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Ⅰ What are the blockchain mutual aid insurance platforms?

There are many domestic online mutual aid platforms, but there are currently several blockchain mutual aid insurance platforms (online mutual aid platforms): Tongxin Huzhu (has matured and applied blockchain), Shuidi Huzhu (still in the process of blockchain arrangement), and Zhongtuobang (an outsourcing blockchain company). These three should be said to be relatively large online mutual aid platforms. Others I don’t know much about it yet.

II What is the claims process of the blockchain smart medical sharing platform?

Domestic medical mutual aid and insurance practitioners have already implemented blockchain, and the medical mutual aid platform has been entrusted Help develop the public welfare product "Heart Chain" based on the blockchain. Users' donation amount, fund flow and other information are open and transparent. At the same time, the blockchain is used to realize automatic underwriting and intelligent claims settlement; Zebra Society and Bubi Blockchain cooperate, from a technical perspective to eliminate the possibility of cheating by system organizers; Tongxin Huzhu is based on the Bitcoin blockchain to increase credit for the product.

How to realize automatic underwriting and intelligent claims settlement?

Some medical mutual aid practitioners are using blockchain technology to solve two thorny industry problems: one is to ensure the authenticity of claims information, and the other is to improve the efficiency of insurance claims.

Medical mutual aid uses a lower threshold to solve the problem of serious medical expenses. The specific method is: economic mutual assistance and risk sharing among participants. For example, users pay to become members of the medical mutual aid platform. After the observation period, , if users fall ill, they can receive subsidies for medical expenses based on the specific condition. After case disclosure, third-party agency investigation and other steps, the subsidy amount can reach a maximum of 300,000. After calculation, on the mutual aid platform, the annual cost for an average user is 60-90 yuan.

In foreign countries, mutual aid insurance has appeared very early. Some people with common requirements and facing the same risks organize voluntarily and pay in advance risk loss compensation sharing, usually for major diseases. This kind of mutual insurance can be customized according to the needs of the group. The cost is much lower than the critical illness insurance of several well-known insurance companies, and it is easy to purchase.

The difference between medical mutual aid and insurance is that every member is fully involved, and everyone cares about every move of everyone in the mutual aid group, including who is sick, who needs compensation, and when the money will arrive. Accounting and other issues require the platform to have sufficient self-certification.

Medical mutual aid platforms need to settle claims in accordance with the rules. Whether the user’s diagnosis time is within the observation period can be self-certified using blockchain technology.

Traditional insurance claims involve human factors. For example, in the underwriting process, humans ultimately do the investigation, judgment, and reporting. At the same time, insurance claims take time, and it is often difficult for users to obtain insurance money as soon as possible. In the field of mutual aid, blockchain technology can ensure the accuracy of information. Once the user's information is stored in the blockchain system, no one can modify the information.

“We have been doing medical mutual aid for several years, has accumulated more than 8 million users, there are more and more participants in mutual assistance, and the amounts involved are getting larger and larger. We have implemented blockchain applications, and gradually discovered that blockchain has greater value and can realize an automatic In the machine medical mutual aid guarantee system, everything from applying for mutual aid to obtaining mutual aid can be realized through artificial intelligence, and the entire process can be compressed to instant compensation. This is the development direction of financial AI. " Yu Jianan, CTO of Zhongtuobang, told Wall Street Insights.

The self-certification function of the blockchain can be traced back to a few years ago. In foreign countries, some geeks appended to every Bitcoin transaction Some information.

“At the end of this transaction, you can attach the hash value of a picture and a record after performing algorithmic operations on the picture. If you modify the picture, this record will change. We can use this method to complete self-certification. On the platform, each mutual aid voucher contains the user’s own identity information, as well as the time of joining the plan, and other key elements

Question 1: What are the reliable online mutual aid platforms? Blockchain + network cooperation’s Tongxin Mutual Assistance, Meituan’s Shuidi Mutual Assistance, listed companies’ e-mutual assistance, Quark Alliance’s Baobaoji, Alibaba’s 17 Mutual Assistance, etc.

