insurance’. Because Xinmei Life was questioned by regulatory authorities for violating regulations, it was forced to withdraw, and Ant Financial operated alone.

In order to avoid regulatory risks, Ant Financial changed the name of "Huzhubao" to "Huzhubao" and defined it as a mutual aid organization rather than an insurance. More than 20 million people have now participated in the service.

2. How to charge, premium and amount of insurance?

The charging and claims settlement model of ‘Huang Hu Bao’ is quite special. You can join first to enjoy the protection, and the premium will be settled every month based on the total number of cases and the total amount of insurance accidents under mutual insurance. If you feel that the premium is too high or inappropriate, you can withdraw at any time, and the threshold is relatively low.

On the 7th and 21st of every month, 'Xianghubao' announces the number and amount of insurance claims in the first half of the month, and calculates a total claim amount. At the same time, Ant Financial charges an 8% management fee to form a lump sum. On the 14th and 28th of every month, everyone who participates in the 'Mutual Treasure' will share the total amount equally.

Ant Financial has also promised that the average amortization for a single case will not exceed 1 cent, and the premium paid for the whole year of 2019 will not exceed 188 yuan, and Yu'E Bao will bear the excess.

In terms of insurance coverage, the maximum claim amount is RMB 300,000 for those under 40 years old, and the maximum claim amount is RMB 100,000 for those aged 40 years and above.

It seems a bit convoluted. For example, the number of members in "Mutual Insurance" is 5 million, 100 accident cases are publicized, and the maximum compensation amount is 30 million, plus the 10% management fee stipulated in the agreement of 300 Ten thousand. Then 5 million people will share 33 million equally, and each person will be 6.6 yuan after deducting the premium for the current period. The compensation per person in a single case shall not exceed 10 cents, and the fee for 20 periods throughout the year shall not exceed 188 yuan.

3. Who is eligible for insurance? Can I insure my family members?

"Mutual Protection" is in the early stages of launch and is currently tentatively open to Ant members with a Sesame score of 650 or above and their minor children. In the future, as the "mutual guarantee" continues to operate and the product and service mechanism continues to mature, the conditions for joining will be gradually optimized.

4. What is the difference between it and traditional commercial insurance?

First of all, he has a good father and is backed by Ant Financial, which has 622 million users. The number of users exceeded 20 million within 41 days of launch; secondly, the threshold is low and the rates are low. Buy as you please, you can withdraw at any time, the annual rate is up to 188 yuan, online purchase and claim settlement; again, it is open and transparent, all claim settlement cases are publicized online and subject to supervision.

However, there is a system design problem. Commercial insurance inherently hopes that the fewer people who will be in danger, the better, and the lower the amount of compensation, the better, so that their profits will be better. However, Huzhubao’s profit comes from the management fee of 8% of the insurance premiums. Therefore, the more accidents there are and the higher the compensation amount, the more beneficial it is for Ant Financial. Will it encourage false reports of accidents and falsely high compensation?

5. Are there any legal risks?

To be clear, yes.

The previous partner with an insurance license: Xinmei Life Insurance Co., Ltd. has been forced to withdraw due to interviews with regulatory authorities. Can Ant Financial continue its business without an insurance license? Although Ant Financial defines it as a mutual aid organization, everyone knows the nature of this mutual aid organization.

But for ordinary insured persons, there are no legal risks or economic losses, and it is a service that can be enjoyed with the insurance.

I hope this service can be like Ant Financial’s experience. Although it is in a gray area, it is acquiesced by the regulatory authorities.

6. Who will review and supervise claims settlement matters?

In order to ensure the authenticity and accuracy of the case itself and the public information, Ant Financial has set up a relatively complete set of mechanisms and procedures: first, each member must declare their authenticity when submitting claim application materials; Secondly, the management team will carefully investigate and review all materials uploaded by members; thirdly, all claims cases will be publicized and subject to supervision. Cases with objections to the publicity will be publicized again after supplementary investigation. If the evidence is conclusive, Compensation will also be pursued in accordance with the law.

In addition to mechanism guarantees, mutual insurance will also introduce blockchain technology. All compensation-related evidence and fund use flows will go through the notary office, judicial appraisal center, electronic certificate center, It is witnessed by all nodes such as courts, and the entire link is credible. In addition to being non-tamperable, it also has legal effect.

7. Can it replace traditional insurance?

No.

First, the insurance amount is not high enough. The coverage amount for those under 39 years old is 300,000 yuan, and the coverage amount for 40 to 59 years old is 100,000 yuan. In reality, the medical costs for patients and families with serious illnesses are much higher than this amount.

Second, the guarantee period is not long enough. Mutual insurance will automatically withdraw after the age of 60, and the incidence of major diseases will continue to increase with age.

Therefore, ‘mutual insurance’ is more of an auxiliary to critical illness insurance, benefiting more groups who lack commercial health protection.

The above are the 7 issues that everyone is more concerned about about "Huang Bao". I hope it can help you understand this new insurance model better. Choose an insurance package that suits you.

㈢What are the applications of blockchain

1. Blockchain + product traceability
This year’s Tmall Double 11. Ant Blockchain used blockchain for the first time to trace the origin of 160 million commodities.
JD.com and 7FRESH use blockchain to ensure the quality of hydroponic vegetables.
Carrefour’s blockchain product Guanxi Honey Pomelo is launched.
2. Blockchain+Electronic Invoice
The Shenzhen Municipal Taxation Bureau of the State Administration of Taxation has opened up the WeChat payment platform and launched the "WeChat payment blockchain electronic invoice" function. In October this year, WeChat Pay electronic blockchain invoices were used on a trial basis at some merchants in Shenzhen. The official launch this time means that all merchants in Shenzhen who have opened WeChat Pay can log in to their own WeChat Pay merchant platform to directly activate the blockchain electronic invoice function.
3. Blockchain + Law
The judicial blockchain of the Internet Court is online, and the electronic evidence stored on the chain has legal effect. The Hangzhou court used blockchain to adopt key evidence, which was used by a technology company in Shenzhen on its website. The technology company then became the defendant.
4. Blockchain + Content

The first exemplary vertical content social DAPP based on the Ulord public chain. It is the world's first decentralized experience value based on the ulord public chain. The sharing platform allows users to receive corresponding rewards while creating, sharing, and disseminating experience value, stimulating value re-creation and forming a virtuous cycle of content ecology.
5. Blockchain + Insurance
Ant Financial announced the first mutual aid case of the online mutual aid program "Huang Bao". A 5-year-old girl from Shanghai received a serious illness mutual aid fund of 300,000 yuan. For all For participants, each person shared an average of 0.03 yuan. In addition to case details, in order to ensure information openness and transparency, the public notice also issued medical diagnosis certificates, discharge summaries, surgical records and other information, and stored the data on the blockchain.
6. Blockchain + Health
The health energy chain based on the Ulord public chain is currently in internal testing.
7. Blockchain + Intelligent Manufacturing
Blockchain + Intelligent Manufacturing Well-known domestic and foreign companies such as Alibaba, JD.com, and IBM have begun to get involved in the blockchain + intelligent manufacturing business. IBM cooperated with Blue Ocean Camel to build a blockchain + foreign trade supply chain intelligent platform, Alibaba Cloud launched its own enterprise-level blockchain service BaaS (Blockchain as a Service), JD.com’s blockchain service platform Zhizhen Chain, etc.

㈣ The application of blockchain to mutual insurance platforms is really safe

It is safe. Take the Tongxin Mutual Aid Platform as an example. Network mutual aid applications developed based on the blockchain platform can maximize It ensures the absolute security of funds, protocols, and information and improves risk control capabilities. This is reflected in the following points:
Transparent fund flow
All fund flow details are recorded on the blockchain, and the data cannot be forged. and tampering ensure the authenticity and validity of the data, which can be viewed and supervised by all regulatory agencies, public media, and ordinary users at any time.
Efficient execution of rules
All fund transfers are executed in accordance with public and non-tamperable smart contracts. Once determined, they can be executed accurately and without error. No one can intervene, embezzle or intervene artificially, which improves the rules. effectiveness.
User information security
All personal sensitiveInformation is stored in a highly encrypted manner and cannot be accessed or stolen by others unless authorized by the user.
The service will never go down
The network mutual aid running on the public chain does not depend on whether a certain central server is online, and it can ensure that the services provided will never go down.
In summary, blockchain technology can be fully applied to network mutual aid to maximize the security of users’ sensitive information while improving the transparency of network mutual aid and enhancing trust between mutual aid providers and the company. trust, trust of mutual aid providers and third-party organizations.

㈤ Does Alipay’s mutual insurance have any actual effect? ​​

Alipay’s mutual insurance has greatly alleviated the difficulty and expensive situation of users’ medical treatment. Alipay’s mutual insurance is a major disease mutual aid After participating in the plan, you can get corresponding protection. The coverage includes malignant tumors and 99 major diseases, such as acute myocardial infarction, severe stroke sequelae, end-stage renal disease, benign brain tumors, deafness in both ears, blindness in both eyes, etc.

If users meet the conditions for applying for insurance funds through Alipay Mutual Insurance, and through public announcement, users can obtain a maximum protection limit of 300,000. If they are 40 to 59 years old, the protection limit is 100,000.

(5) Xianghubao is an application of blockchain. Extended reading:

Advantages

As a risk sharing tool, Xiang Hu Bao is worth joining.

1. Cheap. The members of Huxiangbao are young, mainly born in the 80s and 90s, and the incidence rate is lower than the social average. As of the first issue in September 2019, Xiang Hu Bao has rescued a total of 2,839 people, with the incidence rate of serious illness being only 0.003%. The latest data shows that the per capita share is 3.06 yuan. It is estimated that the per capita share in 2019 will be about 30 yuan. However, the price of a cup of milk tea is very friendly to people who cannot afford so much money to buy insurance at the moment.

2. The threshold is low and you can exit at any time. In compliance with health notification requirements, Sesame Credit can be joined for free if you reach a certain score. If you feel it is not suitable later or if there are better risk protection tools, you can exit at any time without any psychological burden or decision-making cost.