Question 2: What is network mutual assistance? platform? Online mutual aid is actually a domestic variant of foreign mutual aid insurance (or mutual insurance). It inherits some characteristics of the mutual insurance model, such as organizational form and management methods, and also makes some changes based on the characteristics of China’s insurance market and the current regulatory environment. So to answer this question, we have to look at it from two aspects. The first is mutual aid insurance, and the second is online mutual aid.
Mutual insurance is a voluntary organization of a group of people who have common requirements and face the same risks, define risk compensation rules, and pre-pay risk compensation sharing funds, thereby protecting the risk losses of each participant. This is the earliest form of modern insurance. It originated in Europe in the 17th century. Workers who faced huge labor risks but could not receive compensation spontaneously organized themselves to form mutual aid societies, which gradually evolved into the form of mutual insurance companies.
Compared with the joint-stock commercial insurance companies that we come into contact with daily, such as Ping An Insurance, China Life, and Anbang Insurance, mutual insurance has two significant characteristics:
The first is that the policyholders are shareholders, and they have The company has ownership, management and supervision rights, all premiums paid must be used for risk protection, and the income generated from premium funds should also belong to all policyholders.
The second is homogeneous risk protection for the same group of people. Because they have something in common, policyholders identify more with each other, are more loyal to mutual insurance organizations or companies, and are willing to participate in the long term. On the other hand, for commercial insurance, risks that are unprofitable or difficult to predict, such as high-risk groups (such as building cleaners, commonly known as Spider-Man), or unstable risks (such as sudden emergencies)natural disaster). In the mutual insurance model, as long as all members agree and set the rules, it can operate.
Therefore, mutual insurance is not only a reliable protection model, but also a useful supplement to joint-stock commercial insurance (and social security system), covering some special protection needs. This also explains why, after more than 400 years of changes, mutual insurance still accounts for 27% of the global insurance market and covers nearly 1 billion users. The best among them, like Japan's largest life insurance company "Nihon Life Mutual Insurance Co., Ltd.", has long been ranked first among Japanese life insurance companies, and its capital scale is three times that of Japan's largest commercial life insurance company "Mitsui Life Insurance Company". He is also in charge of Japan's pension payment. This shows the importance of mutual insurance in the insurance market of developed countries.
Online mutual aid is a variant of mutual insurance under China's special national conditions and the current special regulatory environment. It is a phased product. Although the China Insurance Regulatory Commission issued the "Trial Measures for the Supervision of Mutual Insurance Organizations" last year, various regulations are basically based on foreign mutual insurance models. But the license has not been issued yet. Some pioneers in China were worried about missing out on opportunities, so after improvements, they began to explore in the name of network mutual aid. In addition to not having a license or registering an insurance company, their model has the following characteristics:
First: it is aimed at the public, not the same group of people. This expands the user base and is conducive to quickly accumulating users, but it loses the characteristics of similar groups;
Second: no pre-charge, or small pre-charge, rather than annual payment according to the actuarial model. This lowers the threshold for customer acquisition, but the subsequent payment willingness and retention rate of attracted users will be reduced;
Third: The protection targets are mainly major diseases and accidental injuries, which are relatively standardized and have It is beneficial to mutual aid platforms for risk control. However, the flexible protection features of mutual insurance have not yet been fully utilized.
Tongxinshe is the first domestic application project of blockchain technology and an open mutual aid information service platform. It was co-founded by Yang Yongzhi, founder of Dolphin Browser, and partner Yu Zhou, and is owned by Beijing Abbots Technology Co., Ltd. The company is initiated and operated and is headquartered in Beijing, the capital of China.

Question 3: What are the well-known online mutual aid platforms? First: Do you want B2B?
Second: Which aspect of classification
I hope I can help you

Question 4: Is the online mutual aid platform real or fake? It’s true, online mutual aid is actually a domestic variant of foreign mutual aid insurance (or mutual insurance). It inherits some characteristics of the mutual insurance model, such as organizational form and management methods, and also makes some changes based on the characteristics of China’s insurance market and the current regulatory environment.
Although the China Insurance Regulatory Commission issued the "Trial Implementation of the Supervision of Mutual Insurance Organizations" last year,"Measures", various regulations are basically based on foreign mutual insurance models. But the license has not been issued yet. Some pioneers in China were worried about missing out on opportunities, so after improvements, they began to explore in the name of network mutual aid.
At present, Tongxinshe, an online mutual aid platform based on blockchain technology, has emerged in China. It applies the latest technology to solve the shortcomings of non-public and opaque online mutual aid platforms.

Question 5: What are the names of Internet mutual aid platforms? Which one are you talking about? There are many platforms on the Internet.

Question 6: What are the Internet mutual aid platforms? Are you talking about social security? I think Bike Mutual Aid is good. You can get 300,000 yuan in social security for 9 yuan. Let you have no worries.

Question 7: Which online mutual aid platforms are more reliable? 50 points The current top ten online mutual aid companies include: Shuidi Mutual Aid, 17 Mutual Aid, Tongxin Mutual Aid, Quark Alliance (once named by China Insurance Regulatory Commission), Gecko Mutual Aid, Anti-Cancer Commune, eMutual Aid, Zebra Club, National Bodyguard, Zhongtuobang, etc. .

Question 8: There are many online mutual aid platforms now. Which one is better? Give you some suggestions

Question 9: What are the online disease mutual aid platforms? Tongxin Mutual Aid is the first online mutual aid platform in China that uses blockchain technology. With the help of blockchain technology, it realizes decentralized information sharing, innovatively realizes comprehensive and transparent operations, and builds a fair, just, open, safe and efficient platform for the public. An open mutual aid information service platform.

Question 10: What are the advantages of Tongxinhuzhu, an online mutual aid platform? The advantage of Tongxin Mutual Aid Network Mutual Aid Platform is that it is the first online mutual aid platform in China that uses blockchain technology as its core. Let me introduce to you the advantages and disadvantages of online mutual aid platforms and what benefits can be brought by applying blockchain technology.
Advantages and disadvantages of online mutual aid platform:
Advantages of online mutual aid
Online mutual aid relies on the efficient information matching capabilities of the Internet, convenient payment services, and low joining thresholds, so online mutual aid has the ability to The ability to gather a large number of members in a short period of time
・ Low cost
At least 50%~80% cheaper than traditional protection solutions
・ High participation rate
The value provided by online mutual aid is easy Accepted by users
・ Guaranteed flexibility
Products are flexible and diverse, and mutual aid products can be launched for various groups
Disadvantages of online mutual aid
・ Opaque operation
There may be platform fictitiousness Problems such as defrauding user funds in mutual aid incidents
・ User privacy
Online mutual aid platforms are generally supported by technology companies and lack supervision and public trust, so they are easily questioned
・ Inefficiency
Slow compensation process
Blockchain Application:
The emergence of blockchain technology provides solutions to these problems. Network mutual aid applications developed based on the blockchain platform can maximize the absolute security of funds, protocols, and information, and improve risk control capabilities.
・Transparent fund flow
All fund flow details are recorded on the blockchain. The data cannot be forged or tampered to ensure the authenticity and validity of the data. All regulatory units, public media, and ordinary users can view and view it at any time. Supervision
・Efficient rule execution
All fund transfers are executed in accordance with public and non-tamperable smart contracts. Once determined, they can be executed accurately and no one can intervene or artificially misappropriate or intervene. Improvement Improves the efficiency of rule execution
・ User information security
All personal sensitive information is highly encrypted and stored. Unless authorized by the user, others cannot access or steal it
・ The service will never be down
Network mutual assistance running on the public chain does not depend on whether a central server is online, and can ensure that the services provided will never go down

IV Is there a risk of bankruptcy of the Zhongtuobang platform?

The collapse of many online mutual aid platforms in the past year has made many people afraid of the collapse of Zhongtuobang. However, it seems that Zhongtuobang is doing well at present. The mutual aid funds on the platform have been maintained very well, and there has been no abuse. , members do not always need to pay mutual aid funds. The online mutual aid platform built with blockchain technology ensures good openness and allows Zhongtuobang platform members to see where the mutual aid funds are going. So now it seems that Zhongtuobang is doing well and there is no risk of bankruptcy. , there is also a lot of relevant information on the Internet.

IV Which domestic blockchain company is the best

First of all, I will introduce the relatively well-known domestic blockchain companies, and then I will personally evaluate which one is better, specifically. You can judge for yourself.

1. Bubi Blockchain Company, this company provides blockchain underlying technical services and industry solutions. That is to say, an underlying blockchain is built and an adaptation layer is built on top, so that enterprises can quickly establish commercial applications. The underlying blockchain is developed by ourselves, the consensus mechanism is pbft, tps is 5,000 transactions per second, UnionPay transactions per second is 2,000, and Bitcoin transactions per second are 7. Of course, the underlying architecture is different. The performance is different. Because Bubi is a commercial blockchain, it pays more attention to performance. Currently Bubi is mainly used in digital assets, supply chain finance, supply chain traceability, publicity and notarization, etc.field.