3. Compensation will be made upon diagnosis and does not conflict with commercial insurance. Huhubao is based on the mutual aid spirit of "helping others and protecting yourself". When members are diagnosed with a disease within the scope of insurance for the first time, they can apply for a one-time benefit, which is a bit like critical illness insurance. It does not conflict with the nature of social security and commercial insurance and can be used in combination.

The cost of Xiang Xiang Bao is a few yuan a month, and the cost is very low. If you really get sick, you can get 50,000 mutual aid subsidies for mild and severe cases, and 100,000 to 300,000 for severe cases. It is equivalent to leveraging a large sum of money at a very small cost. For people waiting to see a doctor, this money is a timely help.

㈥ Alipay launches mutual insurance blockchain technology to test the insurance industry

Recently, Alipay launched “Mutual Insurance”. This insurance product is mainly aimed at Ant members. It is understood that as long as the user sesame points It can be used after reaching a score of 650 or above. In terms of specific use, users need toTake a photo and upload the relevant certificates. Mutual Guarantee will publicize the certificates on the premise of protecting user privacy. If there is no objection to the publicity, you can get the guarantee fund.

This insurance is jointly launched by Alipay’s Ant Insurance and Xinmei Life Mutual Insurance Co., Ltd. Xinmei Life Mutual Insurance Co., Ltd. is the first company in China to have a mutual insurance license. The company is supervised by the China Insurance Regulatory Commission.

Compared with traditional insurance, the biggest feature of mutual insurance is the introduction of blockchain technology, which ensures the fairness and safety of the product. It is understood that the entire insurance compensation process is conducted through blockchain technology under the witness of judicial appraisal centers, electronic certificate centers, courts and other relevant institutions, ensuring that the information cannot be tampered with. The introduction of blockchain makes the operation of mutual insurance more professional. ization and legalization. In addition to using advanced technology, Mutual Insurance also retains the risk control measures of traditional insurance business, such as setting waiting periods and manually reviewing the authenticity of user information.

In addition, mutual insurance compensation is mainly for major diseases, such as malignant tumors, cancer, leukemia, etc. Data shows that the proportion of people insured by health insurance in my country is currently low, and many people do not pay enough attention to health insurance. The threshold for participation in mutual insurance is low, and users can participate directly through their mobile phones. At the same time, relying on Alipay's large user group, health insurance can be promoted The importance of insurance and improve users’ awareness of insurance participation.

Mutual insurance does not involve shareholders and improves the service system through Internet technology, which is of great significance to protect the health rights and interests of users and promote the development of a healthy society.

㈦ What is Xiang Xiang Bao in Alipay?

Xiang Xiang Bao is a serious illness mutual aid program launched on the Alipay App on October 16, 2018. It is the world’s largest mutual aid community. . According to the concept of "when one person is sick, everyone shares the burden", after joining, qualified members who encounter major diseases (99 major diseases + malignant tumors + specific rare diseases) can apply for a mutual aid fund of 300,000 yuan or 100,000 yuan. The cost The risk of serious illness is shared by all members.
Members participating in the mutual aid plan, if they want to apply for mutual aid funds, need to submit relevant information (including identity documents, disease diagnosis certificates, etc.). After investigation and review by the platform, the case will be publicized. After approval, all members of the mutual aid plan will share the mutual aid funds. .
[Extended Information]
Alipay (China) Network Technology Co., Ltd. was established in 2004. It is a domestic third-party payment platform dedicated to providing "simple, safe, fast and convenient" payment solutions for enterprises and individuals. plan. Since its establishment in 2004, Alipay has always regarded "trust" as the core of its products and services. It has two independent brands, "Alipay" and "Alipay Wallet". Since the second quarter of 2014, it has become the world's largest mobile payment manufacturer.
Alipay has established strategic partnerships with more than 180 banks at home and abroad, as well as international organizations such as VISA and MasterCard, becoming the most trusted partner for financial institutions in the field of electronic payment.as partners.
In February 2020, the Nepalese central bank issued a license to Alipay. In July, Alipay was selected into the list of outstanding blockchain solutions to combat the epidemic. In October, Alipay launched the “late payment” function.
In 2014, Alipay had more than 300 million real-name users, more than 270 million active Alipay wallet users, and more than 45 million single-day mobile payments, surpassing the global peak record of 45.18 million single-day mobile payments set on November 11, 2013.
On Double Eleven in 2014, the number of Alipay mobile payment transactions reached 197 million. Alipay's steady style, advanced technology, keen market foresight and great sense of social responsibility have won wide recognition from banks and other partners. At present, Alipay has established in-depth strategic cooperative relationships with more than 180 banks at home and abroad, as well as international organizations such as VISA and MasterCard, becoming the most trusted partner of financial institutions in the field of electronic payment.
Alipay and Alibaba Group prefer institutional arrangements for large-scale employee shareholding. In the process of establishing a small and micro financial services group, 40% of the shares are used as sharing and incentives for all employees, and the remaining 60% of the shares are used to introduce other strategic investors. Current employees of Alibaba Group and Small and Micro Financial Services Group have received corresponding shares, achieving "full shareholding".