2. Bu Meng Blockchain. Theoretically speaking, Bumeng should be said to be Bubi's product line, but Bubi is mainly engaged in private chain, and Bumeng is engaged in alliance chain, so separately speaking, Bumeng is Bubi's layout in digital assets. The underlying technology is Bubi blockchain, but the blockchain is encapsulated according to the scenario and provides API interfaces for enterprises. Enterprises issue their own assets on it and carry out the free circulation of assets according to the characteristics of the blockchain. Currently, Sunshine Some companies such as Insurance, Qianxiang Finance, Zhongtuobang, Haohuoah, etc. have connected. The assets include insurance policies, points, financial products and the like. In the end, it is estimated that this platform will break down the barriers between assets, and finally users can freely use and transfer these assets. This is an interesting way of playing in the blockchain industry, because it has the openness of the public chain and the security of the private chain.

3. VeChain. VeChain is a commodity ID management cloud platform based on blockchain technology. It provides enterprise-level users with commodity asset management, tracking and traceability, anti-counterfeiting verification, and new technologies in the form of BaaS. Supply chain management, etc. To simply understand, VeChain has done the “supply chain traceability” aspect of the Bubi blockchain.

4. Tongxin Huzhu, Tongxin Huzhu is a mutual aid and guarantee platform that puts some relevant information about mutual aid insurance into the blockchain. Users can apply to become nodes, participate in bookkeeping, and maintain their own data.

5. Xiaoyi, Xiaoyi is based on blockchain technology, digitizing the assets and rights of the physical world, and decentralizing financial services such as registration and issuance, transfer transactions, clearing and delivery through a peer-to-peer network. network protocols.

These are probably the five well-known blockchain companies in China, and I personally recommend Bumeng.

First, Bumeng uses the underlying technology of Bubi blockchain, which is relatively promising in the industry and has the most practical applications in China. Enterprises can access it at low cost (just call the interface, it seems) It is also free) using blockchain technology, and you can also use the resources inside. Think about being on the same chain with many companies. In the future, resource docking will not make it easy for users to convert.

Secondly, VeChain and Tongxin Huzhu focus on a certain field and do not provide underlying technologies and industry solutions. In other words, if you are in this industry or can use it upstream and downstream of this industry, It cannot be used in other fields. Taking the field of mutual aid and security as an example, both Zhongtuobang and Zebra Society chose Bumeng. Of course, you can consider it if it is an investment.

Third, Xiaoyi, why don’t you recommend Xiaoyi? Because Xiaoyi is an open source project and everyone knows the domestic business environment. Especially when the industry has just begun to develop, the domestic market is different from that abroad. Ant has gone through two rounds of ICOs, which will be a huge worry in future operations. Moreover, Ant has not yet implemented practical applications. It has built a platform that is not used by companies yet (guess it may be related to open source factors). , who dares to fully open their data?) Of course,Xiaoyi's open attitude is worth encouraging. Although I guess the advantages and disadvantages of the code are clearly understood by peers, it is not unclear.

Fourth, why is Bubi not recommended? Bubi also raised 30 million some time ago, because Bubi is more open and has more resources. Of course, if the business has high privacy requirements, it can also be done. Choose Bubi Blockchain.

Finally, for the sake of my hard work in answering so many questions, choose me!

VI How Deloitte and Zhongan Insurance do blockchain

At present, there are several domestic blockchain network mutual aid guarantees, among which Tongxin Mutual Aid Blockchain is in the network mutual aid In the industry, it is the first technology to be applied. It has a complete blockchain customer service. The company is also a blockchain startup Abbots. It is a technology company itself and its founder also has successful entrepreneurial cases. Yang Yongzhi (Dolphin Browser) CEO); the other two are Zhongtuobang and Shuidi Huzhu. Zhongtuobang does not have blockchain technology itself, but hired a blockchain team to help with the blockchain (both in terms of blockchain design and layout, it is similar to plagiarism) Tongxin Huzhu Blockchain); Shuidi Huzhu, founded by former Meituan employee No. 50, established a blockchain research room to recruit blockchain technology talents, and is also a mutual aid platform for blockchain technology.